The insurer still covers League and Union who get head high contact all the time.....Lots of sports don't have high contact rule.I think its pretty far down the Rabbit hole but if i was the insurance Company i would 100% be arguing it was Ginnivan who put himself in the position to cause damage to himself, it is as clear as day to anyone with common sense that it is Ginnivan intent to get a free kick, that intent is causing the head high contact. Not the tackler.
Staging in the AFL is a stupid thing, people ignore it when they benefit from it but if it is another team than its no punches pulled.
It is the AFL's fault its gotten this far, They never punish staging which the punishments they introduced and staging has been occurring well before Ginnivans entered the chat. it is a complete blight on the game that has allowed to foster because it gets rewarded.