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Colorado Insurance Blog

3 Interesting Examples of Specialty Insurance

Insurance can cover more than houses, boats, and cars in Denver, CO. If you can put a dollar value on your risk, you can insure it. Here are some interesting examples of specialty insurance:

Alien Abduction Insurance

A small insurance company in Orlando actually sells protection against alien abduction. You pay a one-time premium of just $9.95, and you’re protected for up to ten million dollars in damages and medical care. Of course, it’s a long shot that anyone’s going to file a claim, but if you’re worried about getting scooped up by a tractor beam, it’s nice to have options.

Lottery Insurance

Something you don’t really think about as a business owner: What if one of your employees wins the lottery and quits without notice? Well, a number of UK insurers have you covered for all of the expenses involved in restaffing the position.

Body Parts Insurance

You’ve probably heard of this one: More than a few celebrities have insured their trademark bodies parts, such as Heidi Klum covering her legs for $2.2 million and Gene Simmons covering his tongue for one million. It sounds silly, but it makes sense if you think about it. A celebrity has so much riding on their image, so Bruce Springsteen insuring his voice isn’t much different from a delivery driver insuring their car.

Specialty insurance doesn’t just cover "unusual" risks, it’s really about covering anything exceptional. In Denver, CO commercial buildings and homes that are worth well above typical market, values are often covered on specialty policies.

If you need something protected and your current provider won’t meet your needs, get in touch with AFI Insurance and see what we can do for you.

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