So you think you have enough insurancecoverage? Check out theseextreme policies taken out withLloyd's of London:
A grain of rice with the Queen's portraitengraved on it is insured against theft oraccidental cookery.
Cutty Sark, the Scotch whiskey company,offered a reward of a million British pounds toanyone who could capture the Loch Nessmonster alive. Lloyd's covers Cutty's liability ifthey ever have to pay up.
A few policies insure the unicorn againstdeath or disease.
A racetrack in England paid around $400 toinsure all race-goers against being kidnapped byspacemen and having microchips implanted.
100,000 Americans are covered againstbeing kidnapped by space aliens, with doublepayment if the kidnap victim is impregnatedby extraterrestrials.
40,000 people have insured againsttheir homes being haunted by ghosts.
250,000 are covered against a Yeti orBigfoot attack.
60,000 are covered against being turnedinto a vampire or werewolf.
20 members of a Whiskers' Club onceinsured their beards against fire or theft.
Bruce Springsteen insured his voice for$5.6 million. Angie Dickinson and Jamie LeeCurtis each valued their legs at $1 million. Fashionmodel Petra Morgan pays $86,000 a year to insureher breasts for $16 million.
Taken from "World's Biggest Insurer Takes on AllRisks," by Paul Bannister, a freelance reporter for