Personal Accident & Sickness Insurance for Professional Footballers

About Us

We specialise in providing this insurance to Professional Footballers throughout Europe, and all our insurance is underwritten by Lloyd’s of London, the world’s leading market for specialist insurance.

We are delighted to have just signed an exclusive contract with The PFA which will provide a Pro-Secure Personal Accident Insurance Policy for every professional footballer in England (approx 4000) for the next three years.

We provide Personal Accident Insurance for individual footballers, this covers players against permanent total disability (career ending injury). The cover provided is 24 hours a day and on a worldwide basis. All our quotes are calculated on an individual basis, and are underwritten by certain underwriters at Lloyd’s as listed, Novae Syndicate 2007. If a players career ends through injury he will receive a tax free lump sum, subject to policy terms and conditions.

We can also provide quotations for Temporary Total Disablement cover – for temporary loss of wages for players or clubs, for example for a player who is injured and unable to play for 6 months.

Special Risks Ltd was founded by, Steve Foster, who represented England at the 1982 World Cup, and played for 22 years for Aston Villa FC, Luton Town FC, Portsmouth FC, Brighton & Hove Albion FC and Oxford United FC.

The Administration staff are Claire Castle, Leanna Cornelius and Nuriye Ozturk.


Gordon Taylor, Chief Executive, PFA, said;

“Every player runs the risk of career-ending injury which makes it imperative for every PFA member, irrespective of status or income, to protect their futures.  We believe all players should have their own individual Pro-Secure Personal Accident Policy in their own name to insure against the loss of future career earnings and secure their future.  This type of cover is particularly important for young players who need to insure against the loss of future career earnings.”

Special Risks Ltd is the leading career-ending insurance provider for professional footballers in Europe founded in 1994 by former England player Steve Foster.  It currently provides insurance cover worldwide. Special Risks Ltd has chosen Novae 2007, the market leader in sports disability insurance in the U.K., as insurance underwriters for this individually tailor-made policy.

As a former professional footballer Steve Foster, the founder of Special Risks Ltd, was the PFA delegate in 1996 for his team, Brighton & Hove Albion FC. When Steve retired he started a new business venture, offering professional footballers a Pro-Secure Personal Accident Insurance Policy.

Steve and Special Risks Ltd has worked closely with the PFA for many years, we have been a Business Partner of the PFA for the last five years, and our product, the Pro-Secure Personal Accident & Sickness Insurance Policy is the only policy of its kind to have the endorsement 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 will continue to do so for the next three years.

Professional Footballers’ Association and Pro-Secure Launch Career-Ending Injury Insurance Scheme For PFA Members 

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.

FCA Regulations

Special Risks Ltd is fully regulated
Pro-Secure is a 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, East Sussex, 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 SERVICES REGISTER or by contacting the Financial Conduct Authority on 0800 111 6768.

The Pro-Secure Personal Accident Insurance Policy is underwritten by Lloyds Underwriters, Novae Syndicate 2007


“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!”

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.”

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.”

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.”

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.”

Scott Barron – Former Millwall FC, Ipswich Town FC, Wrexham FC and Brentford FC left back


Should you require a quotation or if you have any questions regarding the type of insurance we offer please contact either Claire Castle, Leanna Cornelius or Nuriye Ozturk.

In order to obtain a quote we require the following information;

  • CLUB

Office hours Monday – Friday 9.00 – 5.30pm
Tel: +44 (0) 1273 722322
e-mail: or use the contact form on the right hand side

Special Risks Ltd
3rd Floor, 69 Church Road, Hove
East Sussex, BN3 2BB