I wish that we could know what insurance the Twins have in place, and how this stacks up with other teams. For example, some real estate owners don't carry earthquake insurance because of the expense, some carry it because they are conservative, and some carry it but with a very high deductible to reduce the expense. Insurance companies probably make a big profit on this, so it might make sense to "self-insure", i.e. eat the losses when they occur. Unlike earthquake losses, the loss of a highly paid player can be covered with a replacement player who is paid the MLB minimum. I wish Hughes the best and hope that there is some insurance.