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I'd imagine that most players have personal policies that give a payout if they get a career ending injury, but I'm sceptical that insurance policies exist that pay wages of an injured player. Insurance companies exist to make money; premiums on such cover would be horrendous.

You're right about back up for the wide men; Ulloa is easy to defend against when there are no crosses being put in. He would have scored a hatful during Comway's loan period.