Insurance from viewpoint of building of career of athetes in Italy

The paper is part of a project of Toyo University on "Modern Problems of Sports". The paper focuses on risk and insurance for athletes. Sport is a game characterized by a kind of intrinsic danger, in addition to pathological degeneration of the sport spirit that has led Italian case law to declare dangerous activities the organization of football matches at the professional level (Trib. Milano , 21-09-1998, DR, 1999, 23; Trib. Torino 11.11.2004, GI, 2005, 720). Let’s think to physical contact sports and to the agonistic motive that drives the individual to confront his biological limits in the practice of extreme sports. The idea of sport is thus related to the concept of risk recalling the insurance contract that is a contract founded on the existence of a risk (SCALFI, 355; DONATI-VOLPE PUTZOLU, 10). The idea of insurance from the point of view of the development of sports career concerns both the risk variation in career development and the need for coverage that allows the injured or ill sportsman to obtain the necessary medical care to resume his activity quickly. Last but not the least we can consider the development of policies that ensure body parts where the insured value is related to the sport's career. Sports insurance covers all risks related to sports activities such as liability for acts committed in sporting activities; injuries in the exercise of sports; illness states that are related to sporting activities or that can determine the impossibility to exercise sport; medical expenses; the loss of life in sports practice.