When winemaker Ilja Gort heard about a man who lost his sense of smell after a car accident, he figured he should insure his sniffer so he wouldn’t risk his wine-tasting abilities. The $8 million policy set in 2008 had just a few caveats: He wouldn’t be protected if he did boxing, rode a motorcycle, acted as a knife-thrower’s assistant, or tried fire-breathing.
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