Insuring a body part, is this reserved for stars?

We are led to believe that insuring a part of one's body is just for celebrities such as artists, top athletes ... The reality is quite different!

This type of insurance is accessible to the general public. All parts of the human body can be insured. The premium varies according to the risk exposure, the status of the insured, the part(s) of the body covered and the amounts of insured capital.

How does insuring a body part work?

piano assurance corps humain

Football players take out insurance for their legs, actors for their faces and singers for their vocal cords. Other professionals follow the same path and insure parts of their bodies. This is the case of musicians (pianists, guitarists, etc.), surgeons and dentists who underwrite insurance policies for their hands or their fingers.

In addition to standard guarantees (loss of occupation insurance, pension insurance, personal accident insurance), complex guarantee arrangements can be created in tailor-made contracts.

This segment of the insurance market is a niche in the hands of specialized brokers and underwriters. Depending on their importance, many risks are placed with the Lloyd's syndicates.

* It should be noted that, there are tailor-made guarantees, depending on the occupation: pilots insure their sight, sommeliers and tasters take out insurance for their taste buds, etc.

Insuring a body part: the most important contracts underwritten by sportsmen

AthleteType of sportInsured body part(s)Amount of cover
Lionel MessiFootballLegs898 million USD
David BeckhamFootballLegs151 million USD
Cristiano RonaldoFootballLegs144 million USD
Iker CasillasFootballHands17 million USD
Fernando AlonsoFormula OneThumbs13.5 million USD
Mark McGwireBaseballAnkle12 million USD (1998)
Sam BradfordAmerican footballEntire body10 million USD
Joba ChamberlainBaseballRight arm5 million USD
Manuel NeuerFootballHands4.3 million USD
Felipe MassaFormula OneHead1 million USD

Other athletes have also insured unusual body parts:

  • American football player Troy Polamalu took out insurance for his hair for 1 million USD in 2010.
  • Australian cricket player Merv Hughes has insured his moustaches for the amount of 370.000 USD.

Insuring a body part: the most important contracts in the world of art and entertainment

ArtistArtistic fieldInsured body part(s)Contract value
Mariah CareySingingVoice35 million USD
Legs35 million USD and up to 1 billion USD during an advertising campaign in 2006
Jennifer LopezSingingBody (Butt)Between 27 and 300 million USD
Michael FlatleyDanceLegs57.6 million USD
Taylor SwiftSingingLegs40 million USD
Julia RobertsCinemaSmile30 million USD
Bruce SpringsteenSingingVoice30 million USD
America FerreraCinemaSmile10 million USD
Daniel CraigCinemaEntire body9.5 million USD
Tom JonesSingingChest hair7 million USD
Rod StewartSingingVoice6 million USD

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