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Football insurers continue to get out of the market...


row_33

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1 hour ago, row_33 said:

 

that's kind of blase about $20billion, it's all leveraged to the hilt....

 

 

nobody will insure it down the road

 

it will wipe out football below the pro level without insurance

 

 

Don’t buy it. Organized leagues will simply get better at protecting from liability.  Despite the recent attention many sports have risk. 

 

 https://www.activekids.com/cheerleading/articles/cheerleading-the-most-dangerous-sport

 

good news is a century from now all sports partipcation May just be played through virtual reality in your hologram room from the hover couch. 

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2 hours ago, Buffalo Barbarian said:

Thats because insurance agency's are nothing but crooks. All they want is to take your money and then not cover what they are supposed to . Nothing but legalized extortion forced on us by our worthless government.

 

 

 

Hmmm.  State Farm is the largest insurance company, and they're mutually owned (meaning owned by customers to buy their policies).   They employ about 70,000 Americans and have almost never had layoffs in their history.   The majority of insurance companies are publicly owned, so if you want you could buy shares and own them

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3 hours ago, row_33 said:

 

in the late 70s high schools in Ontario were put in the grind over helmet insurance, the concern was for spinal cord injuries back then, how little we knew what was coming.

 

in addition the school bus insurance skyrocketed, remember a beat up old bus for high school sports (and driving the elderly to church on Sunday)

 

A good read, something to file away as it looms larger.

 

A pro athlete is an employee and if they played one game in the state of California they are entitled to a lot of workers comp options....

 

 

 

 

 

 

No longer.That changed in California in 2013..

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2 hours ago, row_33 said:

 

 

 

We all say that, and everyone has known smoking is hazardous to one's health (officially announced in the early 1960s), but when people get sick they sue everyone they can shake a stick at.

 

 

The reason why the tobacco companies were successfully sued is because they injected their product with hyper amounts of nicotine. They were, essentially, nicotine delivery systems. It wasn’t just the natural tobacco. That is why they were successfully sued. It was deemed, and appropriately so, that they duped and mislead  the public. It’s a different animal from the football issue

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26 minutes ago, Mojo44 said:

The reason why the tobacco companies were successfully sued is because they injected their product with hyper amounts of nicotine. They were, essentially, nicotine delivery systems. It wasn’t just the natural tobacco. That is why they were successfully sued. It was deemed, and appropriately so, that they duped and mislead  the public. It’s a different animal from the football issue

 

 

weasel stuff

 

people knew it was killing them the whole time and still continue smoking to this day

 

 

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3 hours ago, Buffalo Barbarian said:

Thats because insurance agency's are nothing but crooks. All they want is to take your money and then not cover what they are supposed to . Nothing but legalized extortion forced on us by our worthless government.

 

 

BAM! Tell it Baby! I could go on but you have summed it up nicely!

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7 minutes ago, row_33 said:

 

 

weasel stuff

 

people knew it was killing them the whole time and still continue smoking to this day

 

 

Plain and simple you are dead wrong. The history is clear. But you are entitled to your own opinion. But not to your own facts.

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9 minutes ago, Mojo44 said:

Plain and simple you are dead wrong. The history is clear. But you are entitled to your own opinion. But not to your own facts.

 

 

i don't recognize your self-appointment to dictate facts to people, or to be a troll like that.

 

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1 hour ago, NoHuddleKelly12 said:

Oh don't get me wrong--many attorneys will make a boatload of cash over many years along the way to iron out the contractual niceties this would take, and as for denial of liability, well, that's usually the first insurance defense mechanism to pursue regardless of which insurer you want to reference--how would it be that much different?  

You get a BAM! Too, just like Barbarian. Rave on brother 

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2 minutes ago, row_33 said:

 

 

i don't recognize your self-appointment to dictate facts to people, or to be a troll like that.

 

Not a troll, I have been here for years. Your recognition is inconsequential to me. We disagree, deal with it. Have a nice day. You can have the last word. Just stating the facts. Look it up

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1 hour ago, row_33 said:

 

thanks for your input, much appreciated, bears keeping an eye on over the next few years

 

friends think football will go the way of boxing and horse racing over the next decade

 

It is going to take longer than a decade, but there be changes. Boxing is making a modest comeback and MMA is huge. Men and some women are always going to want to hit somebody. And there are always going to be people who enjoy watching. So between the cash, the need, and the desire Football will be around for awhile. Jerry, Kraft and Pegs ain’t lettin’ this cash cow lose that much. 

I do see the other side of the equation though. My sons don’t play and don’t care a bit about football. They are part of the generation that has lots of options in which they choose to participate. 

The struggle continues.....

1 hour ago, row_33 said:

 

 

hmmmm... maybe a disappearance of actually watching sporting events for 3-4 hours at a clip?

 

just put robots out there so people can play with their iPhones non-stop at the game and make a bet every 10 seconds?

 

soccer is a drag mostly, you can't force a superior team to care out there is they don't feel like it for 75 minutes

 

 

 

 

 

 

Soccer is a drag?

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It comes down to money. The idea that an insurance company can make someone whole is ludicrous. The better question is what we can do to make the game safer? As a country we have a vested interest to make every sport safer. Injuries are a natural occurrence but there are steps we can take to improve player safety. 

 

Its well documented your brain isn’t done developing until your early 20s. You’d hate to see this, but perhaps it’s time to eliminate contact football until age 16. For all football players have them not play anything besides touch until 16. This would allow most sophomores and up on JV or varsity the chance to play 1-3 seasons of contact football. 

 

One radical idea is to allow two hand touch to “tackle” defenseless receivers. This would elimate a lot of the 50/50 big hits over the middle of the field. Eliminating the use of hands to any helmet also enchances safety.

 

As for new technology one idea would be to eliminate the movement of the head by locking the neck into position with the upper body, thereby eliminating rotational forces which greatly increase concussions. 

 

Last there have been experiments with new helmets such as an exterior padded helmet with a harden underlayer followed by another soft layer. Making the helmets & shoulder pads softer would reduce the intensity of each collision. 

 

Finally nothing can be done to completely eliminate concussions & CTE, but new rules & technology can reduce the frequency and severity of injuries. 

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4 hours ago, row_33 said:

 

there will be nobody to insure players for brain injuries

 

especially for 30 years down the road

 

 

 

 

What about MMA? How can this even exist? In 10 years there is going to be an entire species of dangerous, brain damaged people from taking elbows to the head, and everything else they do.

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28 minutes ago, iinii said:

Soccer is a drag?

 

yeah, full bore

 

it won't catch on here except in small pockets of fans and a fake interest in the sport during the World Cup.

 

 

 

 

 

Edited by row_33
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4 hours ago, papazoid said:

self insure

 

hold harmless clauses

 

...the NFLPA would NEVER allow player hold harmless clauses in the CBA.....secondly, I doubt individual states (WC policies written by state by payroll exposure in that state) would allow it....rates are based on classification risk and actuarial data.....so a roofer, steel worker or asbestos worker as examples, are at a much hire risk than a secretary which is reflected in classification rates.....NO state would ever permit coverage to be precluded by forcing an asbestos worker to sign a hold harmless clause.....

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1 hour ago, oldmanfan said:

Good topic.  Some here are focused on the pro teams but the key issue is high schools.  If they can't get insurance then the pipeline to college ball dries up, and thus to the pros.

There are still a bunch of school programs that cover football. It is certainly an expense for the schools to insure football (cheerleading and soccer). I don’t see a situation where it disappears, there will just be less companies writing it which will raise premiums. 

35 minutes ago, BuffaloBill said:

The real risk to the future of football is parents saying they do not want their kids to play the sport.  The risks to kids are undeniable.

This is the wild card. 

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1 hour ago, row_33 said:

 

yeah, full bore

 

it won't catch on here except in small pockets of fans and a fake interest in the sport during the World Cup.

 

 

 

 

 

It will never be like it is in the rest of the world due to the competition but I don’t think it is boring at all and growing pockets as you say don’t either. Big things are happening in Atlanta with the game. People like Little Wayne and other super stars’ kids are all in. That will have a very positive effect commercially and a sign of change. I Can’t wait to see Messi at Camp Nou! Which is why they make chocolate and vanilla?

3 minutes ago, Kirby Jackson said:

 

This is the wild card. 

I believe it is more than a wild card. It guarantees a shrinking pool of potential athletes and fans.

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