As long as I can lift a keg I will be fine
My brother broke a collar bone when we were kids, he managed to break a leg and the other collar bone last month jumping 3 feet down off a house boat into a mud flat. He just landed wrong I guess. These things always seem to happen at the oddest times without any explaination. I bet if he did that jump 1000 more times he wouldn't get so much as a bump or bruise.
I insure everything because I know the second I am over confident and let slip is when something bad will happen. Maybe I am just bitter, cynical and jaded but life seems to work like that most of the time.