Life Insurance for Construction Workers

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There are a variety of options available for construction workers who want to provide for their family, protect mortgage payments or bills should an accident happen whilst engaged in construction activities. Construction work spans a number of different industries and activities and each brings a different set of risks. 

Depending on the nature of the construction work and the risks involved certain exclusions or restrictions may apply to certain types of financial protection for construction workers. When you enquire your specialist adviser will discuss the cover options available to you based on your construction work activities.

Each enquiry for financial protection is individual and we will discuss the risks involved in your lifestyle and construction work activities. This may involve a discussion of factors that span your lifestyle, work and any qualifications relevant to your industry. 

Different providers of cover my ask additional questions relating to an enquiry for life insurance for construction workers, examples of some of the questions they may ask are:

• What is your role in the construction industry?
• In which construction sector or industry do you work?
• What type of construction activities do you participate in?
• Do you work at heights and to what height?
• Do you use any dangerous equipment, machinery or chemicals?
• Are your construction activities limited to the UK or do you work overseas?
• Do you undertake construction work offshore?
• How many hours are you engaged in construction work vs office-based hours?
• What is your income (for Income Protection Cover)?

Construction workers may be looking for cover because of the hazardous nature of their activities. We will want to discuss the types of activities you are involved in as part of your enquiry about construction worker insurance cover. 

Construction roles are varied with some carrying more risks than others. Examples of some of the types of construction activities you will want to discuss with us include:

• Air conditioning work
• Brick laying
• Building
• Carpentry
• Commercial building
• Concrete work
• Drainage
• Electrical work
• Excavation
• Flooring
• Heating
• Insulation
• Landscaping
• Paving
• Painting
• Plastering
• Plumbing
• Roofing
• Security
• Scaffolding
• Window fitting

Whatever your role in the construction industry please feel free to contact us today to discuss your financial protection needs and the options available to you.

Critical Illness Cover for Construction Workers:

Critical illness cover is a way to cover specific illnesses or medical conditions that might disrupt your life, family and finances. Anyone who takes part in construction work and enquires about critical illness cover will have their enquiry assessed against the activities they pursue. Cover for different types of construction activities will be assessed differently. 

Cover for some construction activities may be offered at standard rates with no special terms imposed whilst participation in other construction activities may result in premium loadings, special terms, restrictions or exclusions. Your occupations specialist at Sports Financial Services will talk you through the options available to you. 

Income Protection for Construction Workers:

Another important cover to consider is income protection, particularly if you take part in hazardous activities like construction work. Income protection could provide you with peace of mind if you are unable to work due to injury or sickness. 

If you have a loan, mortgage, credit cards, regular bills or family financial commitments then you may want to consider what would happen if you were unable to meet the payments because of a loss of income if you are unable to work.  

Applications for income protection are dependent on many factors, for example, whether you have previously suffered any injuries as a result of your construction worker activities and whether they have caused you to have a significant amount of time off work. 

Again, like critical illness cover, participation in some construction activities may result in premium loadings, restrictions or exclusions. When you make an enquiry for construction worker life insurance your adviser at Sports Financial Services will discuss your needs and the options available to you.