Speaking of Scams...

Barring the costs of extreme injuries, it does seem redundant.

However, personal insurance policies may not cover team sports. What the league provides is relatively cheap, and allows the league to proceed without having to examine ever player's personal insurance plan to make sure the sport is covered and/or that premiums are paid, etc.

For my soccer officiating associations, some of our dues money goes to buy insurance..I think it's liability protection, not sure. I've never heard of anyone using it.

One time in a youth game I worked, a kid punched another kid. About a year later I get a call from lawyers because some sort of personal injury lawsuit was filed. I don't know if the clubs' insurance covered any of that.