Fantasy Sports Insurance

This is an idea that is so simple, it's shocking that no one has done it yet. People spend tons of money each year on their fantasy sports leagues... and every year, key players incur injuries that leave the fantasy users with no chance of recouping their costs. Fantasy Sports Insurance insures the top athletes for a certain premium and if they get injured, you get the entire entrance and transaction fees back.

Unfortunately, it seems to me that their insurance policies aren't really helpful. First of all, the cost for every NFL player on their list is the same... whether it be Steven Jackson or Peyton Manning. So collectively, they are trying to group-insure the top 50 players instead of offering a more expensive premium for players that are more suspectible to injury. This is interesting because it definitely makes those players easier to insure... but why would anyone want to insure a player who has no real history of injury?

While the costs aren't too bad (a little over $12 for a fantasy league where you spent $100), that's only if you look at the dollar amount and not the percentage. 12% of your entrance fee IS a lot of money, in my opinion.