Working at heights

Introduction

In 2016/17 falls from height were the second most common cause of fatalities, accounting for nearly three in ten (25%) fatal injuries to workers (Reporting of Injuries, diseases and Dangerous Occurrences Regulations (RIDDOR). However, remained the number one cause of fatal injuries when looking at the 2012/13-2016/17 Annual average of 40 deaths per year*

(* http://www.hse.gov.uk/statistics/pdf/fatalinjuries.pdf)

Key points

  • The term indicating how high a person may work without it influencing the underwriting assessment is known as Private Dwelling House (PDH) heights.
  • Ratings will be applied throughout the term of the policy or to normal retirement age (assumption age 65 where not known), whichever comes first.

Underwriting philosophy

We no longer rate occupation from job title alone - only from a positive answer (for certain occupations) to the application working at heights question.

Decisions by product/benefit

  • Life cover

 

Life cover

Life cover
Occupation Decision
Concrete Erector Ordinary Rates (OR)
Crane Operator
Fire Fighter
Painter
Stone Mason
Tree Surgeon
Welder
Ariel Erector £1.00 per mile (£1 per £1000 of cover
Roofer
 Scaffolder
Steel Erector
Steeplejack
Window Cleaner
Other Occupations
  • Critical Illness Cover (CIC) - acceptable with an occupation exclusion applied
  • Total and Permanent Disability (TPD) - own occupation declined; Specified Work Tasks (SWT) accepted at Ordinary Rates (OR)
  • Income Protection Benefit (IPB) - declined
  • Waiver of Premium (WOP) - declined