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Regular, normal non-important people insure things that are worth a lot to them— like houses, cars, spouses, and jewelry—to protect against the financial ramifications of that special something or someone getting damaged. So, when a person makes a living from a specific body part, it follows that they (or their employer) would probably want to insure that part. For example, "master ice cream taster" John Harrison samples over 50 packages of ice cream for Edy's Grand Ice Cream (known as Dreyer's west of Colorado) each day, so the company had his taste buds insured for $1,000,000. (Note to self: look into a career in ice-cream tasting.)