Each year, millions enter fantasy football season with cautious optimism, competing with friends, family, and coworkers for bragging rights. There is a certain giddiness associated with playing imaginary coach or general manager, and that seems sufficient to compel people to shell out cold, hard cash to participate in any given league.

What could possibly put a damper on the experience? A twist of the knee, according to Tom Brady’s fantasy owners last year. But what’s a faux manager to do when his or her prized player suffers a season-ending injury? Well, fantasy football players can try something real: an insurance policy.

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