Days Before Spring Training Begins, MLB Injuries Are Already Mounting

Posted Wed, Feb 25th, 2026

Exceptional Risk Advisors Lloyds of London Coverholder

Days Before Spring Training Begins, MLB Injuries Are Already Mounting

High Limit Disability Insurance for Athletes

Even before Spring Training is in full swing, the MLB injury list is already stacking up - a clear warning for advisors working with young players chasing roster spots and future contracts. Several key athletes are set to miss major time, including Tigers pitcher Reese Olson, who is out for the entire 2026 season following right labrum surgery, and Orioles infielder Jackson Holliday, sidelined for Opening Day after surgery on a broken hamate bone. The Diamondbacks’ Corbin Carroll is managing a hand injury that could impact early performance, and Detroit’s Jake Jobe has already been placed on the 60 day IL with an elbow injury, delaying his return until mid season at best. Add in names like Josh Hader (bicep), Shane Bieber (forearm), and Jordan Westburg (oblique), and the message for advisors is unmistakable: the risks are real long before the first pitch of spring is even thrown - and players need protection in place now.

Read the injury report here.

How can you protect your clients? See below for the insurance solution.

Insurance Solution

High Limit Disability Income Protection

Professional Athletes

Even with Spring Training just beginning, the surge of early MLB injuries is a clear reminder that a player’s earning power can change long before Opening Day. With athletes like Reese Olson, Jackson Holliday, Corbin Carroll, and Jake Jobe already sidelined before the season starts, advisors should be proactively reviewing each client’s exposure and ensuring protection is in place ahead of the most vulnerable weeks of the year.

Permanent Total Disability (PTD) insurance provides 24 hour, worldwide protection with an “own occupation” definition of disability - covering the athlete specifically as a professional baseball player and extending through all phases of the season, including Spring Training. PTD helps safeguard athletes against career ending injuries or conditions whether they occur during early season workouts, regular-season play, or completely off the field - covering everything from ligament tears and concussions to car accidents and sudden medical events.

To address high risk situations tied directly to a player’s earning window, the Critical Injury Rider adds targeted protection for injuries sustained during regular season games, postseason play, pre draft activities, combines, pro days, and other high impact evaluations - matching coverage to the moments that matter most for your athlete clients.

As a Lloyd’s of London Coverholder, Exceptional Risk Advisors designs High Limit Disability Income Protection for both professional and collegiate baseball players - ensuring your clients are protected when unexpected injuries threaten their contracts, draft position, or long term earning potential.

Learn More About High Limit Disability for Athletes Here

Featured Case Study
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MLB Pitching Prospect

Country Music Duo In this case, a rapidly advancing MLB pitching prospect whose career trajectory - and financial exposure - is accelerating quickly. Following a breakout 2025 season, highlighted by a 2.45 ERA and an elite strikeout to walk ratio, the player’s long term earning potential surged. His advisor recognized the importance of protecting future contract value early in his career, especially given the heightened injury risk young pitchers face.