Are Football Clubs Insured When a Player Dies: What Happens in the Aftermath of a Tragedy Like Diogo Jota’s Car Accident

With the start of the 21st century, football had already become a market with billions of dollars in investment every year. The figures have only gone higher and higher. The markets started to reach new figures every year, ever since Chelsea saw a new reign under Jose Mourinho in the early 2000s. The figures made new headlines every year, but it reached a shy-high in 2017 when Paris Saint Germain signed Neymar for a record transfer fee of €222 million. But, on July 3, 2025, an unfortunate incident occurred when star Liverpool forward Diogo Jota lost his life in a tragic car accident, along with his brother Andre Silva. Diogo Jota Dies: Liverpool FC To ‘Immortalise’ Jersey Number 20 After 28-Year-Old’s Tragic Death in Car Accident.

The incident made many question the fate of our lives, but from a business point of view, the question also arise as to what would happen to Liverpool. The Reds do have time to sign a striker to replace him from the 2025-26 season, but what about the millions they spent to sign the prolific talent? Afterall, Liverpool FC spent a huge €28 million in transfer fees in to sign the centre-forward Diogo Jota from Wolves in 2020.

Unfortunate events have occurred in the world of football on multiple occasions. While some players met with unfortunate ends to their lives in pitches, and training grounds, some like Diogo Jota this year, and Emiliano Sala (died in airplane crash) died in accidents while traveling. Even in the previous century, in the tragic Munich air disaster in 1958, many Manchester United players were killed. In today's world, we often do insurance of our lives, and valuables, to protect the future in case of any mishaps. On that note, read below and find out if football clubs insure their players against any unfortunate event like death.

Are Football Clubs Insured If A Player Dies?

Professional football clubs do have insurance policies for unfortunate events like in case of death of a player. These policies are in a broader part of a player's insurance package and are often offered by specialist firms. Clubs take life insurance policy on high-value players, to compensate in case of huge losses they incur over potential transfer value, commercial revenue packages, and future wage commitments. Diogo Jota Dies: Liverpool Flag Flown at Half-Mast at Anfield, Fans Pay Tribute After Portugal Footballer and His Brother Pass Away in Car Accident (Watch Videos).

For the elite players, football clubs do have AD&D (Accidental Death and Dismemberment) insurance, covering death cases during training, matches, and also travel. Liverpool FC is also expected to have an insurance for Diogo Jota. Clubs also take insurance for players based on their market value, to offset potential losses. Also, if there is any mishap during events involving national teams, FIFA and continental governing bodies like UEFA would pay the clubs, even in case of injuries.

(The above story first appeared on LatestLY on Jul 07, 2025 01:57 PM IST. For more news and updates on politics, world, sports, entertainment and lifestyle, log on to our website latestly.com).