Body part insurance offer crucial financial cover, and protect your livelhood if you rely on a specific part of your body to earn a living. Performers (including musicians, singers and actors) as well as artists, surgeons, athletes and other sports people all commonly require this type of insurance. Body part insurance pays out financial compensation for any accidental damage or disfigurement caused to the insured body part, if the damage results in a loss of work.
From the most 'normal' types of body part insurance, such as cover for a model's limbs, to the more bizarre kinds, including insurance for a sommelier's taste buds, almost any body part can be insured if it can be proved that loss of use of this body part would lead to significant loss of work and income.
Body part insurance is usually relatively more expensive than other kind of insurances; it is often bought by experts in their field, or celebrities: some of whom even use it as a promotional gimmick. However, it is not only celebrities who may need protection in case of disability or loss of use of a vital limb. Models for example, have a career based almost entirely on appearance, and could lose out on significant income if disability prevented them from winning future contracts. As a result, a model might insure several parts of their body, for example their legs and even their smile. Body part insurance is not designed to insure your whole body: it is intended to cover only select body parts. If you wish to insure your whole body it may be more suitable for you to take out a comprehensive life insurance policy instead, than body part insurance.
From the most 'normal' types of body part insurance, such as cover for a model's limbs, to the more bizarre kinds, including insurance for a sommelier's taste buds, almost any body part can be insured if it can be proved that loss of use of this body part would lead to significant loss of work and income.
Body part insurance is usually relatively more expensive than other kind of insurances; it is often bought by experts in their field, or celebrities: some of whom even use it as a promotional gimmick. However, it is not only celebrities who may need protection in case of disability or loss of use of a vital limb. Models for example, have a career based almost entirely on appearance, and could lose out on significant income if disability prevented them from winning future contracts. As a result, a model might insure several parts of their body, for example their legs and even their smile. Body part insurance is not designed to insure your whole body: it is intended to cover only select body parts. If you wish to insure your whole body it may be more suitable for you to take out a comprehensive life insurance policy instead, than body part insurance.
