To determine the number of teams you need to insure, use this format to calculate the number of teams:
1. Determine the total number of players to be insured;
2. Calculate: Total number of Players divided by 12= Number of teams to insure. If you end up with a remainder, add one team.
Example: League has a total of 195 players
195 /12 =16.25 The number of teams to insure is 17.