Football Player Insurance: Protecting Your Future

By Nathan Duthie, Insurance Broker, Miller-Insurance 

Personal accident insurance  

Who needs personal accident and injury insurance? 

If you’re a professional footballer and want to protect your future earnings against serious injury, it’s a good idea to have the right insurance in place. 

Whether you’re just starting out or already established in the game, personal accident insurance can play an important part in your wider financial planning. 

Professional footballers put in a huge amount of work to reach the top level, but many do not fully realise how much a serious or career-ending injury or illness could affect their income and long-term financial security. 

What is personal accident and injury insurance? 

Football player insurance can include cover for career-ending injury or permanent total disablement (PTD), as well as income protection or temporary total disablement (TTD). 

Our experienced team works closely with players and/or their representatives to recommend policy options that fit their individual circumstances. We look at things like:

• the country you play in 
• the type of financial protection you need 
• the terms of your playing contract 
• how long your current contract runs for 
• your potential future earnings 

Contracts and club obligations can vary across Europe, so it’s important to understand what applies where you play. 

If you give us the details, we can take it from there. 

Why should I get insured? 

Insurance gives professional sports people and their families peace of mind and financial protection if an accident or illness interrupts or ends a player’s career. 

Your contract will usually determine how long your club has to keep paying your salary after a serious or career-ending injury. That can vary depending on both the contract itself and the laws of the country you play in. 

In some cases, if the worst happens, a club may be able to terminate a contract and stop paying salary after six months. That is why personal accident & illness cover can be so important, it helps protect your financial future if the unexpected happens. 

Why should I consider Miller for personal accident insurance? 

Miller has one of the largest international sports and entertainment broking teams. Our specialists understand the pressures professional footballers face, and some of them are former sports professionals themselves. 

That means we can offer insurance solutions that are tailored to the realities of the game. 

• We arrange personal accident and illness insurance for more than 1,500 players across Europe. 
• We work with all 20 Premier League clubs.
• More than half of the men’s England and France squads are Miller clients.
• We insure 40% of the England women’s football squad.

Our policies also include additional benefits designed to meet the changing needs of professional footballers today, including mental health support and academy player reimbursement. 

Does Miller offer other insurance cover? 

Yes. As a specialist insurance broker, Miller can also help with other types of cover, including home, car and jewellery insurance.   

Who do I speak to if I want to find out more? 

Get in touch with our specialist team: 

Personal accident:

Nathan Duthie  +44(0) 7913919211  
nathan.duthie@miller-insurance.com 

Car insurance:

James Dayton +44(0) 7762215815 
james.dayton@miller-insurance.com