LA Chargers Running Back Suffers Injury During July 4th Incident

Posted Thu, Jul 24th, 2025

Exceptional Risk Advisors Lloyds of London Coverholder

LA Chargers Running Back Suffers Injury During July 4th Incident

Athlete High Limit Disability Insurance

This Fourth of July, Los Angeles Chargers running back Najee Harris sustained a superficial eye injury in a fireworks mishap and thankfully he's expected to be ready for the upcoming NFL season. While Harris avoided serious harm, the incident is a stark reminder of how quickly a professional athlete’s career, and future contract value, can be put at risk. Harris recently signed a one-year, $5.25 million fully guaranteed deal with the Chargers and is set to become a free agent in 2026.

Read the full story here.

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

Insurance Solution

High Limit Disability Income Protection

Professional Athletes

Advisors working with professional athletes should view incidents like Najee Harris’ recent fireworks injury as a timely reminder to reassess their clients’ risk exposure - on and off the field. Whether an athlete is playing under a non-guaranteed contract, heading into free agency, or preparing for the draft, tailored disability coverage can help safeguard their earning potential.

Permanent Total Disability (PTD) policies provide 24-hour, worldwide protection with an "own occupation" definition of disability - covering your client specifically as a professional football player. These policies offer financial security in the event of career-ending injuries or conditions, from car accidents and at-home mishaps to strokes, concussions, and heart conditions.

To further protect against significant in-season injuries, the Critical Injury Rider offers coverage during high-risk periods like regular season games, bowl games, the combine, pro days, and other pre-draft workouts.

As a Lloyd's of London Coverholder, Exceptional Risk Advisors designs High Limit Disability Income Protection solutions for both professional and collegiate athletes - ensuring your clients are covered when it matters most.

Learn More About High Limit Disability for Athletes

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