Renato Tapia and the Importance of Insurance in Football: A Case that Generates Reflection

Footballer Renato Tapia has caused a stir in the sports world by deciding not to participate in the Copa America taking place in the United States. The reason behind this decision lies in the lack of a football 'labor' insurance to support the player, a situation that has highlighted the importance of having the necessary protections for footballers in case of injuries or unforeseen events. Renato Tapia's contract with the Spanish team Celta de Vigo is set to expire on June 30, leaving him in a vulnerable position without an extra coverage to support his monthly remuneration. Faced with this uncertainty, the player requested from the Peruvian Football Federation (FPF) an insurance that would cover his income during the Copa America, as playing without this protection would pose a risk to his integrity and financial stability. In discussions with Eduardo Chávez de Pierola, legal manager of the Peruvian Association of Insurance Companies (Apeseg), the types of insurances that are activated for footballers in situations like Renato Tapia's were detailed. According to Chávez, players have a FIFA insurance that protects them during matches and training sessions, covering medical and remunerative aspects in case of injuries. There are two fundamental types of insurances for footballers: health insurance, which covers medical needs in case of injuries, and Permanent Disability (Loss of Earnings) insurance, which allows the player to receive their salary in case of accidents that prevent them from working. These protections are essential to ensure the financial and physical stability of athletes in adverse situations. The cost of these insurances can be significant, as mentioned by Chávez de Pierola, who pointed out that for a player earning US$100,000 per month, the loss of earnings insurance could cost between US$35,000 and US$40,000 per year. This figure reflects the importance of having adequate financial support to deal with possible contingencies that may affect a footballer's career. It is crucial for clubs and sports federations to take responsibility for acquiring these insurances to protect their players, as in the case of Renato Tapia, where the FPF had to manage the obtaining of the necessary policy. The lack of these protections can leave footballers in a vulnerable position in case of injuries that affect their performance or their ability to generate income. Jose Eduardo Maco, an expert in Sports Administration and Business, highlighted the importance of complying with the clauses of insurances intended for footballers, as the non-compliance of certain conditions can leave the player without coverage in critical moments. It is essential for athletes and sports entities to be aware of these regulations to ensure adequate protection against eventualities. The case of Renato Tapia underscores the need for specialized insurances to support footballers in all stages of their careers, from injuries on the field to contractual situations that may affect their financial stability. The safety and well-being of athletes should be a priority, and having the necessary protections is a fundamental step in that regard. In an increasingly competitive and demanding sports environment, the importance of insurances for footballers becomes crucial to ensure their peace of mind and stability in a world full of uncertainties. Renato Tapia's experience serves as a reminder of the importance of planning and adequately protecting oneself in a sports world where risks are constant, and where prevention can make the difference between success and adversity.