If it is based off future earnings, the liability could be enormous. Take GR as an example. If he is a projected top 10 pick, and his career is ended due to Covid, the liability would be $100M plus, I'd imagine.
This raises a question I've had for a few days, as I've seen it brought up on the boards that the university can purchase insurance for the athletes (whether it is for Covid, or just a career-ending injury like Makenzie Milton). Can the school actually purchase this insurance, or does the family have to purchase it? My thought was, if the school purchases it for 1 athlete, they'd have to purchase it for all. Anyone know the rule on this?