With the runaway popularity of E.L. James’ Fifty Shades of
Grey and almost everyone trying S&M bondage activity like it’s the heyday
of the late 1970s London Punk movement, will risqué sexual activity risk
insurance soon become an economically viable necessity?
By: Ringo Bones
Maybe it was the runaway success of E.L. James’ Fifty Shades
of Grey and the weeks it hogged the New York Times’ Bestseller List that makes
almost everyone wonder these days of whether S&M Bondage sex had already
become mainstream in the bedrooms the world over. Or was it that episode of
American Dad having an insurance policy parody of “butt insurance” issued by
Darkstar Insurance aimed at accidents in the bedroom that might be the result
of rough S&M Bondage sex by inexperienced first-time practitioners. Or are
the folks at American Dad just “dadded” the concept and supposed “policy” of
the risqué sexual activity risk insurance. But given the media’s increasingly
positive portrayal of “alternative” sexual lifestyles, what’s considered
“risqué sexual activity” to folks who grew up during the Great Depression might
seem tame by those who grew up during the Reagan administration.
Unfortunately, sexual activity norms during the time when
then US president Ronald Reagan and then US Attorney General Edwin Meese III
used millions of dollars of American taxpayers’ money to study the effects of
pornography only to find out that it isn’t that harmful and all that they have
to show for it is a 1,960-page big blue book that almost nobody reads anymore only
makes one wonder the difficulty of formulating an economically viable policy
for risqué sexual activity risk insurance – never mind formulating an
economically viable coverage scheme. Or what about marketing?
It seems that risqué sexual activity risk insurance could be
marketed as a kind of “specialist coverage” insurance aimed at a very specific
market. Unfortunately, the move might hike up premium costs that the average
consumer might shy away from it despite of the benefits. The difficulties in
marketing and formulating an economically viable policy might be at first
difficult, but the potential rewards seems too irresistible to ignore.
