11 Bizarre and Brilliant Uses of P&C Coverage (Yes, You Really Can Insure That)
You might think of property and casualty (P&C) insurance as something boring—home, car, maybe business coverage if you own your own business.
But what if you’re a pop star with a $27 million backside? Or a male stripper insuring his... livelihood? Believe it or not, that’s still P&C insurance—just in its most fabulous, eyebrow-raising form.
Here are some of the most outrageous, fun, and weirdly practical ways celebrities (and a few brands) have used P&C insurance to cover their most prized assets—body parts, talent, taste buds, and even tacos.
💃 Heidi Klum’s Legs – $2.2 Million
Yes, both legs are insured—but her right leg is worth $1.2 million, while the left is just $1 million thanks to a small scar. That’s precision coverage.
🎤 Rod Stewart’s Voice – $6 Million
When your vocal cords are your career, you protect them. Rod insured his signature rasp so he can keep belting out “The First Cut Is the Deepest” without fear.
💋 America Ferrera’s Teeth – $10 Million
Aquafresh insured the Ugly Betty star’s teeth during a campaign, proving that a dazzling smile is serious business.
⚽ David Beckham – $151 Million
Beckham took out one of the largest known personal insurance policies ever to protect his career from a career-ending injury. Spoiler: it didn’t cover his achilles surgery.
🍒 Dolly Parton’s Breasts – $600,000
Dolly reportedly insured each breast for $300,000. If you’re a living legend and marketing icon, everything is an asset.
🍑 Jennifer Lopez’s Butt – $27 Million
J.Lo's most famous feature reportedly has its own massive policy. After stealing the show in THE legendary green Versace dress at the Oscars, it’s no surprise she made sure her assets were protected.
🧑🚀 Alien Abduction Insurance – $1.5 Million
British entrepreneur Paul Hucker insured himself in case of abduction, impregnation, or consumption by aliens. Over 20,000 people have similar policies (seriously). Insert X-Files theme song.
🌮 Taco Bell’s Space Station Promo
During MIR Space Station’s reentry, Taco Bell placed a floating bullseye in the ocean and said if it got hit, everyone in America would get a free taco. They took out a policy just in case.
🔥 Thailand’s Riot Insurance – $10,000 Per Tourist
To encourage tourism during political unrest, the Thai government offered riot insurance to incoming tourists. A very P&C way to say “please still come.”
🧂 Egon Ronay’s Taste Buds – $400,000
Famed British food critic made sure his taste buds were covered, proving your palate can be property, too.
🖕 Keith Richards’ Middle Finger – $1.6 Million
The Rolling Stones guitarist insured his favorite finger for flipping the world off. Icon behavior.
So... Is This Really P&C Insurance?
Yes! These quirky policies are a form of specialty or surplus lines coverage—still under the broad umbrella of P&C. They're highly customized, often written by carriers like Lloyd’s of London, and based on unique risks tied to a person’s income, reputation, or irreplaceable assets.
From body parts to business risks, the world of insurance is much more entertaining than you might think.
Final Thoughts
Think P&C insurance is boring? Think again.
Whether you’re covering your classic car or your million-dollar moneymaker, there’s a policy for that.
At Greatstone Wealth, we typically don’t insure taste buds or chiseled abs—but we do help you protect what matters most, whether it’s your company, your investments, or your legacy.
