Quote:
Originally Posted by sureLoss
Insurance isn't free. It is an added cost to a business and while insurance might cover the salary of a player, it doesn't cover the loss of revenues that a team can lose by not reaching the playoffs or an early exit in the playoffs.
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Not to mention car accidents and the other examples may be covered in the insurance policy, but I'd be willing to bet playing hockey for anyone other than the NHL isn't covered, and if it is it has to be agreed upon for an added charge.
IIRC both Niedermayer's had a clause that allowed them to ski during the season, and I assume the insurance went up for that.
Look at personal life insurance policies for example, they don't cover any "adventure sports" which is usually as adventurous as anything outside of walking on the bike paths.
I'd be amazed if a player's insurance covers much more than anything hockey related and a very limited and specific scope while not on the ice.