football insurance

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

  • 5% of sum insured to a maximum of GBP 100,000 if diagnosed with Mental Illness
  • GBP 75,000 paraplegia, quadriplegia, hemiplegia and total severance of limb(s)
  • GBP 30,000 re-training (only applicable if Underwriters have paid a valid claim)
  • GBP 10,000 benefit for loss of hearing
  • GBP 10,000 benefit for loss of speech
  • GBP 750 per week coma benefit (max of 100 weeks)
  • GBP 10,000 funeral expenses benefit
  • GBP 600 (each 24 hour period) hijack benefit

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

Career Ending Injury Insurance for Footballers

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Call us on 01273 722322

“I would encourage any player, in any league, to buy a Pro-Secure Career-Ending Injury Policy. They should think about how they would cope financially if their career was to suddenly end as a result of an accident or illness. My claim was dealt with quickly and efficiently and knowing that the policy is recommended by the PFA gave me real peace of mind. You guys were fantastic, I owe a debt of gratitude to how smooth you kept an already difficult decision!”

football insurance

Gareth Williams

Former Scotland, Watford FC, Leicester City FC and Bolton Wonderers FC midfielder

“The assistance that Special Risks Ltd gave to me while my claim was being reviewed was really helpful and supportive.”

football insurance

Marc Bircham

Former Millwall FC, Queens Park Rangers FC, and Yeovil Town FC defensive midfielder

“I was so relieved to have a career-ending injury insurance policy, all players should buy one as you never know what’s around the corner. When I suffered a car accident the tax free lump sum gave me and my family some piece of mind.”

football insurance

Darren Way

Former Yeovil Town FC midfielder

“I am so grateful to the PFA for recommending the Pro-Secure Personal Accident Insurance policy to me. When I suffered a career- ending injury the PFA and Special Risks Ltd guided me through the claim process and kept me informed at every stage, which I really appreciated as it could have been a very worrying time for me and my family. I would recommend all players to get a Pro-Secure policy.”

football insurance

Neil Mellor

Former Liverpool FC, West Ham Utd FC, Wigan Athletic FC, Preston North End FC and Sheffield Wednesday FC striker

“’Knowing that I had my own Pro-Secure Career Ending Injury Insurance Policy made my retirement from professional football less worrying and helped provide me with financial stability for my future. Special Risks Ltd and the Underwriters, Marketform, were really helpful and dealt with my claim quickly. I believe all players should have their own Career Ending Injury Policy, I was so relieved to receive my tax free lump sum.”

Football Insurance

Scott Barron

Former Millwall FC, Ipswich Town FC, Wrexham FC and Brentford FC left back

My family and I are so pleased to have had the Pro-Secure Career Ending Insurance Policy, when my career came to an end it provided financial help at a difficult time.  The team at Special Risks were helpful and guided me through the process.  Every professional player should have a policy, you never know when an accident can happen and bring your career to an early end.

football insurance

Lee Hills

former Crystal Palace FC, Stevenage FC and Whitehawk FC defender.

When my career was cut short by injury I was so relieved to have a Career Ending Injury Policy with Pro-Secure.  The team at Special Risks made sure the claim process was straight forward, simple and kept me updated at every stage.  To receive a tax-free lump sum is reassuring for me and my family, every footballer should have this insurance!

football insurance

Samuel Ricketts

former Swansea City FC, Hull City Fc, Bolton Wonderers FC, Wolverhampton Wonderers FC and Coventry City FC defender.
Football Insurance

September 2017 Press Release

"Special Risks Limited are the longest serving business partner of the PFA and provide PFA members with career ending insurance cover under the PFA’s Accident and Sickness Insurance policy.

We are delighted to have recently entered into a new three-year deal with them to provide this cover for our members.

Special Risks is a privately owned company who endeavour to ensure the players’ best interests are covered. They are well established within the game and have collected claims on behalf of players in excess of £16 million which has provided financial security to players who have had their careers cut short due to specific injuries.

Injuries are part of professional football and therefore we recommend that all professional players look to protect their futures and take out a career ending insurance policy. We would recommend that they seek a quote and further information from Special Risks."

Gordon Taylor, Chief Executive, PFA

The PFA & Us

pfa logoSpecial 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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