- Insured Defense is not available on the comparison sites
- Monthly premiums from £23 per month
- Salaried and self-employed income protection insurance for construction workers
Construction Worker Life Insurance, Critical Illness Cover And Income Protection
The Insurance Surgery is a leading insurance expert for people who have pre-existing medical conditions, dangerous occupations and extreme sports which includes Construction Worker life insurance, critical illness cover and income protection. For someone with a high-risk occupation who needs to protect their families or homes, they will need to consider the possibility of additional underwriting which could result in possible special terms being imposed.
Each insurer in the UK uses underwriters and criteria to assess risk based on their own view of each area of potential claims which includes when applying for Construction Worker life insurance, critical illness cover or income protection. The way in which you apply for cover will be exactly the same as anyone else with no alternative risks apart from additional questions relating to your job.
In this section of our The Insurance company website, we consider the effects of being a Construction Worker on an application for life insurance, critical illness cover and income protection.
There are a number of possible outcomes when making this type of application which can include an increase in the amount you pay each month for cover or possible exclusions imposed on your policy such as terminal illness benefits or occupational-related issues.
Some of the possible construction worker risks for life insurance:
Working at heights
Operating heavy and dangerous machinery
Using dangerous equipment or materials
Usually, the reasons for an occupation or job role being classed as hazardous, dangerous or higher risk is simply the type of activities involved as well as other external factors which result in potential increased risks of claim.
In the case of Construction Worker life insurance, critical illness cover and income protection there are some usual risks to consider as well as some more extreme risks depending on the type of role that you have in construction.
Underwriters will assess your circumstances based on what you disclose on your application about your occupation as well as your health and your lifestyle.
How Construction Worker Life Insurance, critical illness cover and income protection works:
Someone looking for Construction Worker life insurance, critical illness cover and income protection will need to disclose certain bits of information about their activities and other details such as:
What is your job role
How often do you work at heights
What heights do you work at
Do you work offshore
Construction Worker Life Insurance
You should be able to get a policy to cover for Construction Worker life insurance without any major issues and the premium you pay should also be the same as someone who doesn’t have a dangerous job. There are certain types of construction worker jobs which are classed as higher risk simply because of the types of activities that might be involved. Often we are approached by people in the construction industry who need life insurance to protect their families or homes and we aim to give them the lowest premiums.
Premiums for Construction Worker life insurance are based on:
How much cover do you need and what is your cover for
How long do you want to take the cover over
Which type of Construction Worker life insurance policy are you looking for
Your premiums will also depend on a number of other factors which will include your lifestyle and your health to give underwriters the information that they need to apply a final decision.
There are a number of health and lifestyle factors which can also have an impact on your Construction Worker’s life insurance premiums, such as:
Do you smoke or have you smoked in the past 12 months
How much do you drink on average per week
Have you got any pre-existing medical conditions
Do you take part in extreme sports
There are also a number of other policies that can be applied to protect your family and home which includes construction worker critical illness cover and construction worker income protection. It is possible to get these types of cover for construction workers and cover can be available at standard rates with no exclusions, however, it may be possible that you could have exclusions applied or your premiums might increase slightly.
Best income protection insurance for construction workers
If you are self-employed or a company director you can get a different policy. If you want contractor income protection insurance UK an advisor can help with the income protection insurance calculator.