New York Yankees third baseman Alex Rodriguez–in year two of a 10-year, $275 million contract that could pay as much as $305 million with bonuses–sent a scare through the organization and the sports contract insurance market when it was announced in March that “A-Rod” would need surgery on his hip, costing him at least one-quarter of the baseball season.

While the injury is not expected to affect Mr. Rodriguez long term, what if the injury had been worse? What if the most expensive player in baseball was forced to miss half of the season, or all of the games? Even worse, what if, in the second year of a decade-long contract, A-Rod suffered a catastrophic injury that ended his baseball career?

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