Football Injury Index - English Premier League 2018-19 Review - Kinesport
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Contents •• Introduction. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 •• Club Analysis . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 •• Injuries and Performance . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8 •• Injuries by Month . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12 •• Injuries by Type . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14 •• Injuries by Position. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18 •• Injuries by Age. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20 •• Looking Ahead. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22
Introduction Welcome to the fourth annual Football Injury Index from Marsh JLT Specialty, covering the 2018-19 season. Each year, the Index looks at how injuries have affected the 20 football clubs in the English Premier League (EPL) over the course of the most recent season. This information helps clubs understand the financial impact of players’ injuries, and assess their injury risks. £ 221 M Total Cost of Injury 2018/19. 380 Games; 1 Point in It The EPL season never fails to serve up thrilling drama — and 2018-19 was no exception. Not since 2012 — when a last-minute goal sealed the top spot for Manchester City — have we seen a closer title race. After 380 games, City once again clinched glory on the last day of the season, finishing one point ahead of Liverpool. Pep Guardiola’s team completed an unprecedented domestic treble in the English men’s game by also winning the FA Cup and the League Cup. Liverpool’s fans had their own reason to celebrate a couple of weeks later, when the club beat EPL rivals Tottenham Hotspur in the UEFA Champions League (UCL) final. Remarkably, the EPL provided all four European finalists this season, with Chelsea beating Arsenal in the Europa League showpiece. This was the first time any national league had achieved this feat. For their part, Arsenal had a mixed first campaign of the post-Arsene Wenger era. Under new manager Unai Emery, the club failed to qualify for next season’s UCL, while reaching (but losing) the Europa League final. Meanwhile, Manchester United couldn’t sustain the impressive “bounce” when Ole Gunnar Solskjaer replaced Jose Mourinho as manager mid-season. Their sixth-place finish means no UCL spot next season. At the other end of the table, two newly promoted clubs (Fulham and Cardiff City) were immediately relegated back to the Championship — in contrast with the previous season, when all three promotees survived. Bucking the trend, Wolverhampton Wanderers put in a stellar performance in their first season back in the big time. The club finished seventh, reached the FA Cup semifinals, and drew praise for their attractive football. Marsh JLT Specialty • 1 Marsh • 1
Injuries on the Up For professional football clubs, paying out salaries to injured By comparison, the cost of injuries rose by a relatively modest players is a cost of doing business. And the cost is on a relentless 3%, to around £221 million year-on-year. This followed a 21% upward curve. During the 2018-19 season, injuries increased jump in costs during the previous season. both in number and cost to EPL clubs (see Figure 1). The 2017-18 figure may have been inflated by the effect on The total number of injuries (764) was the highest since we players’ wages of a bumper new Sky TV deal. Nonetheless, the began collecting data eight years ago — and up 15% from last long-term trend is clear: As TV money has poured into the game, season (663). This reversed the previous year’s trend, when total inflating players’ salaries, the cost of injuries to EPL clubs has, injuries fell by around 10% year-on-year. since the 2011-12 season, almost doubled. FIGURE 1 Cost and number of injuries continues to increase. 764 800 718 714 663 700 603 573 580 600 121241 1214 11145449 1497 149 19 111449 11111454497 111154497 111152448979 1114449 11124489 1111112444499 18 500 111114244498 18 1111499 11111522447998 11747 15479 11145449897 1112448 111124499 149 19 111449 11112444899 1114498 1 4 1115244979 111154497 111154997 111124544897 11547 11 19 11112444489 11112444489 111112444489 400 11540 111144499 19 11111244489 19 11111244489 11 9 1111124489 1149 1149 1149 1149 1124489 19 19 111489 11248 111248 111248 1112449 11249 11248 111124498 148 148 11112498 111249 111249 1 1149 1149 1149 1149 1149 1149 1149 300 200 100 0 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 2018-19 Total injuries Total cost of injuries (in GBP) 2 • Football Injury Index
Methodology Working with Sporting Intelligence, a specialist sports news and data provider, Marsh JLT Specialty has sourced, classified, and studied data on EPL injuries since 2011. Using public sources, our analysis covers official matches played by EPL clubs in all competitions. The analysis in this report is based on our “There were 764 injuries to players estimate of the financial cost for every injury suffered by an EPL player during the 2018-19 during the 2018-19 season — that’s season. Injury costs represent the fixed salary paid by the club to the injured player during the highest number in any season their absence. since we began collecting data.” All injuries causing a player to miss at least one official match are taken into account. All salary and injury cost data cited is provided by Sporting Intelligence. 764 Total number of injuries in 2018-19. 15 % Increase of number of injuries from 2017-18. 86 % Increase in salaries paid by clubs to injured players since 2012-13.
Club Analysis On average, EPL clubs suffered just over 38 injuries each during the 2018-19 season — around one per game. On average, each club paid out a total of more than £11 million to injured players. The cost per injury averaged around £290,000. Looking at the cost of injuries by club throws the financial divide between the “big six” and the rest of the EPL into sharp relief. Between them, Arsenal, Chelsea, Liverpool, the two Manchester clubs, and Tottenham Hotspur accounted for 54% of injury costs. Together, they’ve experienced a 48% increase in salaries paid to £ 290 K Average injury cost 2018-19. injured players since 2016 (see Figures 2 and 3). With an all-star squad and wealthy owners, it is perhaps unsurprising that Man City tops the injury costs table, with a total outlay of £26.3 million (see Figure 4). This is despite having only the seventh highest injury total (44), and “On average, the lowest among the top six teams. However, City’s push for an unprecedented “quadruple” had an effect, with its injury total almost double that of last year (24). Premier League clubs paid some Manchester United — another big-salary payer — is second in the injury cost table, having spent £25.2 million. United had the highest injury cost spend in the £11 million each league during 2017-18, despite a relatively modest number of injuries (37). Last season, however, the club suffered more injuries than any other (63) — which may to injured players partly explain the team’s faltering league performance. over the course of the season.” FIGURE 2 Top six clubs take more than half of injury costs. £120M £101M Top 6 Clubs Other Clubs 4 • Football Injury Index
For 2018-19, Tottenham Hotspur experienced the second Wolverhampton Wanderers’ excellent return to the top flight was highest injury total (61), while lying sixth in the cost table undoubtedly helped by a relatively injury-free season. The team (£17.9 million). Spurs contested its first-ever UCL final last had just 11 layoffs — the lowest number of any EPL club in the season, and made the FA Cup semifinals, on the back of a long last eight years. As a newly promoted team, Wolves presumably World Cup campaign for several players last summer. This had a modest wage bill by Premier League standards. This kept arguably took its toll: The club’s injury total almost doubled injury costs down to £1.1 million — just 4.3% of Manchester last season (up from 33 in 2017-18). Over the last three seasons City’s total. (2016–19), its payouts to injured players more than doubled (110%) — a far higher increase than other top six clubs. FIGURE 3 Top six EPL teams see overall increase of 48% in salaries to injured players since 2016. 110% 73% 49% 44% 41% 11% Tottenham Hotspur Chelsea Arsenal Manchester City Manchester United Liverpool Marsh JLT Specialty • 5
FIGURE 4 Manchester City had the highest cost of injuries in 2018-19, while Manchester United led in number of injuries. 44 Manchester City 26.3 63 Manchester United 25.2 49 Arsenal 24.2 45 West Ham United 22.8 61 Tottenham Hotspur 17.9 50 Liverpool 15.2 39 Crystal Palace 11.5 50 Chelsea 11.5 28 Everton 9.4 35 AFC Bournemouth 8.0 37 Watford 7.7 39 Newcastle United 6.8 28 Burnley 6.1 34 Southampton 6.0 28 Brighton 5.0 43 Huddersfield 4.7 19 Leicester City 4.4 27 Fulham 4.1 34 Cardiff City 3.3 11 Wolverhampton 1.1 Wanderers Total injuries (in millions GBP) Cost of injuries (in millions GBP) 6 • Football Injury Index
“Wolverhampton Wanderers’ excellent return to the top flight was undoubtedly helped by a relatively injury-free season.” Marsh JLT Specialty • 7
Injuries and Performance Depth of squad is critical when competing for major honours. Tellingly, Manchester City pipped Liverpool to the title despite suffering more from injuries (see Figure 5). The champions had an average of 4.61 players missing per game, compared to 3.91 for Liverpool. And Manchester City players were out for 1,407 days in total — significantly more than Liverpool’s 1,136 days. (This is despite City suffering six fewer injuries in total.) It could also be argued that Pep Guardiola lost more influential players than Jurgen Klopp’s Liverpool. Two of City’s long- 4.61 Players Average number of missing players term absentees were club Captain Vincent Kompany and star playmaker Kevin per game for Man City, compared de Bruyne. By contrast, Liverpool’s longest layoffs affected Alex Oxlade- to Liverpool’s 3.91. Chamberlain, Joe Gomez, and Adam Lallana. FIGURE 5 Despite higher injury totals, Manchester City takes top spot in 2018-19. BATTLE FOR TOP SPOT Manchester City Liverpool 44 TOTAL INJURIES 50 1,407 DAYS OUT 1,136 £26.3M COST OF INJURIES £15.2M 98 EPL POINTS 97 £598.8K AVG. COST OF INJURY £303.1K 4.61 AVG. NUMBER OF UNAVAILABLE 3.91 PLAYERS 8 • Football Injury Index
“Manchester United finished bottom of the big six ‘mini-league’, and suffered the most layoffs during the season.” The Big Six Looking across the top six, Arsenal lost by far the most days Spurs’ injury-hit campaign is reflected in a more than 200% through injury (1,771), and finished second from the bottom rise in days missed by their players — up from 791 in 2017-18, of this elite group. Did injuries hold back the team’s progress to 1,652 last season (see Figure 6). There was a clear impact on in its first season under Emery? Manchester United finished at their league performance: the team scored seven fewer points, the bottom of the big six “mini-league”, and suffered the most and finished a place lower, in fourth. layoffs during the season. FIGURE 6 Year-on-year injuries may have played a role in performance among the top six clubs. AVG. UNAVAILABLE TOTAL INJURIES DAYS OUT EPL POINTS PLAYERS CLUBS 2017-18 2018-19 2017-18 2018-19 2017-18 2018-19 2017-18 2018-19 Manchester City 24 44 776 1,407 2.81 4.61 100 98 Liverpool 44 50 1,218 1,136 4.20 3.91 75 97 Chelsea 38 50 906 1,014 2.63 3.43 70 72 Tottenham Hotspur 33 61 791 1,652 3.04 5.50 77 71 Arsenal 54 49 1,034 1,771 4.40 6.40 63 70 Manchester United 37 63 1,071 1,238 4.38 4.30 81 66 Marsh JLT Specialty • 9
Across the League West Ham finished comfortably in mid-table (10th), despite As we’ve seen, seventh-placed Wolverhampton Wanderers had having the most players missing per game (7), and the most the fewest days missed and players unavailable on match days. match days missed (2,003), (see Figures 7 and 8). Long layoffs for Andy Carroll (twice), Jack Wilshere, and Andriy Yarmolenko contributed to the club’s high absence rate. FIGURE West Ham United averaged more than 7 players missing 7 per match, but was in the middle for points scored. EPL Total Points 0 20 40 60 80 100 120 8 WHU 7 Avg. Number of Unavailable Players Each Matchday ARS 6 TOT 5 WAT MNC HUD BOU MNU 4 NCW CAR BUR LIV CRY EVE CHE 3 BRI SOU FUL LEI 2 1 WOL 0 10 • Football Injury Index
FIGURE Manchester City led the EPL in points in 2018-19 and was 8 slightly above average for injuries. AVG. NUMBER OF UNAVAILABLE CLUBS 2018/19 EPL POINTS NUMBER OF MATCHES PLAYERS 1 Manchester City 98 61 4.6 2 Liverpool 97 53 3.9 3 Chelsea 72 63 3.4 4 Tottenham Hotspur 71 58 5.5 5 Arsenal 70 58 6.4 6 Manchester United 66 53 4.3 7 Wolverhampton Wanderers 57 46 0.7 8 Everton 54 42 3.7 9 Leicester City 52 43 2.5 10 West Ham United 52 43 7.0 11 Watford 50 46 4.5 12 Crystal Palace 49 45 3.7 13 Newcastle United 45 42 4.2 14 AFC Bournemouth 45 43 4.3 15 Burnley 40 47 3.8 16 Southampton 39 43 2.9 17 Brighton 36 45 3.0 18 Cardiff City 34 40 3.9 19 Fulham 26 42 2.8 20 Huddersfield 16 40 4.4 Marsh JLT Specialty • 11
Injuries by Month On average, EPL teams spent a total of £20.2 million each month on players laid off through injury during 2018-19. Like every season, December/January witnessed the most injuries, given the annual festive fixture congestion that EPL managers so frequently bemoan (see Figure 9). In 2017-18, this led to a spike in January; last season, it appears to have struck a month earlier. December 2018 saw the highest number of injuries (118), and £ 20.2 Average monthly payout to M the highest injury cost (£29.3 million) across the league (see Figure 10). In fact, injured players across the EPL. the number of injuries that month was far higher than the eight-year average for December. As the heavy festive schedule continued to bite, injury levels remained high in January (88, costing £24.9 million), and February (78, costing £20 million). August usually sees relatively few injuries. The season only starts midway through the month, and players return refreshed from the summer break and conditioned by pre-season training. Yet, 2018-19 saw a peak in the number of injuries during the first month back (113). This could well be a hangover from the World Cup last summer. Some 108 EPL players went to Russia — by far the most from any one league, and way ahead of Spain’s La Liga, in second place (78). In fact, the Premier League provided the whole of England’s squad, and around half of Belgium’s — both of which went all the way to the semifinals. April also registered a high number of injuries (81), as the long season reached its “sharp end”, and clubs found themselves fighting for the title, European qualification, and Premier League survival. 12 • Football Injury Index
FIGURE 9 Number of August injuries unusually high in 2018-19. 140 Avg. 2011-2018 120 100 2018-2019 p36 NUMBER OF INJURIES 80 p66 p23 60 40 20 0 Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May FIGURE 10 Injury costs typically highest in December/January. 30M Others Arsenal 25M Chelsea 20M Liverpool RUNNING COST Manchester City 15M Manchester United Tottenham Hotspur 10M 5M 0 Jul 2018 Aug 2018 Sep 2018 Oct 2018 Nov 2018 Dec 2018 Jan 2019 Feb 2019 Mar 2019 Apr 2019 May 2019 “December 2018 saw the highest number of injuries (118), and the highest injury cost across the league (£29.3 million).” Marsh JLT Specialty • 13
Injuries by Type Not all injuries are equal. Some are harder to treat, take longer to heal, cause clubs more problems — and cost more (see Figure 11). In 2018-19, knee injuries were the most common cause of layoffs among EPL clubs, caused the longest absences, and were the costliest. That followed two seasons in which hamstring injuries had been the most common. There were 114 knee layoffs during the 2018-19 season, compared to 108 hamstring pulls. Ankle injuries (70) were a distant third. Knee problems also 114 Knee injuries — lasting on average caused by far the lengthiest absences (58 days per injury, on average). Ankle 58 days. injuries, in second place, led to an average 40 days out. As a result, knee injuries accounted for more than a quarter (26%) of all injury costs to EPL clubs last season (a total of £58.8 million). In the 2017-18 season, sickness saw a 600% spike in frequency, rising to 62 absences from just nine in 2016-17. It increased further last season (66), but the illnesses were short-lived, as we might expect for young athletes. With an average duration of just under 11 days, sickness layoffs were by far the shortest. 26 % £58.8 M 1 ST Of all injury costs were related Total cost of knee injuries. Knee injuries were the most to knee injuries. common and costliest injuries. 14 • Football Injury Index
“Knee injuries are the most troublesome. They caused more than a quarter of all injury payouts this season, costing clubs £58.8 million.” Marsh JLT Specialty • 15
FIGURE 11 Knee injuries in 2018-19 were the most frequent and also the most expensive. Knee NUMBER OF INJURIES Hamstring NUMBER OF INJURIES 114 108 AVERAGE INJURY SEVERITY AVERAGE INJURY SEVERITY 58 DAYS 32 DAYS AVERAGE INJURY COST AVERAGE INJURY COST £516K £311K TOTAL ESTIMATE OF COST TOTAL ESTIMATE OF COST £58.8M £33.5M Ankle NUMBER OF INJURIES Illness NUMBER OF INJURIES 70 66 AVERAGE INJURY SEVERITY AVERAGE INJURY SEVERITY 40 DAYS 11 DAYS AVERAGE INJURY COST AVERAGE INJURY COST £392K £124K TOTAL ESTIMATE OF COST TOTAL ESTIMATE OF COST £27.5M £8.2M Knock NUMBER OF INJURIES Groin NUMBER OF INJURIES 66 54 AVERAGE INJURY SEVERITY AVERAGE INJURY SEVERITY 18 DAYS 25 DAYS AVERAGE INJURY COST AVERAGE INJURY COST £167K £239K TOTAL ESTIMATE OF COST TOTAL ESTIMATE OF COST £11.0M £12.9M 16 • Football Injury Index
Hip/Thigh NUMBER OF INJURIES Foot NUMBER OF INJURIES 52 40 AVERAGE INJURY SEVERITY AVERAGE INJURY SEVERITY 22 DAYS 51 DAYS AVERAGE INJURY COST AVERAGE INJURY COST £223K £573K TOTAL ESTIMATE OF COST TOTAL ESTIMATE OF COST £11.6M £22.9M Calf/Shin NUMBER OF INJURIES Back NUMBER OF INJURIES 36 32 AVERAGE INJURY SEVERITY AVERAGE INJURY SEVERITY 29 DAYS 24 DAYS AVERAGE INJURY COST AVERAGE INJURY COST £211K £233K TOTAL ESTIMATE OF COST TOTAL ESTIMATE OF COST £7.6M £7.5M “Over the past two seasons, hamstring injuries have been the most common cause of layoffs among EPL clubs.” Marsh JLT Specialty • 17
Injuries by Position As was the case the season before, goalkeepers had very few injuries in 2018-19 — just 28 — but suffered the most severe cases (see Figure 12). Their average layoff was 41 days, due in part to long-term absences 81 for Burnley’s Nick Pope and Manchester City’s Claudio Bravo. Low numbers of goalkeeping injuries are down to two factors. First, there are £ M fewer keepers in each squad (usually only three). Second, they stay out of the Midfielders cost their clubs action during much of a football match. the most in injury payouts. But when called into action, their unique role on the pitch exposes them to a high degree of physical danger: jumping, diving, scrambling for the ball at players’ feet, and colliding with others in crowded penalty areas. This explains the lengthier layoffs they typically experience — alongside the fact that they tend to be older. “Midfielders Midfielders replaced forwards as the most expensive position for injuries this replaced forwards season, costing their clubs £81 million in layoffs. This was more than a third (36%) of the total injury cost across the 2018-19 campaign. Defenders suffered the most as the most injuries (285, compared to 249 for midfielders) — perhaps unsurprisingly, given the physical nature of their role. expensive position for injuries this As per the season before, forwards saw the shortest absences (27 days on average). As the best-paid position, with a crucial role in creating and scoring season, accounting goals, are injured attackers being rushed back into first-team action? for 36% of the total injury cost.” 18 • Football Injury Index
FIGURE 12 Injuries to goalkeepers had the highest average expense. GOALKEEPERS DEFENDERS 28 Total injuries 285 Total injuries 41.2 Average Severity (days) 31.7 Average Severity (days) COST OF INJURIES COST OF INJURIES £10.0M £73.2M AVG. COST OF INJURIES AVG. COST OF INJURIES £355.4K £256.8K MIDFIELDERS FORWARDS 249 Total injuries 202 Total injuries 33.8 Average Severity (days) 27.1 Average Severity (days) COST OF INJURIES COST OF INJURIES £80.9M £62.2M AVG. COST OF INJURIES AVG. COST OF INJURIES £325.1K £308.1K Marsh JLT Specialty • 19
Injuries by Age Footballers generally hit their prime in their mid-to- late 20s. So we’d expect their wages to be highest during this period, and the physical demands on them to be the most strenuous. This may partly 118.6 explain why almost half (49%, or 374 injuries) of last season’s injuries struck players between 26 and 30 years old (see Figure 13). £ M In turn, more than half (52%) of the total cost of injuries to EPL clubs was incurred Players between 26 and for players of that age group (£118.6 million). This is more than twice the amount 30 years old accounted for for those between 21 and 25 years old (£54.4 million), the next costliest group. 52% of the season's injury costs. Conversely, players between 26 and 30 years old are the quickest to recover from injury (30 days on average), as they’re generally in peak physical condition. “26-30 year olds The oldest age group sits at the opposite end of both scales. Over-35s suffered the fewest injuries — just nine last season. This may be because fewer of them accounted for play at the very highest level. Also, a higher proportion of them are goalkeepers, who suffer fewer injuries. However, they require the longest recovery times — 52% of the season’s more than twice that of players from 26 to 30 years old (65 days). As a result, their injuries are twice as expensive, costing just over £785,000 each, compared to injury costs.” £317,000 for their younger teammates. 20 • Football Injury Index
FIGURE 13 Injuries to players between 26 and 30 years old cost clubs the most money. Less than 21 NUMBER OF 21-25 NUMBER OF INJURIES INJURIES AVERAGE INJURY SEVERITY 20 AVERAGE INJURY SEVERITY 217 32.7 DAYS 32.1 DAYS TOTAL COST TOTAL COST £1.7M £54.4M 26-30 NUMBER OF 31-35 NUMBER OF INJURIES INJURIES AVERAGE INJURY SEVERITY 374 AVERAGE INJURY SEVERITY 144 30.3 DAYS 31.5 DAYS TOTAL COST TOTAL COST £118.6M £44.5M Over 35 NUMBER OF INJURIES AVERAGE INJURY SEVERITY 9 65.2 DAYS TOTAL COST £7.1M Marsh JLT Specialty • 21
Looking Ahead During the summer, Liverpool manager Jürgen Klopp publicly ruled out spending “crazy money” — setting the tone for his transfer strategy ahead of the 2019-20 season. That could be a worry for Liverpool fans, hungry for a first league title since 1990. Renewing their battle for top spot with Manchester City won’t be easy — especially given the depth and quality of City’s squad. Manchester City held Liverpool off despite having more players missing in the £ 55 M Amount Spurs paid for 2018-19 season; if the gap between the two squads grows, there could be more French midfielder Tanguy Ndombele. than a point in it come May next year. In Solskjaer’s first full term in charge, Manchester United are looking to recapture their glory years, by challenging for the title and qualifying for the UCL. It’s an ambition reflected in their willingness to pay Leicester City £80 million for England centre-back Harry McGuire — a world-record transfer fee for a defender. Spurs were out of the blocks early. After two seasons with very little transfer activity, the club broke its record in July, paying Lyon £55 million for French midfielder Tanguy Ndombele, and following up with Giovani Lo Celso on the transfer day deadline. Meanwhile, Arsenal must build on a moderate first campaign of the post-Wenger era; and Chelsea could have a problem. With an untested new manager at the helm (club legend Frank Lampard), Chelsea have faced a transfer ban. What this will mean for their wage bill and injury costs in the coming season remains to be seen. At the other end of the scale, how will the league’s three newly promoted clubs — Aston Villa, Norwich City and Sheffield United — go about trying to ensure an extended stay in the top flight? Villa have shown their determination to stick around, spending over £130 million during the transfer window. Finally, how will Euro 2020 affect the coming season? Players know that their form in the EPL will affect whether they’re selected to represent their countries next summer. But equally, they’ll be wary of picking up injuries that could rule them out of a major international tournament. Whatever the season brings, we can be sure the Premier League’s 20 clubs will pay out hundreds of millions of pounds to players as they sit on the sidelines through injury. 22 • Football Injury Index
Insurance Analytics Specialists The dedicated Data and Analytics team at Marsh JLT Specialty provides injury analysis, insight, and predictions to clubs from a range of sports. Our advanced actuarial and analytics laboratory produces valuable insight into risk factors typically leading to sporting injuries. We also carry out tailored analyses for clubs seeking other types of financial risk protection — for example, against missing promotions or crashing out of European competitions, resulting in considerable financial losses. Using advanced modelling techniques, the team helps clubs and insurers to assess risk exposure and the fair price of coverage. Our Model Marsh JLT Specialty’s proprietary predictive injury model helps clients in the sporting world to identify and prepare for injury risks. By analysing complex variables, our model makes player-by-player injury predictions. It takes into account individual and team risk factors, including age, position, injury history, number of matches, and salaries. It then benchmarks these against our comprehensive database of injury patterns and trends. We use this information to calculate the probability of each player being injured, and the likely severity. This allows us to estimate the potential injury cost a club is exposed to. With top athletes commanding unprecedented financial rewards across the sporting world, this insight can make all the difference. Whilst this has worked in the sports industry, we are not just limited to one sector. These models can be extended and easily modified to suit a wide array of industries. With these models, we aim to aid our clients in better managing their risk exposure and understand the key nuances in the industries they operate. Marsh JLT Specialty • 23
About Marsh Marsh is the world’s leading insurance broker and risk adviser. With over 35,000 colleagues operating in more than 130 countries, Marsh serves commercial and individual clients with data-driven risk solutions 35,000+ and advisory services. Marsh is a wholly owned subsidiary of Marsh & McLennan Companies (NYSE: MMC), the leading global professional services firm in the areas of risk, strategy, and people. With annual revenue over US$15 billion and 75,000 Over 35,000 colleagues serving colleagues worldwide, MMC helps clients navigate an increasingly dynamic businesses, public entities, and private and complex environment through four market-leading firms. clients in more than 130 countries. ! About Marsh JLT Specialty We are specialists who are committed to delivering 35 + More than 35 risk, specialty, and industry practices. consulting, placement, account management, and claims solutions to clients who require specialist advice and support. We consider problems from every angle and challenge the status quo with entrepreneurial ideas and solutions. With unparalleled breadth, our Marsh JLT Specialty global team is united by a determination to bring the most experienced and relevant specialist resources 500 to our clients, regardless of where they are located. This approach means our local specialists work seamlessly with global experts, together creating and delivering tailor-made risk and insurance solutions to address each client’s unique challenges. + Our service offering is enhanced with insight-driven advice supported by tailored Over 500 offices worldwide. data, analytic, and consultancy capabilities to support clients in making important decisions about their complex risks. Exceptional service combined with transparency, integrity, and accessibility underpins our partnerships with clients. 24 • Football Injury Index
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