BuzzerBeater Forums

MAIN IDEIA: it's bad to have injured players ... but it's worse to have injured and still have to pay them wages .

COST: sports insurance for work accidents, think a rate between 3% to 5%, focus on the volume of weekly players wages, will be ideal. The insurance weekly cost will be, in most teams, perfectly bearable.

MORE OPTIONS: as in scouting can have various levels of investment, this also can have various levels of coverage. Maybe something like this:
Op 1 - (NONE) - No Insurance;
Op 2 - LOW COST - a lower rate (1% or 2%) ensures the salary from the 2nd week of stopping. Players with one week injuries does not give any compensation;
Op 3 - NORMAL - ensuring the salary for the period of the injury;
Op 4 - VIP - higher rate (perhaps 10%) to ensure, in addition to salary, extra compensation set by the player's wage and also if he's in NT. If you have a NT player that can not play for the national team you will have a loss in merchandising . This compensation may be 10% (and plus 10% - total 20% - if is a NT player) of the player's wage in question.

I like the idea!

Great idea !

Hope to see BB give it a trial in season 27, and implement this system in season 28 ...

This is way better than that (to put it mildly) idiotic idea of the "The Game-Day Preparation Feature".

Just sayin'....

I like the insurance concept. But insurance companies in real life price insurance to make a profit. I believe the cost of insurance is priced to spread the likelihood of a loss across the periods that the loss is likely to happen. In other words, if a team were to always buy insurance every year, they'd be losing money across all years combined by buying insurance compared to the amount of money recovered from insurance claim payouts.

I'm not saying it has to work that way in BB. But I think any insurance system in BB that was a guaranteed way to make money over the long term would be an odd 'insurance' concept.

I think the odds of sustaining a multi week injury is much larger than 1%.

I like the insurance concept. But insurance companies in real life price insurance to make a profit. I believe the cost of insurance is priced to spread the likelihood of a loss across the periods that the loss is likely to happen. In other words, if a team were to always buy insurance every year, they'd be losing money across all years combined by buying insurance compared to the amount of money recovered from insurance claim payouts.

So logically, nobody should buy such insurance therefore it shouldn't be implemented to the game.

I'm not saying it has to work that way in BB. But I think any insurance system in BB that was a guaranteed way to make money over the long term would be an odd 'insurance' concept.

Basically, you are asking for free money to the managers.

Yes, GM-Manon correctly deciphered my gibberish.