I would never let an athlete throw a skill where that was a possibility though. I know no one plans for an accident, but I'm very careful. Plus, I've never heard of an injury that severe, does it happen often? I'm sure it does, but I've never heard of it. The only time any athlete has been injured while working with me is when a girl, who has her handspring, threw a handspring and broke two bones across the back of her hand. It was a skill she's landed successfully hundreds of times. $25000 would have definitely paid for the expenses. I went with $25000 because it was suggested as a good figure by the insurance agency.