Construction Worker life insurance, critical illness cover and income protection
Sports Financial also specialises in offering expert insurance advice for people who have dangerous or hazardous occupations, such as Construction Worker life insurance, critical illness cover and income protection. For anyone whose job involves activities such as either:
- Working in dangerous environments
- Working at heights
- Dealing with hazardous materials
life insurance, critical illness cover or income protection for construction workers can result in a number of different outcomes due to the fact that building or construction can be hazardous for a number of reasons. There are also additional reasons why you may want to consider Building / Construction Worker life insurance, critical illness cover and income protection as there are increased risks of accident, injury or even worse in this type of working environment.
Our team of insurance specialists has helped a large number of people to protect their families, homes or businesses regardless of their sport or occupation. Builder life insurance, critical illness cover and income protection cover terms can vary dramatically from one insurance provider to another so it is important to speak to an expert like Sports Financial.
Types of construction workers:
- Brick layer
- Crane driver
- Civil Engineer
There are a vast number of different types of construction workers so contact Sports Financial to find out more about your job.
Construction Worker life insurance
The vast majority of dangerous or hazardous occupations will require additional underwriting which includes most types of Building / Construction Worker life insurance. In most cases we see for Building / Construction Worker life insurance you should be able to get cover at the insurers standard rates where the duties or activities are classed as lower risk. In some cases where there are slightly more dangerous activities such as working at extreme heights or working with hazardous materials then you may find that cover could be offered with some form of premium loading to reflect the increased risks.
Some of the main considerations for Builder life insurance include:
- What is your role in construction
- Do you work at heights regularly and what heights do you go to
- Does your job involve working with dangerous machinery or materials
There are also several other normal factors which will impact the premium that you will pay for Building / Construction Worker life insurance, such as:
- Level of cover (£’s)
- Length of policy (years)
- Type of cover
If you are looking for advice or a quote for Building / Construction Worker life insurance then you should contact one of our specialist advisers on 0345 565 0935.
Construction Worker critical illness cover
You should also be able to get Building / Construction Worker critical illness cover with no major issues in most cases, especially where your duties are not classed as particularly dangerous. There are some reasons why Building / Construction Worker critical illness cover may be offered with some restrictions or potentially with an increase in premiums due to an increased level of risk. You may also find that Total and Permanent Disability could be excluded from your offer of Building / Construction Worker critical illness cover due to the risks relating to this benefit.
If you have applied for Building / Construction Worker critical illness cover previously and been offered a policy with an increased premium or even declined cover altogether then you should speak to one of our experts.
Construction Worker income protection
It is also very possible to get Building / Construction Worker income protection in the majority where the activities or duties are considered to be lower risk.