The impact of high risk jobs on your home insurance

There are a number of jobs that entail elevated levels of risk and when it comes to getting insurance when you have a high risk occupation, your job can hold you back.

risk blackboard diagram

The impact of high risk jobs

Now there's an element of danger with almost every job (that's why you see those Health and Safety Executive posters plastered everywhere) and, if you believe the statistics, just being in your home can be comparable to participating in an extreme sport (in terms of danger of death or personal injury). But the risk you encounter on an everyday basis is nothing next to the risk faced by people in high risk jobs, where much fewer people undertake them and the proportionate accident rate is far greater.

In the UK, the typical types of employment associated with extra risk are divided amongst several categories; working at heights, the oil/gas industry (off-shore work in particular), fishermen, pilots and the armed forces.

A concern worldwide

These might be the most prominent risky jobs here in the UK, but there are a number of others which pose concern worldwide (many of which can still be found domestically as well). Agriculture, forestry and logging are considered highly dangerous industries, owing to the extent heavy machinery is used (and what it is used to do) in many associated positions.

For similar reasons many manufacturing trades, construction work and mining operations will be associated with similar danger levels (though other factors may also be involved with each). Emergency services and health care roles (including the police, fire-fighters, ambulance and other health professionals) all come with inherent dangers, whether from violence, fire or exposure to infection.

Criminal behaviour or violence

Though not often associated with particularly hazardous conditions, some customer service sector jobs can be dangerous too, particularly where staff may be exposed to criminal behaviour or violence (like bar staff and bank tellers). Though it might stand to reason that pilots are at higher risk, you might not realise that people in transport and logistics on land are at risk too (though we are constantly hearing that "statistically" planes are safer than all other forms of transport).

Risk is a bit like a sports injury; the longer you keep putting weight on it, the worse it is likely to get. If you drive to and from work every day, you will be facing a limited amount of unknowable risk, but if your job involves driving around all day then the risk of having an accident increases significantly. Then if you spend your whole day driving around a war zone or at high speeds in an emergency response, the risk increase is almost exponential!

Risk identification

At the end of the day, if we think of risk identification as a numbers game, we can begin to understand the variables involved in assessing each case. It is important to remember that the chances of something happening are rarely nil, but they can easily be negligible. Some characteristics of a hazardous work environment can be used to understand what risk we might be at.

Often risk can be managed through the implementation of control measures in posts where risk can never be fully removed from the equation, either through training or provision of specialist safety equipment, but when you have a dangerous job it is vital that you take a responsible approach to personal safety and the safety of others.


If you have a high risk job, you are likely to need high risk occupation home insurance. Many standard providers are reluctant to issue home insurance occupation cover to people with dangerous jobs, because they believe the risk you face will adversely affect them. Dangerous occupation home insurance can still be obtained from a specialist non-standard insurer. For high risk occupations and home insurance cover or armed forces home insurance you can get a competitive online quote from HomeProtect.

Get cover, even with a “hard to insure” occupation

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