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Tuesday, August 26, 2014

Taking out insurance for fantasy players is going a bit too far

George Scione

Quick question. Did your insurance premiums go up in the last year?

No, not car, health or dental. Well, technically I guess it would be considered health insurance. ...

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Quick question. Did your insurance premiums go up in the last year?

No, not car, health or dental. Well, technically I guess it would be considered health insurance.

If you drafted Wes Welker – who recently suffered his third concussion in 10 months – or Rob Gronkowski – who has suffered everything from a bum hip and busted ankle to a broken forearm and torn ACL/MCL in the last three years – you may see the insurance costs soaring.

Hey, the Denver Broncos and New England Patriots took out insurance policies on them. Why shouldn’t you?

Wait, you’re crazy enough to draft an injury-plagued star in your fantasy football league and not take out an insurance policy on them? Seriously?

Actually, not too many people even realize this is an option. Why would any sane person even think about it?

Until an email describing the entire process popped up in the inbox, I sure didn’t know such an option existed.

Now that the secret is out there, if you’re actually looking for real insurance on your fantasy players, please do us all a favor and get fitted for a straight jacket. Then consider the idea of moving into a white-padded room for the rest of your life.

Should those two options be in your future, then Fantasy Player Protect is available through MiniCo Insurance Agency of Phoenix at

Seriously, those greedy insurers are out for every last dime.

Knowing the number of fantasy sports owners out there it was only a matter of time before somebody capitalized on the irrational behavior of fanatics everywhere. According to the Fantasy Sports Trade Association, 41 million people play fantasy sports annually. The overwhelming majority (33 million) participates in fantasy football.

FPP, which is designed to recover costs for owners whose players experience season-ending injuries, even got former Chicago Bears receiver Tom Waddle to narrate its marketing video.

That’s going all out. Or is it all-in, like poker? Either way, fantasy sports are a gamble. Some leagues are just for fun, while others are for hundreds, or even thousands, of dollars.

If you need insurance to protect your fantasy investment, it’s no longer a fun hobby and you may want to rethink even getting involved.

But for the sake of educating the masses, let’s read the fine print: These insurance policies are set up based on the number of games missed. The actual coverage is triggered when a player misses eight or more games of a 14- or 15-week season, and nine or more games of a 16- or 17-week schedule.

Of course in finer print is the exclusionary clause: Sorry fantasy owners in Arkansas, Florida, Iowa, Louisiana, Maryland, New York and Tennessee – this insurance is not available to any of you.

What a shame. All those homers living in the bayou and drafting Drew Brees have no safety net should the New Orleans Saints quarterback be carted off the gridiron.

Then again, despite being available in all the New England states and Colorado, Gronk and Wes are currently not available for coverage as they are still on the mend. So if you did draft them, until they play a regular-season game, insurance is unavailable.

To recover $150 in entry fee and additional costs, Brees was quoted for a $7.50 premium. Should he miss 11 games, you’d receive a check for that $150. Tom Brady’s cheaper at $5.25, while injury-plagued Peyton Manning, of Denver, and Robert Griffin III, of Washington, are the highest QB options at $8.25. The highest premium of any player is Atlanta receiver Julio Jones at $9.25.

Still, I can’t get past the idea of buying real-life insurance for a fantasy player on your make-believe team. Stop the insanity.

Fantasy sports is a fun game between friends. When it becomes a business, or somebody’s latest get-rich-quick scheme, it’s psychological evaluation time.

You do what you’ve got to do. Buy up all the insurance you want. If you ask me, it’s all just money wasted and sanity surrendered.

George Scione can be reached at 594-6520 or gscione@nashua Also, follow Scione on Twitter (@Telegraph_BigG).