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Life insurance for construction workers

When it comes to making the important decision of taking out a life insurance policy, many factors need to be considered. Life insurance for construction workers is no exception and in fact there is possibly more to think about than normal given how varying this job can be.

Whatever your situation, construction worker life insurance helps to ensure your family and home are secure if the worst were to happen to you. The good news is that life insurance cover is available from a variety of insurers and it’s rarely the case that construction workers will get declined solely due to their occupational risks.

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Can construction workers get life insurance?

YES – it is very possible for construction workers to get the life cover they need to protect their mortgage or family.

One important aspect of your life that insurance companies will ask about is your occupation and whether there are any risks involved. Of course, this can vary between construction workers depending on which part of the industry you work in and what the job entails, rather than there being one catch-all answer that covers all construction industry workers.

Due to the number of companies that will offer construction worker insurance, it is important to research the market to obtain the best cover and price for you, as no two insurers are the same.

As touched upon above, the variations between each construction role mean that there is a bit more to be considered than with other occupations. For example, some construction workers may work in a less hazardous environment while others may be at higher risk and involve working:

  • Offshore
  • In the oil or natural gas industry
  • At heights
  • As part of military operations
  • Abroad
  • With chemicals
  • In other dangerous environments

It is therefore extremely important for the insurer to be aware of all the facts, and likewise for you to choose an insurer that treats the risks of your job the most favourably.

In many cases, however, the outcome of your construction worker life insurance application will depend more on your medical history and whether you have any health conditions. In addition, some other factors to consider are your age and weight.

Is critical illness cover available to construction workers?

YES – similar to life insurance, critical illness cover for construction workers is also widely available and competitively priced. The same occupational risks from the life insurance section of course need to be considered, but there are some additional points to add on.

To name a few examples, some roles may put you at greater risk of:

  • Eye damage
  • Hearing loss
  • Chemical burns
  • Lung damage
  • Injury from equipment malfunctions

These potential risks come into play because critical illness cover is designed to pay you a lump sum if you get diagnosed with a serious condition, and some companies that provide critical illness cover include things like blindness, burns, and hearing loss in their critical illness definitions.

Therefore, these injuries or conditions could lead to a payout on your policy and some insurance providers may want to increase their premiums due to the added risk. Hence, it’s essential to choose a company with the most favourable rates.

The most common reasons for claims on critical illness cover are:

Is it possible for construction workers to get income protection?

YES – just like other types of cover, income protection insurance is readily available to construction workers depending on other factors such as age and general health.

The high risks of the more dangerous roles may be treated a little bit more severely with income protection compared to other types of insurance cover, which is because you are much more likely to receive a payout on income protection during the term of the policy. As long as the insurer is aware of your workplace risks then you’ll know where you stand.

Income protection will pay out a benefit each month if you are unable to work due to sickness or injury. Most payments will kick in if your GP signs you off for 4 or more weeks.

The monthly payment for income protection is calculated based on a percentage of your gross wage and thus offers a far higher level of cover than most sick pay schemes, especially statutory sick pay (SSP).

Income protection can help to pay for:

  • Mortgage or rent payments
  • Bills and other outgoings
  • School fees
  • Medical treatment

Construction worker statistics

Construction workers in general make up a huge percentage of the UK’s working population according to Statista, with approximately 1.43 million people employed in the construction industry in 2018 with a steady year-on-year rise in previous years.

The importance of life insurance cover becomes more apparent considering that workplace fatalities increased by over 25% in 2021 compared to 2020. Despite this, still only about 30% of the UK’s population has life insurance, leaving a huge number of people whose families would be left to fend for themselves if anything were to happen.

How much does construction workers life insurance cost?

This is a fairly common question, but unfortunately there isn’t a single straight answer. How much you ultimately pay for life insurance will be based on:

  • Your current age
  • Your lifestyle, such as smoker status
  • Type of policy
  • Length of cover (term)
  • Amount of cover (sum assured)

Learn more – Average cost of life insurance

Fortunately, it is possible to tailor your policy to suit your needs, making it easy to scale the cost of your monthly premiums to fit within your budget, or increase the amount of cover to make sure your family are provided for.

Our platinum rated advisors are specialist life insurance brokers offering a range of insurance services. Our friendly experts are on hand to provide advice and guide you through the process.

Useful resources

Finder.com – Life insurance statistics

Statista – Life insurance industry in the United Kingdom (UK)

iam|INSURED – Frequently asked life insurance questions

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