Do the Marvel and DC Universes Have Superhero Insurance?
The Blind Eternities forum
Posted on July 12, 2021, 7:37 a.m. by DemonDragonJ
Now that Marvel and DC superheroes both have mainstream popularity, people have been asking questions about lesser aspects of those universes, and one element that particularity interests me is how the actions of superheroes and supervillains affect ordinary people in those universes.
Specifically, I wonder if those universes have insurance to cover damage caused during the battles between superheroes and supervillains; imagine how it would be from the perspective of an ordinary citizen, to have their vehicle or building damaged by a superpowered being while they are simply minding their own business. Surely, those universes must have adapted by having insurance policies to cover damages caused by superbeings?
What does everyone else say about this? Do the Marvel and DC universes have superhero insurance?
Omniscience_is_life says... #3
If cities indeed had "superhero insurance", any ones that were affected by the supremely destructive battles of Infinity War and Endgame would now be VERY in debt. My guess is that city officials would do their best to keep such laws out of their areas of jurisdiction--for fear of local bankruptcy.
July 12, 2021 12:59 p.m.
Wasn't that part of the Infinity War story? Who is responsible for the damages caused?
July 12, 2021 3:39 p.m.
Omniscience_is_life says... #5
legendofa I don’t remember that part... that is almost evidence in the favor of it having happened, but who knows
July 12, 2021 5:55 p.m.
Omniscience_is_life It's been a while, and the details are getting a little fuzzy for me. As I remember, part of the pro-registration argument was to keep superheroes liable for damages caused.
https://marvel.fandom.com/wiki/Superhuman_Registration_Act has the comic version, while https://marvelcinematicuniverse.fandom.com/wiki/Sokovia_Accords has the MCU version.
I don't see anything specific about insurance or liability, but the intention is clearly present.
July 12, 2021 6:18 p.m.
RNR_Gaming says... #7
They sort of go over this in "the boys" but that's not marvel or DC it's a parody of those universes but gives some interesting perspectives. MHA kind of touches on that aspect of hero work too - saving people while limiting collateral damage is a big reason Hawks is the #2 hero in that universe. Fast and efficient. Most heros keep their identity secret so even if they're liable good luck locating them and if its someone with similar powers to superman good luck making them pay up lol.
Caerwyn says... #2
Almost certainly - likely as a standard part of the policy. Insurance rates would probably be heavily-dependant on zip code. New York, LA, D.C., London, and a few others are going to have much higher insurance rates than rural or suburban areas; likely higher rates than cities like Chicago or Portland, where attacks are unheard of.
Personally, I’m hoping the upcoming She-Hulk show has some fun segments about the effects of superheroes in the legal system (she’s an attorney). They could probably have some fun with that, in a way that would lend itself to television more than a film.
July 12, 2021 9:15 a.m.