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  • Sat., Aug. 23, 2014 4:00 PM - 5:00 PM CDT Houston Texans at Academy Sports + Outdoors

    Houston Texans Stampede Tour pres. by Academy Sports + Outdoors

    Stop by Academy Sports + Outdoors (8453 Memorial Blvd., Port Arthur, TX 77640) from 4-5 PM to meet the Houston Texans!

    Stop by for autographs and pictures with:

    FORMER HOUSTON TEXANS LINEBACKER #56 JAY FOREMAN*

    FORMER HOUSTON TEXANS KICK RETURNER #84 JJ MOSES*
    HOUSTON TEXANS CHEERLEADERS
    AND TORO!

    Houston Texans Giveaways!

    Autographs not guaranteed for everyone and signings strictly limited to times listed per appearance. *Celebrities subject to change.

  • Sat., Aug. 23, 2014 8:00 PM - 9:00 PM CDT Houston Texans at Buffalo Wild Wings

    Houston Texans Stampede Tour pres. by Academy Sports + Outdoors

    Stop by Buffalo Wild Wings (3939 Dowlen Rd., Suite 11, Beaumont, TX 77706) from 8-9 PM to meet the Houston Texans during the first half of the Texans vs. Broncos game!

    Stop by for autographs and pictures with:

    FORMER HOUSTON TEXANS LINEBACKER #56 JAY FOREMAN*

    FORMER HOUSTON TEXANS KICK RETURNER #84 JJ MOSES*
    HOUSTON TEXANS CHEERLEADERS
    AND TORO!


    Houston Texans Giveaways!

    Autographs not guaranteed for everyone and signings strictly limited to times listed per appearance. *Celebrities subject to change.
  • Sat., Aug. 23, 2014 8:00 PM CDT Texans at Broncos The Texans travel to Denver to face off against the Broncos.
  • Sun., Aug. 24, 2014 3:00 PM - 5:00 PM CDT Back To Tailgating The Houston Texans are Back to Football so it’s time for you to get Back to Tailgating at the Academy Sports + Outdoors in Pearland on Sun., Aug. 24 from 3-5 PM. Join the Houston Texans Cheerleaders, Ambassadors, TORO & Deep Steel Thunder for this free event.  Also, get tailgating tips for the 2014 season from former H-E-B Tailgaters of the Year!
  • Tue., Aug. 26, 2014 12:00 PM - 2:00 PM CDT Houston Texans Team Luncheon presented by Amegy Bank of Texas The Houston Texans Team Luncheon presented by Amegy Bank of Texas is Tuesday, August 26 at 12 noon.  It’s your chance to have lunch with the entire Texans team, as well as hear from new head coach Bill O’Brien as we get Back to Football and prepare for the 2014 season. 
  • Thu., Aug. 28, 2014 7:00 PM CDT 49ers at Texans The Texans host the 49ers at NRG Stadium.
  • Sat., Aug. 30, 2014 8:00 PM - 11:00 PM CDT AdvoCare Texas Kickoff

    Celebrate the return of college football with a Big Ten and SEC showdown at NRG Stadium, as the LSU Tigers and Wisconsin Badgers square off in the AdvoCare Texas Kickoff on Saturday August 30 at 8pm. Secure yours today by calling 832-667-2390 or at advocare texas kickoff dot com.

  • Sun., Aug. 31, 2014 1:00 PM - 3:00 PM CDT Kickoff at Kemah Boardwalk Join the Houston Texans Cheerleaders, Ambassadors, TORO, and the Battle Ready Band at the Kickoff at Kemah Boardwalk on Sun., Aug. 31 from 1-3 PM. Bring the entire family for autograph signings, live music, & prize giveaways!
  • Sun., Sep. 14, 2014 8:15 AM - 10:30 AM CDT Houston Texans Running of the Bulls 5K Run/Walk presented by H-E-B Houston Texans Running of the Bulls 5K Run and Walk presented by H-E-B is Sunday, September 14 at NRG Park.  The 5K run/walk and TORO's Kids 1K presented by Aramark will both finish on the floor of NRG Stadium, where the post-race party is with the return of pizza and beer! Also, there is a new course for 2014. Secure your spot before Sept. 8 at 5 PM at HoustonTexans.com.
  • Wed., Nov. 12, 2014 10:00 AM - 5:00 PM CST Bulls & Birdies Golf Tournament supported by Bud Light

    Have you ever dreamed of playing a round of golf with the Houston Texans Cheerleaders cheering you on?  Now’s your chance!  Sign up today at HoustonTexans.com for the annual Bulls and Birdies Golf Tournament supported by Bud Light at Wildcat Golf Club on Wednesday, November 12.

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BWTB: Bridgewater's backup plan

Posted Apr 29, 2014

A look at an insurance policy that can protect Teddy Bridgewater from a fall in the NFL Draft.


How do you protect yourself from the unknown?

In the case of Louisville quarterback Teddy Bridgewater, how can you secure your financial future without ever stepping foot on an NFL field?

I know this sounds like the start of your garden variety insurance commercial, but this is a legitimate question facing not just college football players, but all amateur athletes whose careers are waiting to begin. And yes, it is about insurance.

Bridgewater's answer, or better yet his policy, gives an inside glimpse to what could become commonplace for future stars as they approach their respective professional careers.

Let's rewind back to 2013. Teddy Bridgewater, fresh off a 33-23 win over SEC foe Florida in the Sugar Bowl, was widely viewed as the top overall college quarterback. Many writers felt that had he been eligible for the 2013 draft, the Kansas City Chiefs would have made him the top overall selection. Bridgewater was considered the most pro ready, and lauded for his accuracy and helping lead Louisville to a BCS game.

Fast forward a year later. What has changed?

From a statistical perspective, not much. Bridgewater's completion percentage, passing yards, passing efficiency and TDs all went up, as he put the finishing touches on an impressive collegiate career. Yet, despite an improved season on the field, the media's consensus on the talented signal caller has dropped in the past few months. Since he struggled at his pro day on March 17, he has continued to freefall among draft pundits. Once deemed a lock for the top 10, Bridgewater now sits in the late first round in most 'mock' drafts, with ESPN's Mel Kiper predicting the Louisville QB will fall into round two.

While draft positioning may seem trivial to the average football fan, significant sums of money are at stake for the incoming players. According to the website OverTheCap.com, the difference between being picked number one overall and 10th is over 11 million dollars over the life of a rookie contract.

First and 33rd overall (difference between Texans first and second round picks)? Try 18 million bucks.

So, Bridgewater covered himself, literally. As first reported by ESPN's Darren Rovell, Bridgewater has a five million dollar loss-of-value insurance policy. From the report...

"Sources tell ESPN.com that after the quarterback completed his junior season at Louisville, he added $5 million on top of his already purchased $10 million total disability injury policy and supplemented it with $5 million in loss-of-value insurance."

Rovell goes on to state that loss-of-value insurance is connected to an injury policy. So, in theory, Bridgewater can only collect from a drop in the draft if it is due to the result of getting hurt of being ill. That begs the next question...is Bridgewater injured?

At the NFL Scouting Combine, every prospect in attendance is given a thorough medical examination. While results aren't made public, those reports would likely be examined should he try to file a claim. This could all obviously be moot, because as voice of the Texans Marc Vandermeer has said previously on Texans Radio, we only know what the media is thinking, not team personnel. For all we know, Bridgewater will go in the top five, and this will be a non-issue.

Still, this type of option is an interesting alternative for collegiate athletes to try and protect themselves should the worst happen. Most people remember Willis McGahee's hideous knee injury in the 2003 Fiesta Bowl and the subsequent draft fall for the University of Miami running back. Athletes, especially collegiate ones, buying insurance policies are becoming more prevalent, with Bridgewater joining a long list of players like Matt Leinart and Santana Moss.

According to a 2009 article by Dan Labbe of Cleveland.com, most insurance policies of this nature usually cost between one and 1.5 percent of the total coverage.

McGahee actually purchased coverage before that fateful hit in the Fiesta Bowl, but never actually collected on it. He went on to have a long and productive career, having amassed 8,474 yards during his 10 years in the NFL.

Perhaps the same will happen for Bridgewater. Fellow quarterback Aaron Rodgers, projected by many to be the top overall pick in the 2005 NFL draft, famously fell to the Green Bay Packers with the 24th selection. Rodgers, now a Super Bowl champion, is now one of the elite signal callers in the league. The former Cal standout has been selected to the Pro Bowl three of the last four seasons. Rodgers even recouped the losses from his draft fall, as he signed a five-year, $110 million dollar contract in 2013. $62.5 million of the deal was guaranteed, which is an NFL record.

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