Can I Insure My Hands With Hands Insurance? [Yes, With Disability Insurance]

Updated: June 18, 2020 at 8:42 am

hands insuranceThis question was posed to us recently by a prospective client looking for hands insurance. The short answer: yes, you can insure your hands. Unless you are a rock star, movie star, or an athlete, there is an easier way to insure your hands without directly insuring them through Lloyds of London. In this article, we discuss hands insurance, why your hands are important, and more specifically, disability insurance.

Your Hands: A Major Financial Asset

Take a look at your hands. What do you see? Ok, so you need to trim the fingernails, apply some lotion, and put a band-aid on that cut. What do you really see? Next to your brain, we see the means to your achieving financial independence. Think about it. You can’t find a profession where you don’t use your hands. If you are a dentist or surgeon, you use your hands.

Are you a chef? You use your hands.

If you are an electrician, plumber, carpenter, or some other tradesperson, you definitely use your hands.

The professions go on and on. (I used my hands to type this article.) We use our hands for everything, and we take them for granted. What if you no longer had use of your hands? Or fingers? Or wrists? It would be very difficult for most of us to continue to work.

You can insure your hands. Insuring a body part can be an expensive proposition (you may have heard that Lloyds of London insures body parts) on its own. Moreover, it is very limited coverage. What if you injure your wrist? Your wrist is important, right? Of your shoulder? Or, if you are diagnosed with a health condition that prevents you from working?

A hands insurance policy WON’T pay in those cases.

Fortunately, for most of us, we can insure our hands – and everything else – through an affordable disability insurance policy.

Hands Insurance: A Disability Insurance Policy

We can insure our hands, and other body parts and organs, through a disability insurance policy. What is disability insurance? It is a policy that will pay you a monthly benefit if you become disabled, on or off the job, from a sickness, illness, injury, or accident, and you can no longer work or no longer work full time. In other words, it is a policy that is designed to protect your income.

So, if you injure your back and can’t work, a disability insurance policy will pay a benefit. If you are diagnosed with cancer or ALS, a disability insurance policy will pay.

Of course, a hands-only insurance policy will not.

Why is protecting your income important? Think about it. Now, think about this scenario. You just received your paycheck and need to pay some bills. What would you do if that paycheck was the last one you received for 6 months? How about a year? How about longer? What would you and your family do for money?

This is the purpose of disability insurance. It protects your income in case you can’t earn an income due to a disability.

While you may think the cost of disability insurance is expensive, it is not. Depending on your health, income, and circumstances, disability insurance usually costs around 2% of your gross income. Stated another way, the premiums may cost between $0.50 and $3.00 per day. Certainly, you can find $3.00 per day or less to protect your income and your family’s future, right?

If you don’t know how much disability insurance you need, use our disability worksheet. Just follow along and fill in the blanks. Your estimated disability insurance amount automatically calculates.

Now You Know You Can Insure Your Hands With A Comprehensive Disability Insurance Policy

Yes, you can insure your hands with hands insurance. However, the best way for nearly everyone to do that is through a disability insurance policy. A disability insurance policy will not only insure your hands, but also insure everything else in case you became sick or injured and cannot work long-term.

We take an educational approach to disability insurance. Because, frankly, it can be confusing. However, disability insurance is one of our specialties. We have helped many individuals obtain affordable disability insurance. Contact us or fill out the form below to learn more. As with everything we do, we have your best interests. It is the only way we know how to work with our clients.

If you want to look into hands insurance, contact Lloyd’s of London yourself. They will typically tell you that you will need a disability insurance policy.

Learn More

Interested in learning more about the information in this article? Fill out the form below and we will email you additional customer literature, explaining these options in more detail. We are here to help and work only in your best interest.

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I am a CFP® Professional and have an MBA. I founded My Family Life Insurance to provide honest, trustworthy advice and economical insurance solutions to individuals, families, and business owners. Contact me if you have any questions. There is no risk! If I can't help you, you've learned a little more, and we'll part as friends. Seriously! Can your current agent say this?

14 thoughts on “Can I Insure My Hands With Hands Insurance? [Yes, With Disability Insurance]”

  1. Interested in learning about annual cost associated with LTD insurance for two individuals . One aged 30 , the other aged 37.

    I am familiar with LTD had I had this thru my employer until I retired but don’t have sense of the costs when purchasing as an individual plan.

    Presumed you wanted to know which website I found you….that’s what listed below.

    1. Hi Elizabeth,

      Thanks for reaching out to us. I will send you an email with more information. If you can reply back to it with the pertinent information, we can give you an accurate quote.


  2. A surgeon has recommended that I insure my back, after surgery for herniated disc. How do I do that? What would the cost for something like that be? What would be covered? I work as a firefighter.

    1. Hi Randy,
      I really appreciate your reaching out to us.

      I am always amazed when someone suggests to another person they need to “insure” their hands, neck, or, in your case, back.

      I tell people to ask the person what he or she uses to insure their own back, hands, neck, etc.

      You see, “body part insurance” really doesn’t exist on a stand-alone basis. One carrier as we described in our article does offer, but they are insuring athletes, musicians, entertainers, and even surgeons likely. However, all of these people need – and have – an ample amount of disability insurance as well. Disability insurance covers your hand, neck, back…really anything that prevents you from doing your job. It’s foundational insurance. Then, one might be able to supplement with a specific insurance once they have an adequate amount of liability insurance.

      In your case, a comprehensive disability insurance plan will cover your back, since you can’t do your job as a firefighter. I presume you have disability insurance through your union or town?


    1. Sure, Sherrah. Feel free to contact us at (800) 645-9841. I am happy to answer any questions you have and tell you how we’ve helped other professionals insure their hands.

    1. Hi Arnold,
      Thank you reaching out to us. I will send you a separate email. You can insure your hands with disability insurance.

      Look for that email from us that contains more information, and I hope we can chat soon.


  3. I am an artist. If either of my arms get broken I cannot work. would you have a policy that could cover this possible event

    1. Hi Len,

      The best way to do this is through a disability insurance policy. It will pay a benefit if you can’t do your job as an artist. I will email you some information.


    1. Sure, Stephanie. I will email you some information shortly. Please let us know how we can help, and thank you for visiting us.


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