There's a certain amount of risk getting out of bed in the morning.
Your insurance salesman has a rider on your homeowners policy, I'm sure.
I remember when the little leaguers started wearing the heart guard body armor because of one or a few incidents with line drives to the chest. By the time my kids were playing, I think I saw one little boy with overprotective parents wearing one. You still see facemask helmets, but fortunately, folks realized that all the protection the world on the ball field was an overreaction.