Holly Madison insured her breasts for $1 million, Ugly Betty’s America Ferrara insured her smile for $10 million, Gene Simmons covered his tongue for £1 million and Tom Jones reportedly had a policy worth $7 million for his CHEST HAIR. But regular people, covered by worker’s compensation, are worth a lot less.According to WorkCover’s body parts estimate is worth $100,000, a big toe $22,000 and a penis $47,000 – if both testicles are included. My power of speech? Sixty thousand.