Moral of the story - make sure you watch your kids while they take a bath or they'll drown. Don't let them sit too close to the tv or they'll be crushed. Hawk over your children and never, EVER let them out of your sight; they're never safe. Ever.
No, the moral of the story is: Take care of your kids AFTER you buy some insurance, so that we don't have to pay out anything and we still get to keep your premium money.