Colt McCoy will be devastated if he is not a first round pick. The Texas Longhorns quarterback completes practically every pass that leaves his right hand. That right hand is awfully valuable. Sounds like just the guy who would benefit from a hefty insurance policy (discussed here on May 19, 2009).
And a hefty insurance policy is now in the possession of Mr. McCoy. He is paying a large premium, which will be easily paid off by his rookie contract, should he have another dominating season without any serious injury.