Sorry ImperialPCs, but you forgot what the religious wackos also worry about, so there will be at least 18 if you count a plague of locusts. Sorry, I don't know all of the other ones they fear, to add to the list. But it's NOT 17. It is 18+. Nyah, nyah, nyah.
BTW, how much is that insurance you are selling? Send me coverage and quote. :-)