Football Insurance - The Sensible Sports Insurance
Around 20 years ago, a game came out on the popular gaming platforms of the time, called "Sensible Soccer". That name could be applied, now, to the football insurance policies promoted by sports insurance legends Lockton Sports, who have been providing the proper cover for sports people and their families for a very long time.
One doesn't often think of sports people as requiring particular insurance policies ones different from the everyday norm that is until, of course, one remembers that professional and serious amateur sports men and sports women are in the habit of putting themselves in harm's way on a daily basis. It's a special kind of harm too a harm that increases in potential both on and off the field of play pretty much in step with the increasing profile of a player's career. Take football, for example, and football insurance. Football players, as they get better, start playing for better clubs and earn more money, fall into a world of rapidly multiplying risks. First, the pace and frequency of their game increases. They are trained harder, which means two things they get fitter and they are more prone to injury. Sports insurance takes this sliding scale into account that the better a sports man or sports woman is at a sport, the more likely they are to receive a career threatening injury because they will be playing at a much more advanced level: where injury can mean lengthy periods of time without that income.
The money earned by top footballers becomes a risk in itself hence the need for proper football insurance. There's just as much risk of targeted burglaries and even blackmail attempts, in high flight football players, as there is of over training and injury. Good sports insurance is able to introduce premium calculations that protect famous footballers against the privations, or rather predations that can come with the life and wages of a sports person who lives in the public eye.
What about clubs? Football, of course, is an expensive game, requiring its clubs to operate in a pretty violent financial landscape. As such, the clubs themselves are often in need of a policy that can cover them in the event of unexpected changes in fortune, such as and including points docking and heavy fines. Professional football insurance policies (like the ones developed by Lockton Sports) can cover clubs against contract breaks, player loss, player injury and football business related financial issues.
All sports insurance is based on a simple premise: companies need special knowledge of the world of sport before they can adequately protect it. Businesses like Lockton, which have spent decades dealing with the particular issues that can arise in the life and work of a sports man, a sports woman or a sporting club, are ideally placed to source the best premiums for their clients premiums and insurance policies that legally protect them against misfortune, for the right price. The football insurance policies, in particular, really are sensible soccer without that kind of sports insurance, the people and clubs involved in the national sport would be open to damaging risk on a daily basis.