Did you ever think that what you do for a living may affect your ability to get life insurance? If your answer is ‘no’, you may want to ask your local insurance company if your profession is considered “high-risk.” Chances are you might not think it is, but it’s best not to leave it up to chance.
Whether due to the use of hazardous materials and substances, the maneuvering of heavy equipment, the use of sharp objects, or exposure to dangerous work environments, accidents and fatalities can happen on the job – and probably on a Monday.
Timber! Coming in at the top are Loggers who can boast that they have the most dangerous job in the country. Loggers have a death rate of approximately 165 per every 100,000 workers worldwide. These deaths are not only caused by falling trees and logs, but also due to the use of chainsaws, unpredictable weather, and the handling of heavy machinery. Buzzkill.
- Pilots and Commercial Fishers
Second place goes to Pilots and Commercial Fishers. Like loggers, commercial fishers work outdoors in areas usually far away from medical aid. If an incident occurs on the job, it takes time for the injured party to receive care. Commercial fishing has a death rate of 128 deaths per 100,000 workers. That bites.
Pilots have an average of 50 deaths each year per 100,000 workers, though most of these deaths are the result of bodily reactions – not plane crashes. Pilots are prone to stress, sleep deprivation, heart attacks, and exhaustion due to their long, inconsistent working hours. However, according to statistics, flying is still the safest way to travel (for the passengers, at least).
- Roofers and Construction Workers
Afraid of heights? Well, luckily, they’re not. The third most dangerous job in the world goes to Roofers and Construction Workers. Roofing is a high-demand job, with a death rate of about 35 per 100,000 workers. Because roofs sit high above ground level and are typically not a flat surface, roofers are susceptible to falling, tripping, and slipping, rain or shine. So the next time you hire a roofer, make sure to treat them kindly, because they’re the reason you have a solid roof over your head.
- Trash and Recycling Collectors
You wouldn’t expect it, but coming in at number 4 are Trash and Recycling Collectors with roughly 30 deaths per 100,000 workers. Sanitation workers suffer from atypical casualties caused by things like falling debris and severe lacerations. On the plus side, you can sometimes find valuable things that people have thrown out. You know what they say: one man’s trash is another man’s treasure.
Although the rate of deaths increases for truckers every year, in 2017, the death rate for trucking stood at 25 per every 100,000 workers. Out of all the jobs listed, trucking is the field with the highest volume of workers – over 3 million employed drivers hit the roads each day.
Trucking comes with a ton of pressure – or rathers, tons of pressure if you think about the cargo. There’s the pressure to stay awake no matter how tired you are, the pressure of dealing with traffic and making your deliveries on time, and the pressure of staying safe on the road despite other drivers.
Truckers don’t just drive; they also need to maintain lines of communication with dispatchers, customers, receivers, shippers, and other workers they encounter. Truckers spend more time away than they do at home, which can put strains on family relationships, so the next time you see a trucker on the road, don’t cut them off.
The most dangerous daily duty of them all, surpassing all job-related fatalities, is something we all do every day – getting into a car. Half of all job fatalities occur during daily commutes to and from work.
If you have a dangerous job and are looking to obtain life insurance, keep in mind that your premium will be more expensive. While every job has a down side, it’s important to do what you love. That’s why we’re here. Frontlight keeps you covered, no matter who you are or what you do. For those who deal with daily dangers on the job, we thank you.