In 2007, USA today reported several horror stories of individual health policy revocations. These stories highlight the root conflict of interest in private health insurance. In case you might wonder why other forms of insurance don’t have these problems, they do. Business liability insurance has its own horror stories. I know of several smaller contractors, newly in business, who simply could not get liability insurance from the more reputable insurance companies for their line of work in construction. The public hears little of these stories. They are told on job sites and in trade journals.