Celebrity Body Part Insurance: From Head to Toe
We all know what insurance is for—it protects people from financial loss. If you crash your car, break your phone, or tear an ACL, insurance helps cover the costs. But what happens when your body is your money-maker?
For athletes, models, and celebrities, certain body parts are essential to their careers. Damage to those assets could mean losing income, so some stars take out policies to protect themselves. Others? Well, they might just be chasing headlines.
While some body part policies are legitimate, others are more “PR stunt” than serious risk management, and many are rumors repeated without proof. Still, they make for entertaining stories.
Let’s take a (skeptical) stroll from head to toe through some of the wildest and most interesting celebrity body part insurance policies—both confirmed and rumored.
Hair
Troy Polamalu
Former NFL star Troy Polamalu’s legendary Samoan hair was insured for $1 million in 2010, courtesy of Head & Shoulders. While the actual policy details are fuzzy, it made headlines—and that was kind of the point.
Mouth (Smiles, Voices & Taste Buds)
America Ferrera
Back in the day, her million-dollar smile was insured by Aquafresh for $10 million—a rare example with a clear paper trail.
Bruce Springsteen
The Boss reportedly insured his vocal cords for $6 million, emphasizing how much his voice matters to his career.
Gordon Ramsay
Yes, Ramsay’s tongue is reportedly insured for $10 million, because a Michelin-star palate doesn’t come cheap.
Cadbury’s Taste Tester
A legit one: In 2016, a Cadbury chocolate taster insured her taste buds for £1 million—she was barred from eating overly spicy foods and sword-swallowing, naturally.
Chest & Torso
Tom Jones
Tabloids claimed Tom Jones insured his chest hair for $7 million, but the man himself debunked it in classic fashion: “I’d shave my own bloody chest for $7 million” (Business Insider).
David Beckham
While better known for his legs, his $195 million policy also covered his entire upper body—including his famously tattooed torso.
Hands
Keith Richards
Guitar legends like Keith Richards of the Rolling Stones have reportedly insured their hands for millions. “These are my business,” Richards said once, showing his iconic fingers.
Jewelers & Chefs
Outside of celebs, jewelers and Michelin-starred chefs have insured their hands, since losing fine motor skills would tank their careers.
Butts
Kim Kardashian
The queen of curves reportedly insured her rear for $21 million, though, like many stories in this space, sources are murky. Did she? Did her brand? No one's confirmed, but the buzz stuck.
Nick Cannon
In 2025, Nick Cannon made headlines by insuring his gentleman parts for $10 million via a promotional campaign with Dr. Squatch. Yes, really.
Jennifer Lopez
The $1 billion butt rumor started in a 1999 New York Post article, but J.Lo has denied it several times since.
Legs
Taylor Swift
In 2015, tabloids claimed Swift insured her legs for $40 million. Her response? A tongue-in-cheek Instagram post featuring a cat scratch and the caption, “NOW YOU OWE ME 40 MILLION DOLLARS.” Classic Swift.
Mariah Carey
When Gillette dubbed her “Legs of a Goddess,” tabloids claimed her legs were insured for $1 billion. Later, she reportedly insured her legs and voice for a more realistic (but still jaw-dropping) $70 million.
Cristiano Ronaldo & Lionel Messi
One of the few confirmed big leg policies: Real Madrid insured his legs for over €100 million. The GOAT? His left foot alone was reportedly insured for €750 million, making it arguably the most valuable body part ever covered. Soccer is big business, and those legs are the investment.
Heidi Klum
Fashion models depend on long, flawless legs—and sometimes their clients protect that investment. “I didn't personally have them insured, but a client of mine did,” Klum shared about a £1.1 million policy. “Basically, I was in London, and I had to go to this place where they check out your legs. They would look at them, and I had one scar here from when I fell on a glass, so this [left leg] isn't as pricey as this [right] one.”
So, What’s Real and What’s PR?
It’s tough to tell. Legitimate policies do exist, especially for athletes or performers, where the risk is clear and insurable. But for others, “insurance” is often a marketing play. A headline saying “so-and-so’s legs are worth millions” is catchier than “so-and-so signed an endorsement deal.”
That’s part of what makes insurance so fascinating (and misunderstood). It’s not just about disaster—it’s also about protection, image, and sometimes, a really clever stunt.
Thinking of a Career in Insurance?
Believe it or not, someone out there actually wrote the policy for Polamalu’s hair. And someone else had to underwrite that Cadbury taster’s tongue. If you're curious about the behind-the-scenes work of underwriting and risk management, maybe a career in insurance is calling your name.