Insurers are facing growing exposure to legal claims arising from brain injuries in female Australian Football League (AFL) players, with significant implications for liability coverage and premium stability. Emerging medical research confirms that women are more susceptible to concussions, yet safety protocols in women’s leagues lag behind their male counterparts. The post-mortem diagnoses of chronic traumatic encephalopathy in players like Heather Anderson and Jacinda Barclay underscore the seriousness of this risk. If the AFL men’s class action succeeds, it could pave the way for similar claims from female AFL players, potentially triggering a surge in litigation and insurance costs. This may also impact the viability of grassroots clubs reliant on affordable coverage. Insurers must proactively engage with clubs and governing bodies to clarify policy terms, assess exposure, and implement risk mitigation strategies. Without intervention, this evolving issue could lead to premium blowouts and long-term financial strain across the sporting sector.