When it comes to sports there is nothing worse than an injury.
In the game of basketball, when an injury prone player goes down, the team is left with either a reliable and efficient backup who can produce consistent numbers or an athlete that possesses merely half the skills of the injured starter.
For a team to be successful, having insurance on the bench is imperative.
The NBA's Top Three Most Insured Organizations
Los Angeles Lakers
Injury Prone Player—Andrew Bynum
What makes the LA Lakers the most insured organization in the NBA is nothing other than their height.
For example, if Bynum were to go down with another knee injury, 7'0" power forward Pau Gasol would immediately assume the center position; thus moving 6'10" sixth man Lamar Odom into the starting power forward role.
When looking at the Lakers past two seasons, it is statistically proven that when Bynum has gone down with an injury, not only does Odom's averages rise, but most importantly the team's winning percentage as well.
In addition, the newly acquisition of 6'9" Ron Artest gives the Lakers even more insurance just in case they were to lose Bynum to another injury.
Injury Prone Player—Kevin Garnett
We all saw what happened last season when the Celtics went from being arguably the strongest team in the league (winning 19 games in a row) to losing in the second round of the playoffs (due to lack of insurance).
Instead of praying for Glen "Big Baby" Davis to hit another magical buzzer beater during next postseason, Boston can now rely on 14-year veteran Rasheed Wallace to step in and take control if Garnett were to go down.
What's great about Wallace is his extreme versatility. Standing 7'0", Sheed can fill the shoes for both front-court positions, giving Boston basically a two-for-one kind of insurance deal just in case Garnett or Perkins were to fall to injury.
Just think how far the Celtics would have went if they had Wallace on their roster last season.
Injury Prone Players—Jameer Nelson
After Nelson went down with a shoulder injury last season, Orlando knew a move needed to be made, and quick.
With the power of General Manager Otis Smith, Rafer Alston was shortly dealt to the Magic after and ultimately helped bring the team all the way to the NBA Finals.
This offseason Orlando decided to sign 10-year veteran Jason Williams as a backup to the All-Star point guard Jameer Nelson.
Although J-Will has not played in the league since the '07-'08 season, his experience in the playoffs and capability to perform effectively for any team places the Magic as the third most insured organization in the league.
If that is not enough insurance, the Magic also have an $8 million trade exception (acquired through the Hedo Turkoglu sign-and-trade) that can help them obtain a big named player if necessary.