Life Insurance, Critical Illness Cover and Income Protection for people with Hazardous Occupations

If your occupation involves a risk that is higher than normal then obtaining insurance can be difficult, or very expensive, if you choose the wrong insurance company.

Here at the Special Risks Bureau we understand how important insurance is. We work for you to ensure that you get the best price for your cover with the least hassle.

For more information on specific occupations please select here:

Alternatively please take a look at our complete list to find details about how your insurance can be affected by your occupation.

Insurance for High Risk Occupations

High risk occupation window cleaner

Some examples of high risk occupations are:

For policies such as Life Insurance, Critical Illness Cover and Income Protection, occupations such as these are all seen to have an inherently higher degree of danger and thus an increased risk. Life Insurance and Critical Illness Cover can often be placed at either normal terms (no price increase) or special terms (with a price increase). Income Protection Insurance can be difficult to place not only due to the increased chance of injury but due to the strict medical requirements that need to be met to do your job.

If you choose the wrong company to place your cover with then you are likely to overpay for your policy by a substantial measure.

What Will the Insurers Need to Know?

Each insurance provider is different and the questions asked may differ depending on if you are looking for Life Insurance, Critical Illness Cover or Income Protection Insurance. In some circumstances insurers may not go into great detail about your regular working tasks, however for occupations such as the Armed Forces, scaffolders and private security there will be more thorough questions asked.

An example of some of the questions you may be asked during the application process include:

  • Where you are based (country of work, offshore/onshore)
  • Regular working tasks
  • Nature of hazard (explosives handling, chemical exposure)

Each of these factors (along with others) are considered by the individual Insurer who then analyses the risk that these present against the cover you require.

How the Special Risks Bureau can Help?

As there are a range of insurance companies in the UK, all with different acceptance criteria and prices, it is essential that your cover be placed with the right one. Some policies may have exclusions that relate to high risk occupations and some may increase premiums to cover the extra risk. In some situations however you might be able to source the cover at a standard premium with no occupational exclusions and no price increase.

It is therefore very important to either speak to an insurance adviser or fully research the cover you require to ensure you are adequately protected at the right price.

Here at the Special Risks Bureau we have years of experience in placing cover for people with hazardous occupations. For a free quote please call us on free phone 0808 1782 777 or request a quotation online.

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Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

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Please feel free to request a quote from us using our online form. As a broker we search a fair analysis of the whole market and will always take your specific risks and concerns into account. For this reason we do not currently offer prices online but will always do our best to reply to you by email, text or phone as soon as possible.

The more information that you can provide us about your health conditions, hobbies, travel and/or occupation the better as this will help us to provide the most accurate indications of price.

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