Miami Marlins


Miami Marlins

Marlins team logo.svg

The Miami Marlins are an American professional baseball team based in MiamiFlorida. They compete in Major League Baseball (MLB) as a member club of the National League (NL) East division. Their home park is Marlins Park. Though one of only two MLB franchises to have never won a division title (the other is the Colorado Rockies), the Marlins have won two World Series championships as a wild card team.
The team began play as an expansion team in the 1993 season as the Florida Marlins and played home games from their inaugural season to the 2012 season at what was originally called Joe Robbie Stadium, which they shared with the Miami Dolphins of the National Football League (NFL). Since the 2012 season, they have played at Marlins Park in downtown Miami, on the site of the former Orange Bowl. The new park, unlike their previous home (which was criticized in its baseball configuration for poor sight lines in some locations), was designed foremost as a baseball park.[5][6] Per an agreement with the city and Miami-Dade County (which owns the park), the Marlins officially changed their name to the "Miami Marlins" on November 11, 2011.[7] They also adopted a new logo, color scheme, and uniforms.[8][9]
The Marlins have the distinction of winning a World Series championship in both seasons they qualified for the postseason, doing so in 1997 and 2003—both times as the National League wild card team. They defeated the American League (AL) champion Cleveland Indians in the 1997 World Series, with shortstop Édgar Rentería driving in second baseman Craig Counsell for the series-clinching run in the 11th inning of the seventh and deciding game. In the 2003 seasonmanagerJeff Torborg was fired after 38 games. The Marlins were in last place in the NL East with a 16–22 record at the time. Torborg's successor, 72-year-old Jack McKeon, led them to the NL wild card berth in the postseason; they defeated the New York Yankees four games to two in the 2003 World Series.

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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