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One hairy insurance policy

What began as being too lazy to shave while on vacation last week has morphed into my first deliberate attempt at facial hair.

My goatee will be gone by the weekend, when I have to be in pictures for a family wedding, but for now it’s growing on me. (Ha!)

Whether I sport a goatee in the future will largely depend on what a future Mrs. Jacobs thinks of it. But then I read about Head and Shoulders insuring the flowing locks of Pittsburgh Steelers safety Troy Polamalu for $1 million.

What if my goatee becomes my calling card, what Tom Selleck’s Mustache is to Tom Selleck?

(And if Polamalu’s hair is worth a million, what is Tom Selleck’s Mustache worth? $10 million? A billion?)

Thankfully, the folks at Slate provided a primer on body-part insurance. It seems the biggest “surplus lines” policies, as they are known, can be found overseas.

Lloyd’s of London has insured “Lord of the Dance” Michael Flatley’s legs for $38 million and Bette Davis’ waistline for $28,000, among other famous clients.

A Florida lawyer traced the celebrity insurance policy — Springsteen’s $6 million voice, Dolly Parton’s $600,000 bust, etc. — back to silent film star Ben Turpin, who took out a policy to protect his moneymaker: his crossed eyes.

There is also precedent for facial hair insurance. Members of England’s Derbyshire Whiskers Club insured their beards against “fire and theft.”

No word yet if Chuck Norris’ Beard is aware such a policy exists.