Far out Friday: Top 10 risky clients

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Life insurance is important for everyone to think about, but for some people it’s down-right necessary.

Take commercial fishing. It’s known as the most dangerous job in the world and is 17 times more risky than mining, according to lifeinsurancefinder.com.au. However, these high-risk jobs also mean more work for advisers in convincing the daredevils that the price is worth it.

“Many people may also not realise that the cost of a life insurance policy is determined by the level of risk you have in your life. One of the main risk factors is your job and a full-time worker spends the majority of their waking life doing their job or travelling to and from it,” says Michelle Hutchison, spokesperson for lifeinsurancefinder.com.au.

The comparison website has listed Australia’s top 10 most dangerous jobs of 2013, taking information from Australian Bureau of Statistics, Safe Work Australia,  the US Bureau of Labour Statistics, listverse.com and Yahoo Finance.

Even though some jobs require more comprehensive policies than others, even white-collar jobs can pose a considerable threat – including financial services. According to a report by Safe Work Australia, there were over 13,000 Australians who sustained serious injuries working in retail in 2010-11, while almost 10,000 workers claimed for serious injuries in education, communications, and finance.

So if you get a client that has one of these occupations, then alarms bells should be going off in your head:

  1. Commercial fishers: Working out at sea is widely known as the most dangerous job in the world, and 17 times more dangerous than mining.
  2. Truckers: 200 fatal crashes involving truck drivers were reported in 2011, making up 15% of all road fatalities that year. The Federal Government note that Truckers are 10 times more likely to die on the job than than any other occupation.
  3. Farmers: In 2008, being a farmer would’ve landed you in the top three most dangerous jobs in the world.
  4. Miners: 50 to 60 Australians die each year in the mining industry from toxic gases and explosions.
  5. Construction workers: 13 construction workers have died so far this year. Leighton Holdings averages 40 to 50 dying each year on Australian construction sites.
  6. Tree Loppers: Between 2010 and 2012, five tree loppers were reported dead in Sydney alone. They face the threat of overhead electric wires, unsteady branches and working with chainsaws.
  7. Defence Force: About one police officer is murdered every year in Australia. They deal with the risk of infectious disease, abuse, injury, assault and even death on a daily basis.
  8. Firefighters: Unruly bush fire seasons, coupled with day-to-day accidents, put firefighters in high demand. Most firefighters die from heart attacks (44%), followed by trauma related deaths (27%), crashes (20-25%) and burns and asphyxiation (20%).
  9. Pilots: Even experienced commercial pilots are no match for adverse weather conditions and possible mechanical failures, among other hazards, making the job high risk.
  10. Garbage Collectors: Exposure to toxins and chemicals on a daily basis can lead garbage collectors to experience long-term damage. There is also the threat of accidents on the road.

The list is not ranked, however, a commercial fisher is widely known to be the most dangerous job in the world and hence placed at number one.

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