When Mr. Obama is out of office, he'll probably start a business or law firm with his old Harvard buddies and become Barack Obama, C.E.O. And with an array of brilliant minds on the payroll (including himself and, presumably, his wife Michelle), he'll definitely need a hefty amount of business insurance coverage to protect his precious assets.

He'll need a commercial auto insurance policy to insure all the Bentleys and Porsches that most Harvard alums cruise around town while on business. Who knows, maybe the company car will be a convertible Ferrari?

Being the former leader of the free world, Mr. Obama will also need to find a business insurance policy that includes kidnap ransom insurance.

The rich and wealthy are--well--rich and wealthy, and money-hungry crooks earn buckets of money by kidnapping them and holding them for ransom (think Somali pirates, except without the ships). That's where kidnap and ransom insurance comes in. Kidnap and ransom insurance can help business owners recover their losses stemming from a kidnapping, and is usually available as part of a standard business insurance policy.

Most kidnap and ransom insurance policies cover kidnapping-related expenses such as hostage negotiation costs, ransom fees, and lost wages.

So if radical terrorists storm Mr. Obama's business office and take him hostage (and James Bond isn't around to save him), a kidnap and ransom insurance policy will certainly come in handy.