Insurance incase you meet the Loch Ness Monster

I know this is off topic but this is just tooooooo weird.Sky News is reporting that NIG (The National Insurance and Guarantee Corporation Ltd) are insuring athletes competing in an international triathlon up to £1m in case they fall prey to the Loch Ness monster. If you dont know what the Loch Ness Monster (Nessie) is it along the line of Bigfoot and Yeti, and resembles a Plesiosaurus dinosaurAlong with Alien Abduction Insurance are we just going mad