In the life and Health Insurance field, there is a huge variety of risks that insurance companies factor into their determinations on the level of premiums they charge if they approve small business insurance plans for the top 10 Dangerous Jobs.

Companies that draw up small Business Health Insurance plans or small business group health insurance policies will, for the most part, assess standard risk factors that are connected with your current health condition and your previous health record.

These include lifestyle considerations such as cigarette smoking, alcohol consumption. However, small business health insurance plans will also consider the occupation of the applicant. The fact is, some occupations are more hazardous than others. And those who undertake the top 10 dangerous jobs will pay higher premiums than those who work in the least hazardous professions.

Top 10 Dangerous Jobs

The top 10 dangerous jobs, which attract the highest small business health insurance quotes, include: agricultural management; construction; roofing & scaffolding; heavy transportation; joinery & painting; vehicle mechanic; electrician; civil engineer; refuse collection; and business travel in high-risk countries.

1. Agriculture

Agriculture is one of humanity’s longest established and most vital sectors, both for basic survival (provision of food) and for the economy. Farming is labour intensive, required in all seasons, and involves working with heavy and dangerous machinery.

For this reason, in any part of the world, agriculture is the sector that attracts the highest small business health insurance quotes. In addition, working in close proximity with animals poses other risks to farmers, and, according to global job search experts Adzuna, the jobs is officially not only one of the top 10 dangerous jobs, but the most deadly job in the UK; period. There were 167 agriculture workplace deaths in the UK during 2016.

Average UK wage: £22,157 (farm worker) – £21,203 (tractor driver)

2. Construction

During the past year there were 101 deaths on building construction sites in the UK, and approximately 50 percent of these occurred as a result of a fall from a height.

According to the UK’s Office for National Statistics, almost 850 people have died at work between 2010 and 2016. The ONS data reveals falling to have been the most common cause of death, accounting for 268 deaths in the past year alone.

The data in relation to building site fatalities in the UK reveals that falling objects pose another significant risk to, making it one of the top 10 dangerous jobs, probably not just in the UK but anywhere in the world.

Average UK wage: £18,080 (labourer)

3. Roofing & Scaffolding

Falling was also the leading cause of workplace fatalities in the roofing and scaffolding sector. Roofing & scaffolding is another of the top 10 dangerous jobs, with 69 deaths having occurred in this sector during the past year.

Data from the ONS also confirms that excavation accidents (collapsing materials) and electrocution have also been significant factors in fatalities throughout the 2010-2016 period.

Average UK wage: £24,214 (roof tiler) – £33,800 (scaffolder)

4. Heavy Transportation

Whether working on the road, by rail, air or on the water, drivers of heavy transportation (and sales and coordination personnel) deal with long, strenuous hours.

In the UK, there were 41 deaths that occurred among drivers of Heavy Goods Vehicles during 2016. However, approximately 25 percent of these fatalities were caused by other moving vehicles on the road.

The risks are mirrored across the globe. For example, in the US, transportation & warehousing-related incidents accounted for more than 40 percent of fatal work injuries during 2012.

According to the Bureau of Labor Statistics, there were 1,789 transportation-related fatalities that year, approximately 58 percent of them involving motorised land vehicles. There were also 677 deaths in the private sector transportation and warehousing industries that year. Interestingly, there was a 6 percent reduction in fatalities in the truck transportation sub-sector, and there were also fewer fatalities in water and rail transportation. However, there was a slightly higher number of fatal work injuries in air transportation that year.

Average UK wage: £23,376

5. Joinery & Painting

While joiners and painters might not immediately be associated with danger and high risk, the ONS confirms that there were 28 workplace deaths recorded in the UK’s joinery and painting trades during 2016. Of these fatalities, 18 occurred as a result of a fall.

Average UK wage: £23,796 (painter) – £33,147 (joiner)

6. Vehicle Mechanic

Given the amount of heavy machinery, high speed grinders, drills and other tools used by vehicle mechanics, it’s not surprising that the profession of vehicle mechanic is regarded as high risk. And indeed, there were 26 workplace deaths in the UK’s vehicle maintenance and repair sectors during 2016. However, not all of these fatalities occurred in the garage or shop. A number of them occur as a result of call-outs to breakdowns.

Average UK wage: £28,269

7. Electrician

This manual installation profession is among the most high-risk jobs, but perhaps not for reasons that might be expected. Once again, the greatest risk to safety is working at heights. Falls accounted for the majority of the 26 workplace fatalities among electricians in the UK during 2016.

Average UK wage: £30,042

8. Civil Engineer

Civil Engineers encounter a broad range of risks, depending on the nature of the project they are engaged on. While the average wage for a Civil Engineer is one of the highest for the professions featured on this list, the risk of accident or fatality is by no means insignificant. No fewer than 20 civil engineers died in the UK during 2016 in accidents that involved a range of factors, including collapsing excavations; being struck by vehicles; electricity; hypothermia; and heavy machinery.

Average UK wage: £39,186

9. Non-Hazardous Refuse Collector

The collection of waste and refuse, even non-hazardous refuse, is not only one of the dirtiest jobs, it can also be one of the most high-risk. During 2016, there were 20 deaths in the UK’s non-hazardous waste collection sector, most of them occurring as a result of operation of heavy machinery and heavy vehicles.

Average UK wage: £17,591

10. Business Travel in High-Risk Countries

International business travellers, including senior executives and CEOs, might not immediately be considered risky, but those who travel to high-risk countries may certainly entail higher insurance premiums. Whatever your level in a company, if you’re travelling to high-risk areas to develop new projects or manage existing ones, this will almost certainly result in higher insurance premiums.

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