By Ken Reed
I’ve written in the past that what might ultimately take down high school football is insurers’ refusal to take on the risks associated with the sport. The premiums to cover high school football might rise so high after a few concussion-related lawsuits that schools and school districts simply won’t be able to afford insurance coverage for football. Similarly, family healthcare plans might eventually exclude injuries suffered by children while participating in football.
Inevitably, the growing mound of brain trauma and concussion research will lead to lawsuits at all levels of the game. Football-related risk and liability will be hard to contain for school districts and their insurers. And, when risk and liability can’t be contained, insurance premium costs will shoot up, making the sponsoring of football cost prohibitive for high schools.
This theory gained some credibility recently when Haruki Nakamura, a former NFL defensive back for the Baltimore Ravens and Carolina Panthers, sued Lloyd’s of London to force it to honor a $1 million disability policy the company sold him.
Now, granted, personal disability insurance for an NFL player is different than catastrophic accident insurance policies carried by schools and/or school districts. But the implications of concussion lawsuits for insurers is clear.
In a New York Times article on Nakamura’s lawsuit, Ken Belson wrote:
“The increasing awareness of the problems associated with severe head trauma could lead more players who suffer brain injuries to file claims, but it could also prompt insurers to increase the cost of their policies, or even exclude concussions from the coverage.”
Lawyers are certainly cognizant of the situation.
“There is an awareness that is so far from what existed even five years ago,” said Joshua Gold, a lawyer who specializes in insurance recovery cases. “It must be frightening for underwriters who take on these risks.”
The issue must also be frightening for the schools, school districts and state high school athletics associations that sponsor football.
— Ken Reed, Sports Policy Director, League of Fans
Sports Forum Podcast
Episode #29 – League of Fans’ Sports Forum podcast: The Honorable Tom McMillen Visits League of Fans’ Sports Forum – McMillen is a former All-American basketball player, Olympian, Rhodes Scholar and U.S. Congressman, and has a long involvement with the President’s Council on Physical Fitness and Sport (now called the President’s Council on Fitness, Sports and Nutrition). We discuss the state of college athletics today, given the pressures of NIL, the transfer portal, sports gambling and huge media contracts. McMillen then provides great perspective on the poor state of physical fitness our young people are experiencing today.
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Episode #28 – League of Fans’ Sports Forum podcast: A Chat With Mano Watsa, a Leading Basketball and Life Educator – Watsa is President of PGC Basketball, the largest education basketball camp in the world. We discuss problems in youth sports today.
Episode #27 – League of Fans’ Sports Forum podcast: Kids’ Sports: How We Can Take Back the Game and Restore Quality Family Time In the Process – Linda Flanagan is author of “Take Back the Game: How Money and Mania Are Ruining Kids’ Sports and Why It Matters.” We discuss how commercialized and professionalized youth sports are hurting kids and their families.
Episode #26 – League of Fans’ Sports Forum podcast: How Can We Fix Youth Sports? – John O’Sullivan is Founder and CEO of Changing the Game Project and author of “Changing the Game: The Parents Guide to Raising Happy, High Performing Athletes and Giving Youth Sports Back to Our Kids.”
Episode #25 – League of Fans’ Sports Forum podcast: Physical Education Should Be a Critical Component of K-12 School Design – Michael Horn is co-founder of the Clayton Christensen Institute for Disruptive Innovation.
Episode #24 – League of Fans’ Sports Forum podcast: Mental Health and Athletes: Ending the Stigma – Nathan Braaten and Taylor Ricci are the founders of Dam Worth It, a non-profit created to end the stigma around mental health at colleges and universities through sport, storytelling, and community creation.
Media"How We Can Save Sports" author Ken Reed appears on Fox & Friends to explain how there's "too much adult in youth sports."
Ken Reed appears on Mornings with Gail from KFKA Radio in Colorado to discuss bad parenting in youth athletics.
“Should College Athletes Be Paid?” Ken Reed on The Morning Show from Wisconsin Public Radio
Ken Reed appears on KGNU Community Radio in Colorado (at 02:30) to discuss equality in sports and Title IX.
Ken Reed appears on the Ralph Nader Radio Hour (at 38:35) to discuss his book The Sports Reformers: Working to Make the World of Sports a Better Place, and to talk about some current sports issues.
- Reed Appears on Ralph Nader Radio Hour League of Fans’ sports policy director, Ken Reed, Ralph Nader and the New York Times’ Tyler Kepner discussed a variety of sports issues on Nader’s radio show as well as Reed’s updated book, How We Can Save Sports: A Game Plan. Reed's book was released in paperback in February, and has a new introduction and several updated sections.
League of Fans is a sports reform project founded by Ralph Nader to fight for the higher principles of justice, fair play, equal opportunity and civil rights in sports; and to encourage safety and civic responsibility in sports industry and culture.
Vanderbilt Sport & Society - On The Ball with Andrew Maraniss with guest Ken Reed, Sports Policy Director for League of Fans and author of How We Can Save Sports: A Game Plan
Sports & Torts – Ken Reed, Sports Policy Director, League of Fans – at the American Museum of Tort Law
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