Income Protection for Arts & Entertainment Jobs.

Assistant film editors work in generally safe conditions. However, working on film sets can prove dangerous and they can be exposed to slip, trip, and fall accidents and the risk of electrical accidents working with film equipment. Given the mild level of risk involved in the occupation, assistant film editors qualify for second-class income protection insurance.

Status: Mild risk- insurable 

Composers work in generally safe conditions. Much of their work is sedentary, taking place within studio spaces or within music venues. Given the low level of risk involved in the occupation, composers qualify for first-class income protection insurance.

Status: low risk: insurable 

Disc jockeys are exposed to a high level of occupational risk. DJs are prone to hearing damage and hearing loss from overexposure to loud noises. DJ’s also work in unpredictable environments where they can be exposed to slip, trip, and fall hazards, and a number of ergonomic hazards like working in uncomfortable positions. Given the high level of risk involved in the occupation, Disc Jockeys do not qualify for income protection insurance.

Status: declined- uninsurable 

Film directors are exposed to a mild level of occupational risk. Film directors are exposed to varying levels of risk, depending on a number of factors. For example, directors may direct many scenes outdoors or in dangerous circumstances and some may take place indoors in a  safe environment. Given the unpredictable nature of the occupation, film directors qualify for second-class income protection insurance.

Status: Mild risk- insurable

Film editors are exposed to a mild level of risk at work. Film editors can face varying degrees of risk while working on film sets, such as slip, trip, and fall hazards. Film editors may also be exposed to a number of ergonomic hazards. Considering these risks, film editors qualify for second-class income protection insurance. 

Status: Mild risk- insurable

Illustrators are at higher risk of musculoskeletal diseases and arthritis. Perhaps the biggest threat to illustrators is the materials they use for work. Materials like paint, and glue can contain toxins that can be detrimental to their health after inhalation. Considering the risk level involved in illustration, those in the occupation qualify for fourth-class income protection insurance.

Status: High risk- insurable

Models come into contact with varying levels of risk since their place of work tends to be ever-changing for shoots. For example, runway models are more at risk of slip, trip, and fall accidents. Considering these risks, models do not qualify for income protection insurance.

Status: declined- uninsurable

Musicians are exposed to a high level of occupational risk. Noise exposure can lead to hearing damage, and working in different venues brings a multiplicity of risks. Musicians also tend to have unreliable income. Considering these risks, musicians do not qualify for income protection insurance.

Status: declined- uninsurable

Photographers are exposed to a mild level of occupational risk. Flash photography may cause sight damage and photographers often incur injury or strain due to uncomfortable working conditions. To account for these risks, photographers qualify for second-class income protection insurance.

Status: Mild risk- insurable

Pianists are exposed to a mild level of risk. They are prone to musculoskeletal injuries and arthritis from a number of ergonomic hazards. Accounting for these risks, pianists qualify for second-class income protection insurance. 

Status: Mild risk- insurable

Sound engineers may suffer hearing loss from long-term exposure to loud noise and are at risk of electrocution and fires working with electrical equipment on a daily basis. To account for cuts risks, sound engineers qualify for second-class income protection insurance.

Status: Mild risk- insurable

Tattooists operate at a moderate level of risk. Working with sharp equipment like needles can cause injuries like cuts and lacerations. Tattooists may also incur skin infections and musculoskeletal injuries. To account for these risks, tattooists qualify for third-class income protection insurance.

Status: Moderate risk- insurable

Theatre sound engineers are exposed to a number of occupational risks. Sound engineers are at risk of accidents involving electrical equipment, like electric fires and electrocution. Theatre sound engineers are also at risk of hearing damage from exposure to loud noise. To account for these risks, theatre sound engineers qualify for second-class income protection insurance.

Status: Mild risk- insurable

Tour guides are exposed to varying risks at work depending on the nature of their work. Tour guides generally work in safe conditions within a museum or outdoor area. Tour guides are more at risk of slip, trip, and fall accidents as they are usually on their feet. To account for the risks involved in the occupation, tour guides qualify for second-class income protection insurance.

Status: Mild risk- insurable

Tour operators generally work in safe conditions within an agency or office space. However, some of their work may take place outside the office to assess locations and make certain arrangements. This opens up the potential for a number of occupational risks, like road accidents. To account for such risks, tour operators qualify for second-class income protection insurance. 

Status: Mild risk- insurable

TV directors work in generally safe conditions, on a television set. However, there are a number of variables involved in TV directing that can present different risks. For example, tv scenes shot outdoors or on a busy road present more risks than on a tv set. Given the potential for occupational risk involved in TV directing, those in the occupation qualify for second-class income protection insurance.

Status: Mild risk- insurable