When the comedian of the 1920s in Hollywood, Ben Turpin, started to insure his trademark squint eyes for the first time with the 25.00 USD Lloyd's of London policy, policies started to be made in case celebrities or artists could not do their main profession due to the loss of body parts.

Many celebrities followed this trend over time.

Although the main purpose seems to be to reinforce the name with high amounts, it is the concern of not being able to maintain the standard that he is used to due to reasons such as the artist being unable to do his job as a result of a possible accident, the termination of advertising agreements, and the inability to make new business contracts.