Kansas City Royals


Kansas City Royals


Kansas City Royals.svg 

The Kansas City Royals are an American professional baseball team based in Kansas City, Missouri. The Royals compete in Major League Baseball (MLB) as a member team of the American League (AL) Central division. The team was founded as an expansion franchise in 1969, and has participated in four World Series, winning in 1985 and 2015, and losing in 1980 and 2014.
The name Royals pays homage to the American Royal, a livestock show, horse show, rodeo, and championship barbeque competition held annually in Kansas City since 1899[3] as well as the identical names of two former negro league baseball teams that played in the first half of the 20th century (one a semi-pro team based in Kansas City in the 1910s and 1920s that toured the Midwest[4] and a California Winter League team based in Los Angeles in the 1940s that was managed by Chet Brewer and included Satchel Paige[5][6] and Jackie Robinson[7] on its roster).[8] The Los Angeles team had personnel connections to the Monarchs but could not use the Monarchs name. The name also fits into something of a theme for other professional sports franchises in the city, including the Kansas City Chiefs of the NFL, the former Kansas City Kings of the NBA, and the former Kansas City Monarchs of the Negro National League.
In 1968, the team held a name-the-team contest that received more than 17,000 entries. Sanford Porte, a bridge engineer from the suburb of Overland Park, Kansas was named the winner for his “Royals” entry. His reason had nothing to do with royalty. “Kansas City’s new baseball team should be called the Royals because of Missouri’s billion-dollar livestock income, Kansas City’s position as the nation’s leading stocker and feeder market and the nationally known American Royal parade and pageant,” Porte wrote. The team's board voted 6-1 on the name, with the only opposition coming from team owner Ewing Kauffman, who eventually changed his vote and said the name had grown on him.[9]
Entering the American League in 1969 along with the Seattle Pilots, the club was founded by Kansas City businessman Ewing Kauffman. The franchise was established following the actions of Stuart Symington, then-United States Senator from Missouri, who demanded a new franchise for the city after the Athletics(Kansas City's previous major league team that played from 1955 to 1967) moved to Oakland, California in 1968. Since April 10, 1973, the Royals have played at Kauffman Stadium, formerly known as Royals Stadium.
The new team quickly became a powerhouse, appearing in the playoffs seven times from 1976 to 1985, winning one World Series championship and another AL pennant, led by stars such as Amos OtisHal McRaeJohn MayberryGeorge BrettFrank WhiteWillie Wilson, and Bret Saberhagen. The team remained competitive throughout the early 1990s, but then had only one winning season from 1995 to 2012. For 28 consecutive seasons (1986–2013), the Royals did not qualify to play in the MLB postseason, one of the longest postseason droughts during baseball's current wild-card era. The team broke this streak in 2014 by securing the franchise's first wild card berth and advancing to the World Series. The Royals followed this up by winning the team's first Central Division title in 2015and defeating the New York Mets for their first World Series title in 30 years.

Insurance policies in sport

Insuring against the risks involved in sports has arguably never been more important. The amount of money now at stake, the scale and sophistication of tournaments, and the global geo-political landscape have all helped elevate risk levels.  
Take event organisation. All eyes were on the French authorities for the recent European Football Championships. Terrorism deterrence and response was a key issue before the tournament in light of recent terror attacks in Paris and Brussels. The U.S. went so far as to issue a formal travel warning to it citizens.1 Stakeholders will have had to review their insurance cover and wider risk management strategies (especially in light of the fact that terrorism is an often excluded risk). In the end, it was not terrorism but hooliganism that caught the headlines. This in itself could have had significant insurance repercussions for those who suffered loss, depending on whether or not specific insurance policies 1) existed, and 2) provided cover for loss suffered as a result of riots, civil unrest, vandalism, or hooliganism.
Then there are the risks facing teams and individual athletes. There were numerous reports of athletes such as Jessica Ennis-Hill, Andy Murray and Rory McIlroy consulting experts about the risks of the Zika virus in Brazil for Rio 2016.2 Rory McIlroy decided that it was a risk that he was unwilling to take.3 What would have happened if the Olympics had been postponed, or if something happened resulted in the cancellation of part or the entire event? That risk needed to be appropriately managed.
Risk managers, clubs, athletes, governing bodies and event organisers (amongst others) should all be seriously considering risk management day-to-day, and it ought to be an integral part of any individual or team’s commercial toolbox. This article explores some of the most common sports-related insurance policies that are available today and the legal issues involved in their effective deployment. 

CAREER ENDING INSURANCE

Sometimes, despite talent, athletes are prevented from fulfilling their potential due to career-ending injuries. Specific policies are available to cover athletes for loss of current and future potential earnings following an injury although they are often found within personal accident policies. Often the policy will provide sportspeople with a lump sum (tax-free) and can also include potential earnings from commercial sponsorships/ endorsements.
Fabrice Muamba memorably collapsed whilst playing for Bolton versus Tottenham Hotspur in 2012. Muamba was reportedly on c. £35,000 per week and was only 23 when his career was ended. Muamba did have insurance although the details are confidential. We do not know whether Muamba had a policy that paid a lump sum for lost potential earnings, but the potential total figure could have been huge. By way of illustration, if Muamba had stayed on £35,000 per week (it would likely have increased) for another ten years, he would have earned at least £18.2m before tax.
Another notable example involves Steve Thompson (the retired England Rugby World Cup winning hooker). Thompson suffered what he thought was a career ending injury after damagin his neck playing for Northampton Saints. Thompson famously returned to the sport later that year after surgery and being passed fit to play. Thompson had received a significant pay-out from his insurers which he had to pay back before he could return to the sport. The policies should explicitly state that the athlete will not be able to compete professionally in the sport after they have made a claim. Thompson retired in 2011 after a recurrence of the original injury, and the details of a second insurance pay-out (if any) are unknown.

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