Monday, August 19, 2013

Risqué Sexual Activity Risk Insurance

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.