Have you ever wondered what are Australia’s ten most-dangerous jobs? You’ll be surprised what tops the list.
Life rarely offers certainties and you never really know what tomorrow might hold. This is probably why more and more people look for insurance alternatives of different kind.
But did you know that the level of risk your life carries has a direct bearing on the cost of life insurance policies? Well, it certainly does and your profession can play a role as well.
finder.com.au has compiled a list of Australia’s top 10 most dangerous jobs of 2013 to help people realise the dangers associated with different professions. While this list throws light on some of the riskiest jobs, it goes without saying that your job does not have to be in this list for you to seek suitable life insurance. After all, insurance protects you from the unexpected and the unexpected could be right around the corner.
The top ten most dangerous jobs in Australia
finder.com.au has put together a list of Australia’s 10 most dangerous jobs after analysing different occupations as well as taking into account results from Safe Work Australia and Australian Bureau of Statistics in regards to work related injuries and compensation claims. Additional sources comprise of a report released by the US Bureau of Labour Statistics surrounding the world's most dangerous jobs, as well as data from Yahoo Finance and listverse.com.
This is not a ranked list, although working as a commercial fisher is widely regarded as the most dangerous.
- Commercial fisher - The sea is as unpredictable as unpredictable gets and the risks associated with this job are numerous. Commercial fishing, when compared to mining, is 17 times more dangerous.
- Trucker - As per the Federal government, truckers face ten times more risk of dying on the job when compared to all other jobs. In 2011, 200 fatal road accidents involved truckers and these accounted for 15% of all road fatalities in that year.
- Miner - Explosions and toxic gases result in around 50 to 60 miner deaths every year.
- Farmer - Being a farmer accounted as working in one the top three most dangerous jobs in 2008.
- Garbage collector - While garbage collectors face the risk of road accidents, they also face long term damage owing chemical and toxin exposure on an ongoing basis.
- Law enforcement officer - Australia witnesses the murder of around one police officer every year. Additional risks include assault, injury, abuse and exposure to infectious diseases.
- Construction worker - As per Leighton Holdings, around 40 to 50 construction workers die at construction sites every year. 2013 has seen 13 on-the-job construction worker deaths.
- Tree lopper - Tree loppers risk working with chainsaws, unsteady branches and overhead electric wires. Five tree loppers died in Sydney from 2010 to 2012.
- Firefighter - Day to day accidents along with out-of-control bushfires put firefighters in the face of risk. Around 20% firefighters die because of burns and asphyxiation, 20 to 25% die owing to crashes, 27% deaths are trauma related and 44% die because of heart attacks.
- Pilot - Although pilots are highly trained, they still face risks of unpredictable weather conditions, mechanical failures and other hazards.
While these jobs are riskier than most others, you should definitely consider seeking insurance regardless of what you do for a living. Comparing options is important given that costs and cover details can vary significantly and this is easy to accomplish owing to sites like lifeinsurancefinder.com.au.
Jobs and risks
Just about every job comes with some risk or the other, where while some risks are pretty much in your face, some others are not. Data released by the Institute of Actuaries Australia shows that there is likelihood of disability in one in three employees, before they turn 65 years old. Given that you spend most of your waking hours at work and in travelling to and from work, this is one area that poses more risk.
If your job is considered risky, the possibility of losing life at work increases considerably and this increases the liability on your insurance company. Soldiers in the Defence Force, for instance, cannot get life insurance because the possibility of injury or death in the field is far too significant.
While people in certain professions require more comprehensive policies, you should know that even a white collar job can come with risks. Data released by Safe Work Australia goes to show that more than 13,000 retail employees suffered serious injuries in between 2010 and 2011. In the fields of finance, communications and education, around 10,000 employees filed claims for serious injuries during the same period.
Insurance companies employ underwriters who play a role in determining what kind of policies you qualify for and the premium you have to pay. In order to do this they take into account all probable safety and health risks linked with your job as well as risks associated with your lifestyle.
Have you considered life insurance?
Even if you do not work in a job that comes with known risks, bear in mind that something as unexpected as a lighting strike could leave you incapacitated and this is why we suggest that everyone seek suitable cover. If you have a family, life insurance ensures that they will be able to keep on top of any outstanding debts and continue to enjoy the same standard of living if you were to suddenly pass away. Income protection can provide an ongoing income for the months or years that you are unable to work due to a serious illness or injury so that you don't experience any financial hardship.