Super Bowl 2013 Sign Language Guy -- I GOT HAND INSURANCE

Super Bowl sign language guy tells TMZ, his hands are JUST LIKE Dolly Parton's boobs ... J. Lo's butt ... or Tom Jones' chest hair -- so valuable they need their own freakin' insurance policy ... but there's a lot more to sign language than just hands.

John Maucere -- who signed "America the Beautiful" and the national anthem at the big game -- was out in L.A. yesterday with his interpreter when we asked how important it is to take care of your hands as a professional sign language-er.

John raised his hands, joking, "I have insurance."

He added, "Hands are important, but you should know American Sign Language isn't specific just for hands ... There's a lot happening on my face, with my mouth, with my body, the emotions, everything. That makes the entire language."

John also answers the ultimate question -- if he had to choose ... which finger would he chop off???