Your BBQ could be covered if it was cancelled because: It got rained out. Friends bailed. Rescheduled due to another lockdown. Budweisers weren’t cold. It wasn’t sunny. Bad wifi. It was too sunny. Ran out of propane. Not enough Budweiser. There was too much cheese. Your home team lost. The hot sauce was mild at best. Acts of god. The buns weren’t toasted. It was a bit windy! Not enough gluten-free options. Too many gluten-free options. Not enough Keto-friendly foods. Too many Keto guests. Rescheduled due to lockdown. Too many mosquitoes. Grill fell into the pool. The weather was just kinda bleh. Friends showing up really late. Friends showing up really early. A little rain made everyone a little wet. Bought charcoal but you have a propane grill. Broken grilling tools. The only condiment was mustard. Budweisers put in freezer to cool faster, but then left in too long and ended up freezing. Your home team lost the game so everyone was in a bad mood. White onions instead of red onions for a burger topping. Who eats white onions raw? There weren’t enough vegan options. There were only vegan options. The wifi in the backyard was spotty so the music kept cutting in and out. The only thing to eat was hot dogs. There was no cheese. The only cheese available was a havarti - everyone knows Havarti is a sandwich cheese and not a burger cheese. You had to work overtime on a weekend and missed a BBQ. But then it turned out you really didn’t need to work because the deadline got pushed. Increasing global climate instability caused it to hail in the summertime and you had to cancel. One friend at your BBQ refused to give up control of the music and only played whale sounds. Your dog Frank ended up knocking over a whole plate of franks. All anyone talked about was NFTs and you were over it. You thought you could convert your propane grill to natural gas  but didn’t realize how much work it required and had to postpone. Someone brought potato salad with cinnamon in it. You forgot to wear sunglasses and had to squint the whole time. No one else at the BBQ watches reality TV and it was hard to make small talk. The person who was connected to the bluetooth speaker kept going inside so the music was cutting in and out. Someone invited Paul. Paul invited your ex. Your ex brought their new partner. Their new partner is your boss. Things just got super weird. The grill you found on the side of the road doesn’t actually work. The vibes just weren’t chill

YOU KNOW WHAT’S BETTER THAN GETTING BBQ INSURANCE COVERAGE? NOT NEEDING IT AT ALL.