yeah things like this are usually more of a publicity stunt than anything else.
my girlfriend's stepdad plays guitar for david lee roth (when eddie van halen is too $#@'d up to tour, which is almost always)
and dave just tells him not to do ANYTHING risky to his hands, one time he broke a pinky doing something dumb like skateboarding or something. nobody "insures" his hands
basically insurance starts with YOURSELF> don't do stupid stuff, don't offer to carry anything for anyone , or try to start a recalcitrant pull-start engine, or get drunk and punch a wall, etc etc etc
failing that, you can buy some orthosis (rehabilitative braces for your hand) and wear them around all day, but you'd look stupid