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buddahj
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has anyone seen this??? i just noticed on my fanball site that your can buy insurance for players on my team. i haven't found out how much it is or who can be covered but don't you think this a getting a little out of hand. injuries are a part of the game...isn't that why we draft backups.

Edited by buddahj
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An insurance company in Long Island is offering insurance on your fantasy football season. And we can’t say we here at “SportsBiz” are too surprised.

 

The Web site for Fantasy Sports Insurance Inc. quotes my article from last year when it was estimated that Tom Brady’s injury could have shifted $150 million in fantasy winnings.

 

The idea is pretty simple.

 

If any of the stipulated top 50 players go down for a significant part of the season, and you’ve paid for their insurance, Fantasy Sports Insurance will pay your entry fee back.

 

In order to collect, you have to select a player (one policy allows you to group three players), pay the insurance –- roughly 10 percent of your entry fee -– and watch that player miss roughly two-thirds of the games with an injury.

 

I think some leagues might insist on staying away from this idea, as some might argue that it takes the fun out of a horrible injury. After all, everyone was laughing at the guy who took Brady last year. If he had insurance, the joke wouldn’t be as good.

 

But Henry Olszewski, who is one of the two brokers who dreamed up the idea, said that some leagues are requiring fantasy players to buy insurance. Why?

 

“The nightmare scenario is the guy who loses his player and either starts trading away his team or sits idle,” Olszewski said. “That affects the entire league. If that guy has insurance, he’s playing with the house money and that guy has more motivation to see what he can do to be competitive.”

 

Olszewski said that the brokerage, whose policies are underwritten by Lloyd’s of London, has sold close to 400 policies so far and that they expect business to pick up over the next week.

 

What about players who can't be insured, either because they are not in the top 50 or they are viewed as an injury risk? That list includes Ben Roethlisberger, Fred Taylor, Torry Holt, Brett Favre, Matt Cassel and Chad Ochocinco.

 

Questions? SportsBiz@cnbc.com

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But Henry Olszewski, who is one of the two brokers who dreamed up the idea, said that some leagues are requiring fantasy players to buy insurance. Why?

 

“The nightmare scenario is the guy who loses his player and either starts trading away his team or sits idle,” Olszewski said. “That affects the entire league. If that guy has insurance, he’s playing with the house money and that guy has more motivation to see what he can do to be competitive.”

 

I call bs on this. This dude is just trying to drum up business. Could you imagine being in a league that required you to buy insurance? i mean, get real. Not only that, i don't see how that would impact how you played out the season. You've still got the same team.

Edited by Jackass
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And the wheels in my head turn round and round, round and round, round and round.

 

 

 

Ok, for a $10 investment, I can recover 100 back for league fee and Websites I subscribe too. Why not just select S Jackson, B Westbrook, and Kurt Warner. The odds have to be pretty good those 3 combined could miss 18 total games, in 15 weeks.

 

I think Id pay 10 bucks to gain 100. Isnt this just another form of gambling.

 

 

 

 

 

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Edited by Dallas Sooners
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No joke, after copying and pasting here, which you cant read on their site. They basically allow themselves out of every claim with the bold highlights I pointed out above. Not to mention they claim they can discontinue at any time for any reason. So basically if a player gets hurt before the season starts, he can be deemed ineligible to pay out.

 

 

This sounds more like a scam. And I thought it might be worth gambling by picking certain players getting hurt to collect 10 times the amount paid. Instead its, pay us, and we will deny your claim if we can. Oh and we keep your payment, regardless. Thanks for subscribing

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We reserve the right to make changes to our site and these disclaimers, terms, and conditions at any time with or without notice to its users.

 

Well, there it is. This whole thing has no value other than what people pay to them. They can change the terms so that they have no obligation to anyone at any time.

 

Courts may see it differently, as they are being unjustly enriched and that they have breached contract by withdrawing their consideration in the contract if they were to modify the terms, but you'd have to get them into court - which most probably isn't worth the fees/time to do so.

 

In other words, they are hoping that they can prove PT Barnum correct yet again.

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