I’d like to make my sales pitch to you, have you ever thought about the risk of injury while running and what that might mean to your family? The loss of a limb, a broken leg, a pit bull bites you in the ass, how would your spouse and kids cope? Ok, I’m being facetious.

These days you can purchase insurance for everything, Best Buy will sell you an insurance plan for a $30 phone, pet insurance, travel insurance, etc. So it should come to no surprise that I recently came across a company selling running insurance. Let’s take a look at their policy payouts.

Double Principal Sum for quadriplegia ($50,000.00)
Full Principal Sum for loss of life ($25,000.00)
Full Principal Sum for paraplegia ($25,000.00)
Full Principal Sum for hemiplegia ($25,000.00)
Full Principal Sum for loss of both hands or both feet ($25,000.00)
Full Principal Sum for loss of use of both hands or both feet ($25,000.00)
Full Principal Sum for loss of entire sight of both eyes ($25,000.00)
Full Principal Sum for loss of one hand and one foot ($25,000.00)
Full Principal Sum for loss of one hand and entire sight of one eye ($25,000.00)
Full Principal Sum for loss of one foot and entire sight of one eye ($25,000.00)
Full Principal Sum for loss of speech and hearing in both ears ($25,000.00)

So being a quadriplegia, is twice as bad as getting killed? Anyway, I think I’m going to roll the dice and keep on running without insurance, personally I like to self insure as much as possible!