Football, also known as soccer, is the most popular sport in the world, attracting 50 million players and 3.5 billion fans worldwide. Professional players can earn a tremendous amount of money and fame. But people often forget that they also face significantly high health and life risks - injuries, chronic pains, concussions, mental health, cardiovascular risks, accidents, etc. To mitigate such risks, football clubs and players seek insurance protection. What risk factors should insurers consider when underwriting these athletes?