Occupational Safety and Injury Risk in Professional Football: The Portuguese Framework in Comparative Perspective

Professional football players face considerable occupational hazards, with injuries posing serious challenges to player safety, club performance, and regulatory oversight. This descriptive study examines the multifaceted implications of Portugal’s Laws No. 48/2023, which formally recognises professional football as a high-risk occupation and strengthens the mandatory insurance regime through a major regulatory update. Adopting a qualitative approach, the analysis focuses on Portugal, where the professional football business model heavily relies on player commercialisation, and compares regulatory frameworks in Spain, Germany, England, Italy, France, and Brazil. Findings indicate that Portugal’s legal framework enhances player safety by ensuring comprehensive coverage and improved disability protections, yet also introduces financial pressures on clubs, particularly those with lower economic capacity. These pressures are exacerbated by limited market competition and high insurance concentration, increasing premium costs. Cross-country comparisons reveal persistent disparities in legal standards, insurance scope, and institutional coordination, which complicate risk allocation in an increasingly globalised football market. Notably, Portugal’s high-risk insurance model most closely aligns with France’s hybrid approach, in contrast to fully public schemes seen in countries like Germany and Italy. While complete harmonisation remains challenging, the study identifies key principles to guide policy reform and international cooperation. Overall, the findings advance understanding of occupational risk regulation in sport and offer practical insights for designing effective, equitable, and safety-oriented protection systems for professional athletes.