What types of insurance do superheroes need?

What types of insurance do superheroes need?

October 27, 2016

If comic books and movies have ever thought us something, besides the fact that the good guys always win, is that superheroes always get themselves into trouble. And, if you tend to always get into trouble, then there’s one thing that you definitely need. That’s insurance.

It’s always better to have it and not need it, than to need it and not have it at all. This is true no matter who you are, and no matter the type of insurance. With insurance, you can protect both yourself and your finances. And this goes double if you often tend to put yourself in harm’s way.

We, here at Savvy Advisor, have taken a look at some of the most popular superheroes who fight crime today on the big and little screens and in comic books. Here’s what kind of insurance we think they need and probably already have.

1. Superman

You can’t talk about superheroes and not mention The Man of Steel. Superman is by far the Earth’s mightiest hero. He’s indestructible, incredibly strong, can shoot lasers from his eyes and has the ability to fly. With all these awesome powers, you might think that he needs no insurance. But he does.

For all his powers, Superman does have one flaw. And that’s the fact that he always causes damage to other people’s property. No matter if he’s fighting Lex Luthor, Darkseid, or even Batman, he always ends up smashing buildings, destroying vehicles and breaking a lot of other stuff. He probably has property damage liability insurance coverage. It’s the only way he can continue doing the thing that he does and not become bankrupt. It’s true that his premiums are probably sky high, but he spends nothing on car insurance or health insurance, so maybe he can afford it.

2. Deadpool

The Merc with a Mouth can heal from any type of wound. You can’t hurt him, you can’t kill him. Unfortunately, he’s nuts and he loves guns and bombs. This is a terrible mix. Just like Superman, Deadpool needs property damage liability insurance coverage, to pay for all those things that he constantly blows up. And he probably also insured his car.

His reckless nature means that he always destroys his cars. It’s true that being a mercenary pays well, but I don’t think that it’s enough to pay for all the cars and bikes Wade Wilson loves to blow up so much. Instead, the money probably goes on car insurance.

3. Batman

The Dark Knight is a great detective, a very good martial artist, but he’s still just a man. He definitely has life and health insurance. And, since Bruce Wayne is one of the richest heroes out there, he probably also has the best coverage money can buy.

I have no doubt that Batman got car insurance for the batmobile, and property damage liability insurance coverage, to pay for all the damage that he causes. And I’m pretty sure that he also gets home insurance, since Wayne Manor is built over a network of caves and could sink at any given time.

Good thing that Bruce Wayne is so rich!

4. Professor X and the X-Men

Having to spend your entire life in a wheelchair is really hard, even if you can read the minds of every single human on Earth. But if you’re also a professor and you are responsible for your students and employees, then you definitely need insurance.

Professor Charles Xavier has health insurance. He needs it. He also insured his car and his mansion, because the X-Men and the supervillains they fight tend to not really care about the professor’s belongings. In spite of this, the Professor is still a really nice guy. And because he’s such a nice guy, he probably has health insurance for all of his employees. Fighting crime is dangerous. And it can be terrible if a disgruntled employee (Wolverine, maybe), decides to sue one day for getting hurt on the job.

But if you get health insurance for all your employees, you both keep them happy and protect your finances.

5. The Teenage Mutant Ninja Turtles

The Teenage Mutant Ninja Turtles are great. They’re fearsome fighting teens, they’re heroes in a half shell, and they’re green. But what’s not so great is the fact that they probably can’t get insurance, because they’re turtles, not humans. I don’t think that there’s anything in the contract that says turtles can also get it.

The Ninja Turtles’ only option is pet insurance. It may not sound like much, but it’s better than nothing. And remember that Donatello, Leonardo, Michelangelo and Raphael are always fighting Shredder, a ninjutsu master. They need whatever help they can get.

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