News, Culture & Society

10 Jobs That Should Be Covered By Insurance

Companies must take care of their workers well and protect them from financial losses if they injure themselves at work. It is usual for most companies to provide insurance cover for their employees as part of the welfare scheme, which is over and above the other benefits and perks offered to employees. Fatal work injuries outside the armed forces are quite common, and the rate of deaths could go up for industries that provide services that involve high risk.

Here are some jobs for which it is mandatory to have insurance.

Logging workers

Felling trees is one of the riskiest jobs because of the surroundings, which are usually across the wild terrains, and the nature of the work in itself is dangerous. Handling the tree cutting equipment is a big hazard because the slightest negligence or distraction can turn fatal. Considering a fatality rate of 132 per 100,000 in the US, it qualifies as the most dangerous industry.

 Fishers and fishing workers

Navigating the seas and large water bodies is no mean task and fraught with dangers, many of which are quite unpredictable. The International Labour Organization (ILO) lists fishing as one of the most dangerous professions. According to the ILO statistics, 24,000 fishers and fishing workers lose their lives while on the job.

Aircraft pilots and aircraft engineers

Aviation is a high-risk business, as any aircraft pilot would admit because the thrills of flying high and leading a high flying life are momentary. In contrast, the threat to life remains an integral part of the profession. Despite the best efforts to ensure aviation safety, accidents do happen and prove fatal in most cases.  There is no respite from the risk until the pilots can ensure a safe landing. With 40 fatal injuries per 100,000 persons in the US, the extent of risk is quite understandable.

Earthmoving jobs

Maneuvering giant earth-moving machines like excavator, grader, loader, compactor, bulldozer, and locomotive requires high skills and courage, and the incidents of accidents and injury are relatively high. Companies handling earthmoving projects at construction sites and other places take earth moving insurance to protect their workers and themselves.


Working at a height carries many risks, and it is evident that roofers belong to a high-risk group of professionals. Rooftop workers face many hazards, and there are incidents of roofers falling through skylights or tripping over the edge. Sometimes the use of improper equipment or accessories can pose a danger to roofers, too, while loose debris like hanging tree branches pose tripping hazards.

Refuse and recyclable material collectors

Solid waste management has various occupational risks for workers who handle the refuse as well as recyclable materials. The waste collectors face multiple hazards as they are prone to cuts and wounds besides encountering a high risk of developing morbidities while working in some specific situations. Chances of being caught in the processing equipment and fires and explosions and injury from glass shreds are quite common.

Steel structural workers

Falling from a height is one of the most occurring accidents for steel structure workers, while the chances of injury from falling objects pose a serious threat. Flying splinters cause eye injury that and even turn to blindness, and with a fatality of 30 per100, 000 workers, the professionals surely need insurance cover.

Truck drivers

Driving poses immense risks, especially for truck drivers who work almost around the clock and odd hours. Road accidents account for a high fatality rate, and the arduous task leads to many health problems ranging from obesity to cancer and diabetes and high blood pressure. The health issues increase the chances of accidents, and insurance coverage is a must for these professionals whose fatality rate in the US is 24 per 100,000.

Farmers and agricultural managers

Farming might appear to be a risk-free job but going by the US statistics that show 22 fatal injuries per 100,000 farmers figure in the list of professionals who carry considerable risk and needs insurance cover.

Lawn service and landscaping supervisors

Although the supervisors’ risks of landscaping and lawn service often escape the eye, they also figure in the list of risky jobs that require insurance coverage.

Author Raymond James:

Ray is a sought after thought leader and an expert in financial and money management. He has been published and featured in over 50 leading sites and aims to contribute articles to help novice financial planners. One of his goals is to impart his knowledge in finance to educate and help ordinary people create and achieve their financial goals.