By Ryan Mayer

Football is a brutal sport. We’ve come to understand just how brutal more and more in recent years and with that has come a recognition, especially among top college players, that their careers could be derailed with just one hit. That realization has lead many of these athletes to seek out “loss of value” insurance policies to protect them in the event that an injury causes their draft stock to drop.

Two notable examples from this year’s draft are Dallas Cowboys LB Jaylon Smith and Jacksonville Jaguars LB Myles Jack. Both players were at one time expected to be taken in the Top 10, possible Top 5 of the draft and due to knee injuries suffered in their final college seasons, fell instead to the second round. Both players had insurance policies, but only Smith is expected to cash in because Jack’s policy only kicked in if he slipped to the 45th pick. He was taken by the Jaguars 36th overall.

Now that this year’s draft is over, we look ahead to next year’s class and one of the top prospects, LSU running back Leonard Fournette, has made sure to attempt to insure his future earnings. According to a report from’s Dennis Dodd, Fournette has two separate policies worth $10 million dollars. The report states that one policy covers “total disability in the event of a career-ending injury” and the other “circumstances that would lead to him falling from his projected NFL draft spot”.

The policies have apparently been taken out by Fournette’s parents. As for the player himself, he told Dodd that he doesn’t think too often about it.

“I don’t think about it,” Fournette told CBS Sports. “This is the second time I’m actually talking about it. I leave everything in God’s hands.”

If you’re curious as to where Fournette is expected to fall in the draft class, draft analyst Mel Kiper has him as the 3rd best prospect heading into the season in his “way too early” mock draft. Fournette enters his junior year at LSU having already rushed for 2,987 yards and 32 touchdowns.

Ryan Mayer is an Associate Producer for CBS Local Sports. Ryan lives in NY but comes from Philly and life as a Philly sports fan has made him cynical. Anywhere sports are being discussed, that’s where you’ll find him.