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Player Parts

How to get NFL players body parts covered?
Troy Polamalu hair is insured for $ 1 million. How is this legal? What if your hair is damaged? Are there other players in the NFL has secured parts of your body? Your thoughts? Http: / / voices.washingtonpost.com/early-lead/2010/08/troy_polamalus_hair_insured_fo.html
I'm pretty sure it was the Lloyd's of [...]