San Francisco Giants


San Francisco Giants

San Francisco Giants Logo.svg

The San Francisco Giants are an American professional baseball team based in San Francisco, California. Founded in 1883 as the New York Gothams, and renamed three years later the New York Giants, the team eventually moved to San Francisco in 1958. The Giants compete in Major League Baseball (MLB) as a member club of the National League (NL) West division.
As one of the longest-established and most successful professional baseball teams, the franchise has won the most games of any team in the history of American baseball.[5] The team was the first major league team based in New York City, most memorably playing at the legendary Polo Grounds. They have won 23 NL pennants and have played in 20 World Series competitions – both NL records. The Giants' eight World Series championships rank second in the National League and fifth overall (the New York Yankees are first with 27, then the St. Louis Cardinals (the National League record-holders) with 11, and the Oakland Athletics and the Boston Red Sox both with 9). The Giants have played in the World Series 20 times – 14 times in New York, six in San Francisco – but boycotted the event in 1904.
Playing as the New York Giants, they won 14 pennants and five World Series championships behind managers such as John McGraw and Bill Terry and players such as Christy MathewsonCarl HubbellMel OttBobby Thomson, and Willie Mays. The Giants' franchise has the most Hall of Fame players in all of professional baseball.[6] The Giants' rivalry with the Dodgers is one of the longest-standing and biggest rivalries in American sports.[7][8] The teams began their rivalry as the New York Giants and Brooklyn Dodgers, respectively, before both franchises moved west for the 1958 season.
The Giants have won six pennants and three World Series championships since arriving in San Francisco. Those three championships have come in 20102012, and most recently in 2014, having defeated the Kansas City Royals four games to three during the 2014 World Series.[9][10]
The Giants are the only major professional sports team based in the City and County of San Francisco, following the San Francisco 49ers' relocation to Santa Clarain 2014. They will be joined by the Golden State Warriors once they move to the Chase Center in 2019.

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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