Celebs Who Insured Body Parts, Some Truly Bizarre

2 days ago 2

4AllThings Android App

There is regular insurance, and then there is the kind that covers the parts that make someone famous. Over the years, celebrities and their sponsors have turned to specialty policies to protect assets that are directly tied to careers, endorsements, and tour schedules. These policies usually go through Lloyd’s of London or similar markets that can tailor coverage for unique risks.

Amounts vary wildly and often make headlines, but the basic mechanics are the same. A policy sets a benefit if an accident or illness causes covered damage to the body part and leads to financial loss. Premiums depend on age, health, exposure to risk, and the length of coverage. Some deals are purchased by the celebrity, while others come from brands guarding an investment during a campaign.

Betty Grable

20th Century Fox famously insured the screen legend’s legs during the height of her pinup popularity. The studio used the policy to underline her box office value and to keep production on schedule if an on set injury threatened filming.

The coverage worked as a marketing hook too. Posters and publicity stills tied the insured legs to her star image, while studio contracts helped control photo shoots and choreography that might raise injury risk during musical numbers.

Michael Flatley

The ‘Riverdance’ star reportedly insured his legs for a figure in the tens of millions during peak touring years. The policy helped protect future earnings tied to demanding choreography and nightly performances that carried a high risk of sprains or fractures.

Tour promoters and venues relied on the coverage as a safety net. If a covered injury forced cancellations, the payout could offset refunds, production payroll, and the costs of rescheduling arenas across multiple countries.

David Beckham

During his playing career, Beckham secured a widely reported multi part policy centered on his legs. The coverage aligned with lucrative sponsorships and protected earnings that depended on match fitness and appearances.

Such policies usually include medical examinations and exclusions for non football hazards. Clubs and sponsors use them alongside team contracts and performance bonuses to manage the financial impact of injuries occurring in training or competitive matches.

Cristiano Ronaldo

Ronaldo’s legs have been the subject of large insurance arrangements that reflected his transfer value and commercial commitments. Coverage levels were designed to complement club protections and personal endorsement obligations.

These policies often scale with exposure to risk during intense competition calendars. The terms can address rehabilitation periods, medical follow up, and milestones for partial or total disability that affects on field performance.

Lionel Messi

Reports have long pointed to high value protection on Messi’s legs. The aim was to guard both club and personal income tied directly to his ability to play at an elite level across league and international fixtures.

Policies for top forwards typically factor in acceleration, cutting, and repeated impact. Underwriters weigh match minutes, training loads, and historical injury data to set premiums and limits that match the athlete’s earning profile.

Heidi Klum

Klum’s legs were insured during her modeling career, with coverage that reportedly put different values on each leg because of a small scar. The policy supported runway work, ad campaigns, and live television appearances that demanded constant travel.

Modeling related coverage often includes photography schedules and wardrobe considerations that reduce slip or trip risks. It also pairs with contractual language about footwear, stage surfaces, and rehearsal time for televised events.

Mariah Carey

Carey has been linked to policies on both her legs and her voice at different points in her career. Tour cycles and brand campaigns made coverage practical, especially when a string of shows compressed into a short window.

Vocal coverage usually addresses acute issues like laryngitis as well as longer recovery from strain. The policy interacts with tour insurance for postponements, and it can require routine checkups and rest days baked into itineraries.

America Ferrera

During a toothpaste campaign, Ferrera’s smile was insured as part of the promotion. The arrangement protected the brand’s investment in live events and media appearances that centered the campaign around her teeth.

Policies like this are typically time limited and tied to the exact run of the promotion. They can include photo and lighting guidelines, approved foods and beverages at events, and access to dental care during travel days.

Holly Madison

While starring in a Las Vegas production, Madison insured her breasts for a seven figure amount. The coverage helped shield the show and its marketing from losses if a covered injury or medical issue forced cancellations.

Stage productions rely on these policies to keep payroll and advertising spend from evaporating when a headliner cannot perform. The contracts usually require protective costuming, safe quick change areas, and documented warm up routines.

Troy Polamalu

As the face of a shampoo campaign, Polamalu’s hair was insured during active marketing years. The policy protected live appearances and ad shoots that depended on his signature look.

Sponsor driven policies often include care standards and approved stylists. They also specify how close quarters stunts, helmets, or harnesses are handled during commercial shoots to minimize the chance of accidental damage.

Merv Hughes

The Australian cricketer’s famous moustache was insured during a beer brand partnership. The coverage functioned as a lighthearted hook while still guarding a campaign asset used in packaging and event appearances.

Even novelty policies spell out practical terms. They may require regular grooming appointments, restrict certain products, and outline how the facial hair is presented in photography to match brand guidelines.

Iker Casillas

As a top goalkeeper, Casillas’ hands were covered to safeguard earnings tied to match availability. The policy sat alongside club protections and reflected his critical role during domestic and European fixtures.

Goalkeeper specific underwriting looks at finger and wrist injuries from high velocity shots and collisions. Coverage can include custom splints, specialist therapy, and return to play testing that satisfies both medical and contractual standards.

Manuel Neuer

Neuer’s hands have been associated with dedicated insurance during his career. The intent was to reduce financial exposure for both player and stakeholders if a significant hand injury interrupted seasons or tournaments.

These policies typically coordinate with image rights agreements and personal sponsors. Claims procedures outline medical documentation, timelines for evaluation, and thresholds that trigger partial or full benefits.

Gareth Bale

Following his record transfer era, Bale’s legs were reportedly insured at a level that reflected his market value. Coverage supported club investment and endorsement schedules built around highlight performances.

Underwriters factor in sprinting speed, hamstring history, and match congestion when pricing a winger. Policies sometimes add clauses addressing non football activities that could increase risk during off days.

Rihanna

During a major razor brand campaign, Rihanna’s legs were covered to protect the marketing rollout and live appearances. The arrangement supported a calendar of shows, interviews, and photo calls built around the campaign theme.

Campaign policies often come with backstage protocols for footwear, stage surfaces, and quick exit routes. They also coordinate with tour insurance so a claim from a single incident does not conflict across overlapping policies.

Rod Stewart

Stewart’s voice has been the subject of a multimillion policy tied to touring and recording commitments. The coverage targeted losses from cancelled dates or delayed sessions caused by covered vocal issues.

Voice policies commonly require pre tour evaluations, hydration and rest plans, and limits on back to back shows. Claims can include reimbursement for venue holds, crew travel, and promotional penalties.

Gisele Bündchen

Reports have noted a high value policy on Bündchen’s legs during major beauty and fashion campaigns. The coverage helped stabilize production schedules for commercials and runway events across multiple markets.

Model focused coverage can include transportation requirements, surface checks at venues, and footwear approvals. Insurers often request incident reporting procedures so minor strains are documented before they escalate.

Julia Roberts

Roberts has long been linked to an insurance policy on her smile, reflecting its central role in ad work and film publicity. The intent was to protect promotional schedules and brand tie ins that require photo shoots and live events.

Smile coverage can involve regular dental checkups, whitening restrictions, and approved on set catering. The policy period typically aligns with film release windows and commercial campaigns to match the greatest exposure.

Anna Kournikova

During an internet company sponsorship, Kournikova’s face was insured to protect the brand’s campaign assets. The policy supported live promos, photo calls, and commercials built around her image.

These arrangements specify travel routines, makeup teams, and lighting setups that maintain continuity across shoots. They also address how retouching is handled so the final creative matches the brand’s approved look.

Keith Richards

Richards has been associated with insurance on his hands to safeguard touring and recording commitments. The coverage reflected the financial stakes tied to a global schedule and high demand for live shows.

Instrument specific policies consider finger dexterity, tendon health, and repetitive strain from long sets. They typically include access to specialist therapists, custom supports, and rest schedules negotiated into tour planning.

Jennifer Lopez

Lopez has been repeatedly linked to coverage focused on her figure during intense performance periods. The narrative around this policy often surfaced during world tours that featured complex choreography and rapid stage changes.

Tour aligned coverage lays out warm up requirements, footwear guidelines, and stage safety checks to lower injury risk. It also coordinates with dancers and choreographers so blocking and lifts meet the insurer’s safety expectations.

Share the wildest policy you have ever heard about in the comments.

Read Entire Article