At the Risk & Insurance Management Society’s (RIMS) annual conference this week, Monica Rusch, senior director of risk management for Major League Baseball’s Houston Astros discussed the team’s increased security risks following its 2017 World Series win, including athlete injuries, terrorism threats and active shooter events.

During the RIMS panel discussion, Houston Insurance Advisory & Recovery counsel Tamara Bruno spoke about insurance solutions to help mitigate such risks. In an article covering the presentation, Business Insurance highlights revised language on the back of baseball tickets that advises fans about the risks they assume when entering stadiums.

According to Bruno, even though attendees assume the risk by showing up, claimants could allege intentional conduct to circumvent the disclaimers, which could result in policyholder disputes with insurers that claim their policies exclude coverage for intentional torts.

“Despite our best efforts, there can be incidents and end up being claims,” Bruno said.

When it comes to disability insurance for athletes, policies can be negotiated to cover risks that include a loss of value for both the athlete and the team.

“Injuries during the negotiation period are going to be really bad for the athlete,” she said. “All of a sudden, their value has plummeted.”

Bruno advises that there are issues to consider when negotiating disability coverage, such as keeping certain exclusions like those that don’t cover foreseeable injuries out of the policies.

Read more about the risks for athletes, fans and venues on Business Insurance.