Football Insurance

Protection Against Career Ending Injury

We Provide Football Insurance for Career Ending Injuries to Professional Footballers.

A footballer’s career is highly paid and relatively short, it is also dependent on his physical and mental health. If either of these fail as a result of an accident (on the pitch, at home, in the car) then the player could find his career coming to an early end, at a young age. The player’s financial situation is likely to change significantly, if he doesn’t have any financial protection.

In the event of a successful claim, the individual player would receive a tax-free lump sum which could be as much as 5 x his annual salary. Our insurance gives the footballer and his family the peace of mind that, in the event of the player having to retire prematurely from his profession, he would receive financial security, in the form of a tax-free lump sum.

In the event of a player suffering Accidental Death, for example a car crash, the amount he is insured for will be paid to named beneficiary on the policy (parents/wife)

The Professional Footballers Association (PFA) have had our policy reviewed by their legal team and have endorsed and recommend ONLY our policy. They encourage players to buy this insurance to safe guard their future.

Jointly with the PFA we provide an football insurance policy to the PFA which covers all its members (approx. 4000 players) for a sum of £25,000, should a player sustain a career ending injury. This cover is free to the players and is paid for by the PFA. The PFA then suggest that players should ‘top-up’ this amount to meet their current earnings to make sure each player has sufficient cover.

Football Insurance Policy Benefits

A player has 36 months from the date of the injury as a notification period, in order to make a claim. This gives players 3 years to recover from serious injury, time to rehabilitate from surgery, return to training and undergo any treatment that is aimed to aid his recovery. Our underwriters are happy to give the player every opportunity to return to his career before finding themselves in a claim situation.

We can also offer insurance for loss of earnings (ie appearance money/bonuses) if a player sustains a long term injury.
Over the years we have provided Career Ending Injury Insurance to a variety of sportsmen and women, including, Rugby Players, Snooker Players, Tennis Players and Jockeys, so please feel free to get in touch if you have an enquiry regarding any sport insurance.

Pro-Secure Football Insurance

Protection Against Career Ending Injury

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Football Insurance

The PFA & Us

Special Risks Ltd is the leading career-ending insurance provider for professional footballers in Europe founded in 1994.  It currently provides insurance cover worldwide.

Special Risks Ltd has chosen Axis Managing Agency Ltd, as insurance underwriters for this individually tailor-made policy.

Special Risks Ltd has worked closely with the PFA for over 16 years, we have been business partners of the PFA for the last 12 years, and our product, the Pro-Secure Personal Accident & Sickness Insurance Policy is the only policy of its kind to have the endorsement and recommendation of the PFA.

Special Risks Ltd now provides the PFA with a Pro-Secure Personal Accident & sickness Insurance Policy for every professional player in England and Wales, and will continue to do so for the next 3 years.

The PFA and Special Risks Ltd have launched a tailor-made Career Ending Insurance Policy designed to protect the PFA’s 4000 members, ranging from Senior Premiership Players to young trainees.  The policy will pay a tax-free lump sum if a player’s career is ended by injury.


The Professional Footballers’ Association and Special Risks Ltd have launched a tailor-made PA insurance policy designed to protect the PFA’s 4,000 members, ranging from senior Premiership players to young Trainees. The policy will pay a tax-free lump sum if a player’s career is ended by injury.

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FCA Regulations

Special Risks Ltd is fully regulated, and is a Coverholder of Lloyds of London.

Pro-Secure is the trading name of Special Risks Ltd.  Special Risks Ltd is a company registered in England and Wales with company number 5295914 and registered address 3rd Floor, 69 Church Road, Hove, BN3 2BB.

Special Risks Ltd is authorised and regulated by the Financial Conduct Authority with reference number 526113.  You can check this by visiting the Financial Services register at or by contacting the Financial Conduct Authority on 0800 111 6768.

The Pro-Secure Personal Accident Insurance Policy is underwritten by Lloyds Underwriters, Axis Managing Agency Ltd.

Data Protection

Where personal information is collected about individuals in connection with the arranging of insurance, this information will be collected and processed in accordance with our Privacy Policy which can be viewed on our website Privacy Centre. Alternatively, you can contact us for a copy.


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