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If you have a taste for adventure — which is probably a safe bet here — then you probably also think about taking safety precautions before heading out. And while you can buy all the best gear available and can be a seasoned expert, you still need peace of mind. Whether you are hitting the slopes, diving below the waves, or repelling down a sheer rock face, you should probably have insurance. This is where Life by Spot comes in. A radical departure from the insurance companies you are used to dealing with, Life by Spot offers up short-term, on-the-spot injury protection for all matter of adventures. From cycling and surfing to rock climbing and skiing, Life by Spot delivers policies starting at $5 a day with up to $20,000 in accident coverage so you can get out and push yourself to the next level.