Income insurance protects your income if you unexpectedly can’t work due to injury or illness.

It’s an easy way to help protect your financial future, and ensure your lifestyle and family are protected in any event.

Income protection for the service industry

Can an Alarm fitter get income protection insurance?

An alarm fitter’s job is to install alarms (security, fire, etc.) and ensure that the system functions properly. In addition, they may also repair malfunctioning alarm systems. This occupation faces a number of significant risks such as injury to the worker, damage to the property, and losses from lawsuits. Common claims against alarm fitters include; negligence during installation resulting in theft, system faults or fires, electrical faults during installation causing damage to property and computer systems, or injury on-site such as a fall from a height. Due to the risks listed, alarm fitters can be awarded class four income protection.

Status: high risk- insurable

Can an Au Pair get income protection insurance?

An au pair is a young adult(18-30) who has traveled from a foreign country to live with a family, and are expected to take part in childcare and housework in exchange for accommodation. International stays have risks such as becoming ill abroad, possibly needing medical care, or needing transport back to the home country. Other risks associated with childcare and host family’s property apply such as a child having a fall or accidental breakage of valuable household items. An au pair may avail of class four income protection. 

Status: high risk- insurable

Can an Auctioneer get income protection insurance?

An auctioneer’s job involves selling clients valuable items at an auction. The auctioneer may need protection for their client’s assets, against any damage or accidents that could take place during an auction that they may be held responsible for. These risks may include theft, fire, accidental damage to assets, or personal injury. Auctioneers are awarded class one income protection.

Status: low risk- insurable

Can a Baker (other) get income protection insurance?

A baker prepares and develops baked goods such as bread and cakes. Apart from retail, they are commonly employed in commercial factories and restaurants. Common risks associated with bakers include burns, cuts, slips, trips and falls, asthma as a result of dust inhalation, and muscular injury due to poor manual handling. Bakers employed in factories may encounter further risks associated with operating machinery. Bakers may avail of class three income protection. 

Status: moderate risk- insurable

Can a Baker (shop or supermarket) get income protection insurance?

Bakers employed in retail shops and supermarkets primarily bake goods and order ingredients. Bakers are at risk of burns, cuts, slips, trips and falls, asthma as a result of dust inhalation, and muscular injury due to poor manual handling. Bakers in shops and supermarkets can avail of class three income protection.

Status: moderate risk- insurable

Can a Bar Manager get income protection insurance?

Bar managers oversee staff and patrons on a day-to-day basis. They are responsible for maintaining safety standards and health precautions. Working in a bar means managers are often subjected to verbal and sometimes physical harm from patrons under the influence of alcohol. Bar managers are also responsible for harm caused to both staff and customers. Bar managers can qualify for fourth-class income insurance as their role is oftentimes hazardous. 

Status: high risk- insurable

Can a Barber get income protection insurance?

Barbers work with sharp equipment to provide their customers with haircuts. Barbers can face injury in the form of cuts and potentially slips, trips, and falls from spilled water in the workplace. Customers are also open to injury from blades and scissors, and barbers may face lawsuits for bodily harm if an accident occurs. For these reasons, barbers qualify for second-class income insurance. 

Status: mild risk- insurable

Can a Beautician get income protection insurance?

Beauticians can unintentionally cause physical harm to customers while conducting beauty procedures. Burns and cuts are common injuries from procedures like waxing, tanning, and pedicures. Beauticians also use a number of chemicals on the job that can be dangerous to both the client and the worker. Beauticians qualify for second-class insurance as a result of these risks. 

Status: mild risk- insurable

Can a Bill Poster get income protection insurance?

Bill posters are responsible for installing small and large-scale advertisements, both digital and physical, including billboards, posters, and mounted displays. Bill posters often work at a height (on a ladder) and face the risk of injury from a fall. Bill posters are also prone to chronic pain and strains due to the nature of their work. Bill posters can potentially face legal action if their work did not meet safety regulations and caused harm to a member of the public. Bill posters, therefore, qualify for class four income protection. 

Status: high risk- insurable

Can a Bin Collector get income protection insurance?

Bin Collectors face a number of health and safety risks, including crashes, and slip, trips, and falls (increased risk from falling from a moving vehicle). Bin collectors are also exposed to a large number of toxins and are at risk of disease, working with waste on a daily basis. Considering the high level of risk involved in bin collection, those in the profession do not qualify for income protection insurance. 

Status: declined- uninsurable 

Can a Blindmaker get income protection insurance?

Blind making comes with a number of risks. Those in the profession are open to various accidents, such as falling from a height, asphyxiation from working materials (blind chords), and inhalation of chemicals/toxins in glues and paints. Blind makers can also find themselves subject to ergonomic risks, such as working in uncomfortable positions leading to back/joint pain or repetitive movements leading to strain. Considering the level of risk involved in blind making, those in the industry qualify for third-class income protection.  

Status: moderate risk- insurable

Can a Bodyguard get income protection insurance?

Bodyguards experience a high level of risk at work. Bodyguards protect others from violence, theft, kidnapping, and other harmful situations, and are oftentimes subject to these situations themselves. Bodyguards can come into contact with dangerous situations that could cause injury and in some cases could be fatal. Considering the high level of risk in the career, those in the profession do not qualify for income protection insurance. 

Status: declined- uninsurable 

Can a Boiler Repair get income protection insurance?

There are a large number of occupational hazards involved in boiler repair work. Working with pressurised water boilers puts repairers at risk of burns, fires, and explosions. Boiler repairers are also exposed to a number of ergonomic risks such as back strain, arthritis, and general unwellness from working in humid and uncomfortable positions. To account for the level of risk involved in boiler repairing, those in the profession qualify for fourth-class income protection insurance. 

Status: high risk- insurable

Can a Boner (meat) get income protection insurance?

Meat boners are exposed to a number of occupational hazards. Working with knives, hacksaws and other sharp tools opens meat boners up to the possibility of bodily injuries such as cuts and lacerations. Meat boners also face the risk of contracting zoonotic diseases working with animal flesh. Considering the level of risk involved in their work, meat boners qualify for fourth-class income protection insurance. 

Status: high risk- insurable

Can a Bookkeeper get income protection insurance?

Bookkeeping is generally a sedentary profession. Bookkeepers tend to work within office settings or in the home. Bookkeepers do not usually experience a high level of risk on the job and therefore qualify for the highest level of income protection insurance (first-class). 

Status: low risk- insurable

Can a Bookmaker (not on coursework) get income protection insurance?

Bookmakers who do not work on courses are exposed to a mild level of risk. Dealing with a high degree of financial risk puts their income at risk, and therefore those in the profession qualify for second-class income protection insurance. 

Status: mild risk- insurable

Can a Bookmaker (on course work) get income protection insurance?

Bookmakers who work on racecourses are exposed to a high level of risk. Working on a race course presents the risk of animal attacks, being trampled on by animals, and contracting zoonotic diseases. Bookmakers deal with a high degree of financial risk. Given the high-risk nature of their work, bookmakers who work on race courses do not qualify for income protection insurance. 

Status: declined- uninsurable 

Can a Botanist get income protection insurance?

Botanists carry out both field and desk research. During their fieldwork, botanists can become exposed to harmful pesticides, dangerous insects, and diseases from plants. However, this risk can be minimised by wearing the correct equipment (gloves, mask, etc.) and injuries are minimal as a result of such safety measures. Considering the level of risk involved in botany, those in the profession qualify for second-class income protection. 

Status: mild risk- insurable

Can a Bouncer get income protection insurance?

Bouncers face a number of occupational hazards on the job. Securing events means bouncers often have to deal with violent attacks and abuse. As bouncers are permitted to use reasonable force in the name of protection, it is possible for them to injure a patron and face a lawsuit or medical charge. Considering the level of risk involved in the profession, bouncers do not qualify for income protection insurance. 

Status: declined- uninsurable 

Can a Box Office Clerk (cinema) get income protection insurance?

Box office clerks are generally sedentary workers, facing few occupational hazards, welcoming and guiding patrons. Dealing with a high volume of patronage and taking on a high number of job activities (bookkeeping, sales, administration, etc.) means box office clerks have an increased risk of encountering occupational hazards, such as slip, trip and fall accidents and ergonomic hazards such as standing for an excessive amount of time. To account for the mild risk involved in the job, box office clerks operating in a cinema qualify for second-class income protection insurance. 

Status: mild risk- insurable

Can a Box Office Clerk (circus) get income protection insurance?

A box office clerk working within a circus is exposed to a number of occupational hazards. There are generally a number of on-site hazards within a circus setting, including dangerous animals, and equipment. While a box office clerk is generally separate from the majority of these hazards, this level of risk needs to be accounted for. Considering the level of risk involved in the job, box office clerks operating within a circus qualify for third-class income protection insurance. 

Status: moderate risk- insurable

Can a Box Office Clerk (theater) get income protection insurance?

Box office clerks working in theatres carry out a large number of duties. Clerks are exposed to a number of ergonomic risks on the job, often standing for long periods of time of carrying out repetitive tasks. Considering the level of risk involved in the profession, box office clerks working in theatres qualify for second-class income protection insurance. 

Status: mild risk- insurable

Can a Bus Conductor get income protection insurance?

Bus conductors work with an increased level of risk by working on a moving vehicle. Bus conductors are exposed to the chance of a crash, and also the increased risk of slip, trip, and fall accidents. To account for this risk, those in the profession qualify for third-class income protection insurance. 

Status: moderate risk- insurable

Can a Bus Driver get income protection insurance?

Bus drivers are susceptible to a number of occupational hazards. Driving a moving vehicle on a daily basis not only puts bus drivers at risk of injury (potentially fatal) but also patrons of the bus service, meaning in some cases, bus drivers may be liable for damages in the case of an accident. Bus drivers are also subject to a number of ergonomic risks such as joint pain and discomfort from static movements and long working hours. Considering the level of risk faced by bus drivers, those in the profession do not qualify for income protection insurance. 

Status: declined- uninsurable 

Can a Bus Inspector get income protection insurance?

Bus inspectors operate at a moderately high level of risk, working on a moving vehicle. Bus inspectors are also susceptible to ergonomic risks such as joint pain and back strain from standing or sitting for long journeys. To account for this level of risk, bus inspectors qualify for third-class income protection insurance.

Status: moderate risk- insurable

Can a Business Analyst get income protection insurance?

Business analysts are primarily sedentary workers, operating within office settings or at home. While business analysts may come into contact with certain ergonomic risks such as joint issues and back pain from sedentary and online work, these risks are minimal. Considering the low level of risk involved in business analytics, those in the profession qualify for first-class income protection insurance. 

Status: low risk- insurable

Can a Butcher (non-shop work) get income protection insurance?

Butchers who do not engage in shop work are exposed to a number of occupational hazards. Butchers work with dangerous apparatus as part of their work such as sharp knives, meat grinders, and saws, which can result in serious injuries like cuts and lacerations. Butchers are also open to zoonotic diseases from animals, as well as dangers from inhalation of toxins in meat preservatives. Considering the level of risk involved in the occupation, butchers qualify for fourth-class income protection insurance. 

Status: high risk- insurable

Can a Butcher (shop work) get income protection insurance?

Butchers who carry out shop work generally take on more retail responsibilities, such as serving and assisting customers, as well as butchering and preparing meat. Butchers are open to contracting a zoonotic disease from raw meat and are susceptible to injury working with butchering equipment (knives, saws, grinders, etc.). Considering the level of risk involved in butchering (shop work), those in the profession qualify for third-class income protection insurance. 

Status: moderate risk- insurable 

Can a Buyer get income protection insurance?

Buyers qualify for second-class income protection insurance. Buyers work across a number of industries and undertake various tasks, While much of the work of a buyer is administrative and often sedentary, buyers oftentimes are involved in the lifting and carrying of goods, opening them up to a number of risks. 

Status: mild risk- insurable

Can a Canteen Assistant get income protection insurance?

Canteen assistants come into contact with a number of occupational risks. Working with food means canteen assistants are susceptible to contracting zoonotic diseases or illnesses from food preservatives or toxins. Canteen assistants also work with a number of dangerous equipment such as knives, blenders, and gas stoves, putting them at risk of injuries like cuts and burns. Canteen assistants often are responsible for lifting and moving stock, which may result in injury or strain. To account for this level of risk, canteen assistants qualify for third-class income protection insurance. 

Status: moderate risk- insurable

Can a Canteen Supervisor get income protection insurance?

Canteen supervisors are susceptible to moderate risks at work. Canteens are areas prone to food and liquid spillages, and canteen supervisors may incur a slip, trip, or fall leading to injury. Canteen supervisors are also susceptible to heat injuries, working with cooking equipment such as gas stoves, ovens, fryers, and microwaves which can all cause fire or explosions. To account for the level of risk involved in the job, canteen supervisors qualify for third-class income protection insurance. 

Status: moderate risk- insurable

Can a Car Park Attendant get income protection insurance?

Car park attendants can come into contact with a number of occupational hazards. Working with moving vehicles makes car park attendants susceptible to accidents from car crashes, gas leaks, and explosions. Car park attendants are also at risk of injury from boom gates rising and lowering, which could cause a head injury. Considering the level of risk involved in the job, car park attendants do not qualify for income protection insurance. 

Status: declined- uninsurable 

Can a Car Salesperson get income protection insurance?

A car salesperson works within low-risk circumstances. Much of their work is administrative and is carried out within sedentary settings. However, a car salesperson may operate a moving vehicle for demonstrative purposes or may be frequenting their workplace, where moving vehicles are operated which presents the risk of injury from crash accidents. To account for the level of risk involved in the job, a car salesperson qualifies for second-class income protection insurance. 

Status: mild risk- insurable

Can a Car Valet get income protection insurance?

Car valets are exposed to a number of occupational hazards. Valets can be held liable for damages if they cause damage to a vehicle, Valets are also prone to slip, trip, and fall accidents working with water and on wet surfaces. Valets work with a wide variety of cleaning materials and substances such as bleach which may contain toxins resulting in adverse health effects. Considering the moderate level of risk involved in car valeting, those in the profession qualify for third-class income protection insurance. 

Status: moderate risk- insurable

Can a Care Assistant get income protection insurance?

Care assistants operate under a moderate level of risk. Working in private homes opens them up to a number of occupational hazards such as slip, trip, and fall hazards that they cannot control leading to accidents. Care assistants also come into contact with a number of medical hazards such as contracting diseases and illness and working with sharp instruments (needles). Care assistants can suffer injury from unsafe patient handling (escorting patients in wheelchairs, moving them from their beds, etc.). To account for this level of risk, vare assistants qualify for third-class income protection insurance. 

Status: moderate risk- insurable 

Can a Caretaker get income protection insurance?

Caretakers are exposed to a variety of occupational hazards on a day-to-day basis. Ergonomic factors such as repetitive movements and working in awkward positions are very common in caretaking. Caretakers are also exposed to the potential of a slip, trip, and fall accident, working on ladders, at a height, and dealing with wet surfaces. Caretakers are also exposed to chemicals within cleaning products and bleach which may prove toxic after long-term exposure leading to negative health impacts. Considering the level of risk involved in the occupation, caretakers qualify for third-class income protection insurance. 

Status: moderate risk- insurable

Can a Cargo Handler get income protection insurance?

Cargo handlers operate at a high level of risk often working near docks and piers, which presents the risk of a slip, trip, and fall accident. Cargo handlers are also responsible for handling large and heavy cargo which can result in injury. Cargo handlers are often involved in operating mobile machinery or working on sites where such machinery is being operated, putting workers at risk of crashes, fires, and burns. Considering the high level of risk involved in cargo handling, those in the profession do not qualify for income protection insurance. 

Status: declined- uninsurable

Can a Carpet Cleaner get income protection insurance?

Carpet cleaners work with a number of chemicals and large equipment in their work (industrial vacuums), which can prove detrimental to their health. Carpet cleaners often work at a height (on stairs, landings, etc.) which puts them at risk of slip, trip, and fall accidents. Carpet cleaners also face the risk of burns working with steam cleaners. To account for the moderate risk involved in carpet cleaning, those in the profession qualify for third-class income protection insurance.

Status: moderate risk- insurable 

Can a Caterer get income protection insurance?

Caterers are exposed to a mild level of risk at work. Caterers are open to injury from manual handling (carrying equipment and food),and burns from working with heat. Oftentimes caterers operate vehicles for transportation of their goods and service, which put them at risk of car accidents. Working with food also allows the chance of foodborne illnesses. Considering the level of risk involved in catering, caterers qualify for second-class income protection insurance.

Status: mild risk- insurable

Can a Catering Supervisor?

Catering supervisors are key to maintaining quality control and effective services. While supervisors do not have as much direct contact with food or clients, they are still open to certain occupational hazards like foodborne illnesses and slip trip and fall accidents. Considering this level of risk, those in the profession qualify for second-class income protection insurance. 

Status: mild risk- insurable

Can a Chauffeur get income protection insurance?

Chauffeurs operate at a high level of risk simply by carrying out their work within a moving vehicle, exposing them to the risk of crashes. Chauffeurs may also face a lawsuit in the case of a client injury or fatality. Considering this high level of risk, those in the occupation do not qualify for any level of income protection insurance. 

Status: declined- uninsurable

Can a Chef get income protection insurance?

Chefs are exposed to a mild level of risk at work. Working with food and in a kitchen brings the risk of contracting foodborne diseases. Chefs also work with a number of sharp and potentially dangerous equipment such as knives and blenders, which could cause injuries like cuts and lacerations. Chefs are also prone to heat injuries from stoves and hot water. To account for this level of risk, chefs qualify for second-class income insurance. 

Status: mild risk- insurable

Can a Chimney Sweep get income protection insurance?

Chimney sweeps come into contact with a high level of occupational hazards. Respiratory hazards are the main concern for chimney sweeps, working with smoke, and soot which can cause respiratory distress and infections. Such materials can also cause skin irritation and infection. Chimney sweeps also tend to work at a height, putting them at risk of a fall. To account for this high level of risk, chimney sweeps qualify for fourth-class income protection insurance.

Status: high risk- insurable

Can a Coach Driver get income protection insurance?

Coach operators work at a high-level of risk, operating large-scale vehicles. Coach drivers are at risk of suffering a crash accident, endangering their safety and the safety of passengers. Due to the high level of risk involved in coach driving, those in the profession do not qualify for income protection insurance.

Status: declined- uninsurable

Can a Coal Deliverer get income protection insurance?

Coal deliverers are susceptible to a variety of occupational risks. Working with coal presents the risk of respiratory and skin issues. Coal deliverers also engage in manual handling, carrying sometimes large and heavy bags of coal for clients which can lead to spinal and back injuries. Coal deliverers also generally carry out deliveries in a car or truck which carries the risk of car accidents. To account for the high level of risk involved in coal delivery, those in the occupation do not qualify for income protection insurance.

Status: declined- uninsurable

Can a Concierge get income protection insurance?

Concierges work in generally safe conditions but can come into contact with mild risks at work. These risks include manual handling of baggage for clients, and presenting the chance of injury. Concierges oftentimes engage in cleaning and serving duties which brings the risk of slip, trip, and fall accidents. To account for the mild level of risk involved in the occupation, concierges qualify for second-class income protection insurance.  

Status: mild risk- insurable

Can a Confectioner get income protection insurance?

Confectioners work with heat and a number of sharp equipment (knives, scrapers, slicers, etc.) which can expose them to accidents. These accidents can take the form of burns, cuts, and abrasions. Confectioners are also susceptible to ergonomic risks from repetitive movements and awkward working positions, which can lead to injury or chronic pain. 

Status: mild risk- insurable

Can a Counsellor get income protection insurance?

Counselling can be a highly stressful occupation and those in the profession are more at risk of mental health issues. Due to the ethical obligations involved in the job, counsellors can face lawsuits in the case of negligence. To account for the level of risk involved in the occupation, counsellors qualify for second-class income insurance. 

Status: mild risk- insurable

Can a Crematorium Operator get income protection insurance?

Crematorium operators are exposed to a high level of risk. Crematorium operators face the risk of burns, smoke inhalation, and eye damage from exposure to fire. Crematorium operators are also at risk of mercury inhalation given the nature of their work. To account for the high level of risk involved in the occupation, crematorium operators qualify for fourth-class income insurance. 

Status: high risk- insurable

Can a Croupier get income protection insurance?

Croupiers generally work in safe conditions within a casino or betting facility. However, working with sometimes high volumes of capital can pose a risk to the worker, in that there is the potential for assault, theft, and even a lawsuit in extreme cases. To account for the level of risk involved in the occupation, croupiers qualify for second-class income protection insurance. 

Status: mild risk- insurable

Can a Dispatch Rider get income protection insurance?

Dispatch riders operate at a high level of risk. Generally speaking, dispatch riders undertake delivery journeys on motorcycles or bicycles, exposing them to the risk of collisions and road accidents. Dispatch riders can also come into contact with a number of ergonomic risks from working in demanding physical conditions (cycling, driving a motorcycle). Considering the level of risk involved in the occupation, dispatch drivers do not qualify for income protection insurance.

Status: declined- uninsurable

Can a Domestic Cleaner get income protection insurance?

Domestic cleaners are exposed to a number of occupational threats, impacting their income insurance. Working in private property means cleaners may be exposed to a number of risks that they cannot anticipate (slip, trip, and fall hazards, clients spreading disease, dangerous animals, etc.). Domestic cleaners also work with a number of dangerous chemicals in cleaning products such as bleach and over-exposure to such chemicals can prove detrimental to the health of the worker. To account for the level of risk involved in the occupation, domestic cleaners qualify for fourth-class income insurance.

Status: high risk- insurable

Can a Driving Instructor get income protection insurance?

Driving instructors are exposed to a number of occupational risks. Instructing learning drivers can prove dangerous and can result in car accidents, putting the instructor at risk of injuries, from minor to fatal. Given the nature of their work, driving instructors qualify for third-class income protection insurance.

Status: moderate risk- insurable

Can a Dry Cleaner get income protection insurance?

Dry cleaners face a moderate level of risk at work. Dry cleaners work with dry cleaning solvents that may contain dangerous toxins such as Perchloroethylene which is linked to liver and kidney damage, cancers, and Parkinson’s disease. Dry cleaners also work with heat which means they can be burned from irons, tumble dryers, and other heat equipment. To account for the level of risk involved in the job, dry cleaners qualify for third-class income insurance. 

Status: moderate risk- insurable

Can a Fish and Chip Shopkeeper get income protection insurance?

Fish and chip shopkeepers are exposed to a mild level of occupational risk. Working with heat (deep fryers, ovens, hot food) puts the worker at risk of incurring burn injuries. Fish and chip shopkeepers may also use potentially dangerous equipment like knives when preparing meal orders, which can lead to injury. To account for the level of risk involved in the occupation, fish and chip shopkeepers qualify for second-class income insurance. 

Status: mild risk- insurable

Can a Fish Preparer get income protection insurance?

Fish preparers work at a high-risk level. Fish preparers work with dangerous equipment on a daily basis to prepare fish for the market. Such equipment includes fillet and boning knives, both of which can lead to injury (cuts and lacerations). Fish preparers are also often responsible for the manual handling of fish which can lead to accidents and injuries. Considering the high level of risk involved in the occupation, fish preparers do not qualify for income protection insurance. 

Status: declined- uninsurable

Can a Fitness Instructor get income protection insurance?

Fitness instructors operate at a high level of occupational risk. Fitness instructors work with heavy and potentially dangerous equipment on a daily basis (weights, treadmills, etc.). Gymnasium equipment can also prove hazardous for slip, trip, and fall accidents. Considering the high level of risk involved in the occupation, fitness instructors do not qualify for income protection insurance. s

Status: declined- uninsurable

Can a French Polisher get income protection insurance?

French polishers carry out their work at a moderate level of risk. Working with varnishes, paints, and glues on a daily basis can expose workers to toxins and pose a danger to their health. French polishers also face ergonomic risks such as repetitive movements and uncomfortable working positions leading to chronic pain and injuries. To account for the level of risk involved in the work of a French Polisher, those in the profession qualify for third-class income protection insurance. 

Status: moderate risk- insurable

Can a Funeral Director get income protection insurance?

Funeral Directors are predominantly sedentary workers, carrying out secretarial and administrative tasks within a safe office setting. The job is considered low risk and therefore those in the profession qualify for first-class income protection insurance. 

Status: low risk-insurable 

Can a Furniture Remover get income protection insurance?

Furniture removers work at a high level of risk. Heavy lifting puts workers in danger.  Moving furniture affects the entire body; muscles that are not used on a regular basis are used. As  workers bend, pull, push, or reach to lift or move a big object, the shoulders, arms, and legs are immediately affected. There are several hazards involved, including muscle injury, strains, sprains, rips, the chance of bone fractures or breaks, and even worse, heart damage or strain. Considering the high level of risk involved in the occupation, furniture removers do not qualify for income protection insurance. 

Status: declined- uninsurable

Can a Furniture Restorer get income protection insurance?

Furniture restorers face a moderate level of risk at work. Furniture restorers may come into contact with airborne carcinogens from sawdust, paint, or glue which can be harmful to the health of the worker. Furniture repairers tend to work with dangerous tools, like saws, hammers, and power tools which put them at risk of injuries. To account for the level of risk involved in the job, furniture removers qualify for third-class income protection insurance. 

Status: moderate risk- insurable

Can a Gardener get income protection insurance?

Gardeners are exposed to various risk factors, primarily allergens, sharp tools, and pesticides, which can prove harmful to their health and safety. Gardeners are also exposed to a number of ergonomic risks, often working in crouched and uncomfortable positions. Considering the level of risk involved in gardening, those in the profession qualify for fourth-class income protection insurance. 

Status: high risk- insurable

Can a Gatekeeper get income protection insurance?

Gatekeepers experience a high level of risk guarding events and grounds. Gatekeepers can experience harassment (verbal and violent) when preventing entry to disruptive or bothersome visitors. Gatekeepers often work with entry barriers which can be dangerous, especially if they become faulty, presenting the risk of injury to the worker. Considering the level of risk involved in the job, gatekeepers do not qualify for income protection insurance. 

Status: declined- uninsurable

Can a Glass Engraver get income protection insurance?

Glass engravers operate at a moderate level of risk. Carving and engraving glass means glass particles can become airborne, and can be dangerous if inhaled or if they come into contact with the eyes. Working with glass on a daily basis carries the risk of injuries like cuts and lacerations. Engravers also work with a number of sharp tools such as liners and engravers which can be hazardous. To account for the level of risk involved in glass engraving, those in the profession qualify for third-class income protection insurance. 

Status: moderate risk- insurable 

Can a Groundskeeper get income protection insurance?

Groundskeepers experience a high level of occupational risk. Groundskeeping entails a wide variety of responsibilities. Many of these duties can result in bodily harm or sickness. Common hazards for groundskeepers include slip, trip, and fall accidents from cluttered areas, wet surfaces and fallen forestry, cuts and abrasions from power tools and sharp maintenance equipment, extreme weather conditions, and ergonomic risks like pain from repetitive or forceful movements. Accounting for the high level of risk involved in groundskeeping, those in the profession qualify for fourth-class income protection insurance. 

Status: high risk- insurable

Can a Hairdresser get income protection insurance?

Hairdressers face a relatively mild level of occupational risk. Working with heat (curling irons, hot water, blow dryers) presents the possibility of suffering burn injuries. Hairdressers also work with various sharp instruments like shears, razors, and scissors which can cause injuries (cuts, lacerations, etc). To account for the level of risk involved in hairdressing, those in the profession qualify for second-class income protection insurance. 

Status: mild risk- insurable

Can a Haulier get income protection insurance?

Hauliers do not qualify for income protection insurance due to the high-risk nature of the occupation. Hauliers are exposed to the risk of road accidents, operating large haulier vehicles. Hauliers may also be exposed to injury from manual handling or accidents involving freight on board the vehicle (crushing, suffocation, slip, trip, and fall accidents).

Status: declined- uninsurable

Can a Hotel Assistant get income protection insurance?

Hotel assistants perform a wide variety of roles at work. Oftentimes hotel assistants execute more sedentary and administrative tasks but due to the nature of their work, are sometimes required to engage in more physical tasks such as cleaning, and manual handling of baggage, opening them up to a number of hazards like slip, trip, and fall accidents, and back and joint pain. To account for this level of risk, hotel assistants qualify for third-class income protection. 

Status: moderate risk- insurable

Can a Hotel Manager get income protection insurance?

Hotel managers are predominantly sedentary workers, supervising staff and carrying out administrative tasks. Considering the low level of risk involved in the job, hotel managers qualify for the highest level (first-class) of income protection insurance. 

Status: low risk- insurable

Can a Hotel Owner get income protection insurance?

Hotel owners are exposed to a mild level of risk. While their work tends to generally be sedentary, involving top-level administrative and management tasks, hotel owners do run the risk of owing damages. Guests who become injured on hotel premises, or have a reason for a claim can claim against the hotel. In this case, hotel owners may face a lawsuit and therefore a reasonable threat to their income. To account for the level of risk involved in the occupation, hotel owners qualify for second-class income protection insurance. 

Status: mild risk- insurable

Can a Hotel Porter get income protection insurance?

Hotel porters operate at a high level of risk. Manual handling of baggage can be strenuous and result in injury or strain. Considering the high level of risk involved in the occupation, hotel porters do not qualify for income protection insurance.

Status: declined- uninsurable 

Can a House person get income protection insurance?

A house person is exposed to a high level of risk performing various housekeeping tasks. Chemicals in cleaning goods might cause skin sensitivities or respiratory disorders. Exposure to biological infectious illnesses by contaminated linens, uncapped needles, and/or body fluids. Fatigue and other health issues caused by shift work or working long hours are also issues for staff. A house person is also more exposed to the possibility of slip, trip, and fall accidents. Considering the level of risk involved in the role, those in the profession do not qualify for income protection insurance. 

Status: declined- uninsurable

Can an Interior decorator get income protection insurance?

Interiors decorators are exposed to a moderate level of occupational risk. Interiors decorators may come into contact with asbestos, lead, and other dangerous substances when decorating older buildings. Oftentimes, interior decorators will engage in manual handling, painting (exposing them to toxins paint, and working at a height), and working with dangerous tools. To account for the level of risk involved in interior decorating, those in the profession qualify for third-class income protection insurance. 

Status: moderate risk- insurable

Can an Interior designer get income protection insurance?

Interior design is a predominantly sedentary occupation, and those in the occupation spend much of their working hours in an office space or examining interior spaces. Considering the low level of risk involved in the occupation, interior designers qualify for first-class income protection insurance.

Status: mild risk- insurable

Can an Interpreter get income protection insurance?

Interpreters generally work in sedentary conditions and face little to no occupational risks. Considering the low level of risk involved in the occupation, interpreters qualify for the highest level of income protection insurance. 

Status: low risk- insurable

Can a Laundry worker get income protection insurance?

Laundry workers experience a moderate level of occupational risk. Laundry workers are exposed to the chance of heat injuries like burns from working with tumble dryers, irons and steam. Laundry workers can also incur harm from toxins in laundry detergents. To account for the level of risk involved in laundry work, those in the profession qualify for third-class income protection insurance. 

Status: moderate risk- insurable

Can a Masseur get income protection insurance?

Masseurs generally work in low-risk conditions. However, masseurs can face ergonomic risks such as cramping, arthritis, back strain, and chronic pain from working in uncomfortable positions and engaging in repetitive movements. To account for this level of risk, masseurs qualify for second-class income protection insurance. 

Status: mild risk- insurable

Can a Motorcycle courier get income protection insurance?

Motorcycle couriers experience a high level of occupational risk. Working on a motorcycle means that couriers may experience a road accident, which can cause serious injuries (which can be fatal). Considering the high level of risk for motorcycle couriers, those in the occupation do not qualify for income protection insurance. 

Status: declined- uninsurable

Can an Office Cleaner qualify for income protection insurance?

Office cleaners are exposed to a relatively high level of occupational risk. Working with chemicals in detergents can have negative impacts on the skin and cause illnesses if inhaled. Office cleaners are also prone to slip, trip, and fall accidents on wet floors. To account for the high level of risk involved in the job, office cleaners qualify for fourth-class income protection insurance.

Status: high risk- insurable

Can a Personal trainer get income protection insurance?

Personal trainers are exposed to a high level of occupational risk and do not qualify for income protection insurance. Personal trainers can experience slip, trip, and fall accidents from misplaced exercise equipment, and wet surfaces. Personal trainers run the risk of over-exertion and suffering injuries from heavy lifting and faulty equipment. Personal trainers may also be held liable for any damages suffered by clients.

Status: declined- uninsurable

Can a Pest Controller get income protection insurance?

Pest controllers experience a moderate level of risk at work. Pest Exterminators typically use pesticides that are hazardous to humans. They can cause poisoning, burns, skin, eye, and throat issues, as well as other problems. Some insecticides are combustible, and improper handling and storage can result in fires. Pest controllers are also open to bites and allergic reactions from pests. Considering the level of risk involved in pest control, those in the occupation qualify for third-class income protection insurance. 

Status: moderate risk- insurable 

Can a Printer get income protection insurance?

Printers are exposed to a number of health and safety hazards. Solvents and inks can cause skin irritation and dermatitis. Some materials, such as UV inks and laminating adhesives, can cause skin allergies and asthma. Solvent vapours can cause dizziness, and confusion and impair the central nervous system. To account for these hazards, printers qualify for third-class income protection insurance. 

Status: moderate risk- insurable 

Can a Private Detective get income protection insurance?

Private detectives work at varying levels of risk. Private detectives can find themselves in dangerous situations, and become exposed to violence, depending on the case they are working on. Monitoring and investigating illegal activity brings a moderate level of risk to the detective. Considering the level of risk involved in the job, private detectives qualify for third-class income protection insurance. 

Status: moderate risk- insurable

Can a Publican get income protection insurance?

Publicans are exposed to a high level of occupational risk. Working in and running a bar heightens the chance of slip, trip and fall accidents as wet surfaces are commonplace within bars. Publicans may be held liable for any injuries incurred by patrons on the premises or if alcohol was sold to a minor. Publicans also face the risk of harassment and violence from customers. Considering this high level of risk, publicans qualify for fourth-class income protection insurance. 

Status: high risk- insurable

Can a Restaurant Owner get income protection insurance?

Restaurant owners are exposed to a mild level of risk at work. While restaurant owners are not always on-site and often spend their time carrying out managerial and administrative tasks behind the scenes, in the case a patron of the restaurant suffers an injury on the premises or in the case that the restaurant falls below health and safety standards, the restaurant may be liable for damages or face closure. To account for this risk, restaurant owners qualify for second-class income protection insurance.

Status: mild risk- insurable

Can a Riding Instructor get income protection insurance?

Riding instructors experience a high level of risk of injury. Fractures, bruising and abrasions, sprains and strain, and concussions are the most frequent equestrian riding injuries. Falls are the most common source of injuries, and horses can also kick, walk on, or fall on people. Considering the high level of risk involved in the occupation, riding instructors do not qualify for income protection insurance. 

Status: declined- uninsurable 

Can a Security Guard get income protection insurance?

Security guards come into contact with a high level of risk at work. Physical violence, such as being attacked and weapon-based intimidation is probable when working as a security guard. Security guards working with dogs may also experience injuries from attacks. Considering the high level of risk involved in the occupation, security guards do not qualify for income protection insurance.

Status: declined- uninsurable  

Can a Security Van Driver get income protection insurance?

Security van drivers are exposed to a very high level of risk at work. Driving a large vehicle brings the risk of road accidents, and operating security vans carrying valuable goods or capital puts drivers at risk of robbery and violence. Due to the high-risk nature of the job, security van drivers do not qualify for income protection insurance. 

Status: declined- uninsurable 

Can a Shoe Repairer get income protection insurance?

Shoe repairers are exposed to a moderate level of occupational risk. Working in uncomfortable positions for a prolonged amount of time heightens the chance of back pain and injury. Shoe repairers work with chemicals and toxic substances in glues and paints which can be detrimental to their health and also work with a number of sharp tools which can cause injury. To account for the level of risk involved in the job, shoe repairers qualify for third-class income protection insurance.  

Status: moderate risk- insurable

Can a Sign Erector get income protection insurance?

Sign erectors operate at a high level of risk. Working at a height puts them at high risk for a fall accident, which can cause serious injury. Sign erectors also can also incur injury from manual handling of heavy signage and from transportation (in a vehicle or on foot). To account for the high level of risk involved in the job, sign erectors qualify for fourth-class income protection insurance. 

Status: high risk- insurable

Can a Taxi Driver get income protection insurance?

Taxis drivers operate at a high level of risk by operating a vehicle, which presents the possibility of a road accident, putting them and passengers at risk of injury. Due to the high level of risk involved in taxi driving, those in the occupation do not qualify for income protection insurance. 

Status: declined- uninsurable 

Can a Train Driver get income protection insurance?

Train driving is a high-risk occupation. Train drivers are at risk of rail accidents, threatening their well-being and life and those on board the train. Train drivers do not qualify for income protection insurance given the severity of this risk.

Status: declined- uninsurable 

Can a Tugboat Worker get income protection insurance?

Tugboat workers are exposed to a high level of occupational risk. A worker may slip into the water and drown, in addition to the usual risks of tripping, falling, and being injured by the numerous machinery. Considering the high level of risk involved in the job, which can lead to fatal accidents, tugboats workers do not qualify for income protection insurance.

Status: declined- uninsurable 

Can a Tyre Fitter get income protection insurance?

Workers can be critically hurt as a result of blasted tire/rim assembly or the force of air pressure.  result in irreversible hearing and vision loss in certain situations. Tire pyrolysis can also cause a tire to fall, which can then injure a worker. Tire fitters also work with a number of potentially dangerous tools and cleaning products and paints that can cause them harm. Considering the risk involved in the job, tire fitters qualify for fourth-class income protection insurance.

Status: declined- uninsurable 

Can an Undertaker (no manual work) get income protection insurance?

Undertakers who do not engage in manual work are predominantly sedentary workers, carrying out administrative tasks and managerial functions, and therefore face little risk at work. As there is little risk to account for, undertakers who do not partake in manual work qualify for first-class income protection insurance. 

Status: low risk- insurable

Can an Undertaker (some manual work) get income protection insurance?

Undertakers who engage in some manual work operate at a moderate level of risk. Undertakers may engage in manual handling of coffins which can lead to injury, They may also be responsible for preparing a burial site, which permits a large amount of physical exertion and heightens the risk of fall accidents. Considering the risks involved in undertaking some manual work, those in the occupation qualify for third-class income protection insurance. 

Status: moderate risk- insurable

Can an Undertaker’s Assistant get income protection insurance?

Undertakers assistants experience a moderate level of occupational risk, given the variety of tasks they may perform. These tasks include moving or placing caskets, arranging flowers, directing funeral attendees, storing funeral equipment, and a number of other tasks. These tasks can lead to slip, trip, and fall accidents, back strain from manual handling, and mental fatigue. Given the level of risk involved, those in the job qualify for third-class income protection insurance.

Status: moderate risk- insurable

Can an Usher get income protection insurance?

Ushers can experience a mild level of risk at work. Ushers spend a substantial amount of time on their feet, guiding and escorting guests, which opens them up to slip, trip, and fall accidents. Ushers may also experience harassment from patrons, in the case that they may have to escort them from the premises or refuse entry. Considering the mild level of risk involved in the occupation, ushers qualify for second-class income protection insurance.

Status: mild risk- insurable

Can a Van Driver get income protection insurance?

Van drivers are exposed to a high level of occupational risk. Operating a motor vehicle presents the risk of road accidents which can lead to serious and even fatal injury. Given the high level of risk involved in the job, van drivers do not qualify for income protection insurance.

Status: declined- uninsurable 

Can a Vehicle Recovery Driver get income protection insurance?

Vehicle recovery drives encounter a high level of risk when at work. Those in the occupation face the risk of road accidents, which can lead to serious injury and the risk of falling objects from vehicles they are transporting and the vehicles themselves. Taking this high level of risk into account, vehicle recovery drivers do not qualify for income protection insurance.

Status: declined- uninsurable 

Can a Waiter get income protection insurance?

Waiters are exposed to a low level of risk at work. Carrying numerous items at once and waiting tables presents the opportunity for slip, trip, and fall accidents. Cleaning products and other chemicals can cause skin irritation. Musculoskeletal injuries caused by standing for extended periods of time, working in uncomfortable positions, or doing repeated manual chores are also possible risks. Considering the level of risk involved in the occupation, waiters qualify for second-class income protection insurance. 

Status: mild risk- insurable

Can a Window Cleaner (Commercial) get income protection insurance?

Commercial window cleaners are exposed to a high level of risk at work. Commercial window cleaners in particular are in danger of falling from a height, often working on scaffolding, ladders, and a portable davit to clean windows on skyscrapers and tall buildings. Such a fall can result in serious and fatal injury. Considering this high risk, commercial window cleaners cannot avail of income protection insurance. 

Status: declined- uninsurable 

Can a Window Cleaner (Domestic) get income protection insurance?

Domestic window cleaners qualify for fourth-class income protection insurance. Domestic window cleaners often work at a height (second-floor, ceiling windows, etc.) putting them at risk of a fall accident, especially working with water and window cleaning solutions which can cause slippery surfaces. 

Status: high risk- insurable

Can a Window Fitter get income protection insurance?

Window fitters are exposed to a high level of occupational risk. Working on elevated platforms and scaffold towers, and installing windows while standing on a ladder makes workers vulnerable to slip, trip, and fall accidents. Working with potentially dangerous tools, and chemicals can lead to injury or negative health impacts. Working with glass and delicate materials can also lead to injuries like cuts and abrasions. To account for these risks, window fitters qualify for fourth-class income protection insurance.

Status: high risk- insurable

Can a Windscreen Fitter get income protection insurance?

Windscreen fitters operate at a high-risk level. Such risks include cuts from shattered glass or cutting tools, manual handling injuries (commercial and public service vehicle glazing can weigh up to 100 kg), working at height, contact with hazardous chemicals (eg sealants), environmental hazards (working at the roadside, adverse weather, etc). Considering the high level of risk involved in the occupation, windscreen fitters qualify for fourth-class income protection insurance.

Status: high risk- insurable

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