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I have read about actors and actresses insuring their body parts through Lloyd's of London... Jennifer Lopez literally insures her ass, America Ferrera her smile.

This is absolutely a Lloyds risk...if you wish to PM me, I can offer some assistance.

If the client wants zillions of dollars in a lump-sum, then London may be the way to go.

If she is worried about loss of income then a high quality disability income policy through a quality carrier like The Principal or Ohio National Life would do a great job. They have special clauses that pay a benefit if the insured cannot do the substantial duties of their specific occupation. Surgeons that break a finger can collect, and a professional musician would be allowed to also. She should look into one of these...

Swymmer

Without a doubt this is 100% a risk that should be placed at Lloyd's of London as LadyBroker says. I used to do a fair amount of work with those guys over then when I used to work there.......it really is the best place for that kind of risk.