New York Mets



New York Mets

New York Mets.svg

The New York Mets are an American professional baseball team based in the New York City borough of Queens. The Mets compete in Major League Baseball(MLB) as a member club of the National League (NL) East division. The Mets are one of two Major League clubs based in New York City; the other is the New York Yankees of the American League East.
One of baseball's first expansion teams, the Mets were founded in 1962 to replace New York's departed NL teams, the Brooklyn Dodgers and the New York Giants. The Mets' colors are composed of the Dodgers' blue and the Giants' orange, which also form the outer two bands of the New York City flag.[1] During the 1962 and 1963 seasons, the Mets played their home games at the Polo Grounds. From 1964 to 2008, the Mets' home ballpark was Shea Stadium. In 2009, they moved into their current ballpark, Citi Field.[1]
In their 1962 inaugural season, the Mets posted a record of 40–120, the worst regular season record since MLB went to a 162-game schedule (two games were canceled). The team never finished better than second to last until the 1969 "Miracle Mets" beat the Baltimore Orioles in the 1969 World Series in what is considered one of the biggest upsets in World Series history.[5] Since then, they have played in four additional World Series, including a dramatic run in 1973 that ended in a seven-game loss to the Oakland Athletics, a second championship in 1986 over the Boston Red Sox, a Subway Series loss against their cross-town rivals the New York Yankees in 2000,[6] and a five-game loss to the Kansas City Royals in 2015.
The Mets qualified to play in the Major League Baseball postseason in 1988 and 2006, coming within one game of the World Series both years. After near-misses in 2007 and 2008[7], the Mets made the playoffs in 2015 for the first time in nine years, and won their first NL pennant in 15 years. The team again returned to the playoffs in 2016, this time with a wild card berth. This was the team's second back-to-back playoff appearance, the first occurring during the 1999 and 2000 seasons.
As of the end of the 2018 MLB season, the Mets overall win-loss record is 4362–4732, good for a .480 win percentage.

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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