They actually offer insurance for fantasy football owners if their player gets hurt....check it out
http://online.wsj.com/article/SB1000142405...eTabs%3Darticle

I saw this yesterday..incredible.. funny thing is i came up with this idea for our league last year called an Insurance Pot..everyone throws in $10-$20, whatever makes sense for your league..and you get say 7 pts for every game your drafted 1st rounder misses, 6 pts for every game your 2nd rounder drafted misses, 5 for third rounder ect.. whoever has the most insurance points at the end of the season wins the pot..just to add something different to the year..guys didnt' go for it though! going to try again this year..

this just shows how big of a business fantasy fball has become...

it really does..

So...this increases Steven Jackson's ADP??

so say your first rounder goes down and you bought insurance....do you get to put another player in that open position? And so you would receive the insurance points + the replacement players points?