Do you think it is considerably helping your website?
If you do not think it is helping, then there is likely little risk to disavow it. You are either disavowing a bad link or disavowing a worthless link which won't impact your rankings.
If you do think it is helping your website rank, then you should look into building replacement links that are safer. Worst case scenario you lose a good link but develop several others so overall you have a net benefit.