Some of the most important occupations in our world are the riskiest ones. While there are often benefits that make the dangerous activities worthwhile, there are also a whole host of unique problems, including how to protect yourself and your loved ones. In this article, we’re going to navigate a few examples of high-risk professions and precautions you can take.

What are some high-risk professions?

Examples of high-risk professions that may need to adopt additional safety tools can be found below:

Loggers

Those in the logging industry are working around heavy limber and dangerous machinery, day in and day out. As a result, they have an inherently higher risk for injury and death.

Fishermen

Working on a boat is much riskier than taking an afternoon boating trip or going for the occasional sail. Because fishermen are often working in harsh weather conditions, out on the sea for weeks at a time, and working with dangerous machinery, the risk is high.

Truck drivers

Truckers make the world go round, but the long hours on the road put you at greater risk for an accident. Whether it be long days trying to make a deadline or fellow drivers who do not respect truck drivers on the road, many things can go wrong.

Pilots

The chance of a plane crash is low, but when you’re a frequent flier or even responsible for the safety of that plane, your risk goes up. Anything can happen in the air, from unruly passengers to adverse weather events.

First responders

Without first responders like ambulance drivers, firefighters, and police officers, the world would be a lot more hectic. These heroes help to protect the average person, oftentimes leaving themselves vulnerable.

Precautions to take when working a high-risk profession

You’ll notice that the common denominator for all of the professions listed above is the inherent increase in surrounding yourself with increased danger. No matter how safe you are, there are always external forces that can put you at more risk, and so, precautions should be taken. If you find yourself in any of these professions or working in similarly risky environments, there are a few things you can do to help protect yourself and your loved ones:

1. Get accidental injury insurance

Accidental injury insurance is, just as it sounds, a benefit payout for when you suffer from a covered accidental injury. These plans offer a quantifiable benefit to help cover costs related to recovering from that injury, helping with expenses that major medical insurance doesn’t cover.

2. Secure life insurance

Regardless of if you’re in a riskier occupation or at a desk job, life insurance can be crucial for helping your dependents carry on in your absence. Keep in mind that it can be harder to secure coverage when your occupation is deemed riskier, but it’s not impossible. This policy can help your loved ones maintain their quality of life after you’re gone.

3. Stay up to date on safety information

If you work in a risky occupation, don’t skip brushing up on your safety knowledge. Within this, always conduct yourself in the safest manner, never forgoing a safety routine for convenience. Remaining vigilant and with a safety-first approach can help keep you safe and avoid extra risk.

Final thoughts

High-risk occupations are sometimes unavoidable, and despite your best efforts, you may find yourself in riskier situations than you planned for. To help protect yourself and your loved ones in the event of an accident, be sure to implement all of the options available to you, including injury and life insurance.

This is a brief product overview only. Coverage may not be available in all states. Benefits/premium rates may vary based on plan selected. Optional riders may be available at an additional cost. Policies and riders have limitations and exclusions that may affect benefits payable. For costs and complete details of the coverage, please contact your local Aflac agent. Accident (Series A37000) – In Idaho, Policy A37000ID. In Oklahoma, Policy A37000OK. In Virginia, Policies A371AAVA & A371BAVA. Life (Series B60000) – In Arkansas, Idaho, Oklahoma, Oregon, Pennsylvania, Texas, & Virginia, Policies: ICC18B60C10, ICC18B60100, ICC18B60200, ICC18B60300, & ICC18B60400.

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