"The idea is pretty simple.
If any of the stipulated top 50 players go down for a significant part of the season, and you've paid for their insurance, Fantasy Sports Insurance will pay your entry fee back.
In order to collect, you have to select a player (one policy allows you to group three players), pay the insurance –- roughly 10 percent of your entry fee -– and watch that player miss roughly two-thirds of the games with an injury."
I can certainly see getting insurance on your first round draft choice of Steven Jackson, Brian Westbrook, or Joseph Addai.
Some of you may call it a sucker bet. However, I recall from my league's draft last season, 14 of the first 24 players selected (1st and 2nd rounds) missed at least one game due to an injury.