Whether you’re constructing a skyscraper or driving a truck across the country, an accident at work is not outside the realm of possibilities. If tragedy strikes, you could be out of work for weeks, months or even years. Getting disability insurance is a smart investment that will supplement your income while you’re recovering from injury. Whether your job is typically safe or one of the most dangerous jobs on the planet, disability insurance will have you covered in case of an emergency. If you think your job puts you at risk, take a look at The Bureau of Labor’slist of the most dangerous jobs in America.

Construction Workers

Working in high places, operating industrial machinery, and demolishing buildings are just some of the things construction laborers have to deal with on a daily basis. With a fatality rate of 17.7 out of every 100,000 full-time workers, let’s hope those hardhats come in handy.

Electrical Power-line Installers and Repairers

When working with electrical circuits and high voltage distribution systems, accidents are bound to happen. A bad connection or a rusted wire can mean big trouble on the job. According to the Bureau of Labor Statistics, fatality rate is at 21.5 for every 100,000 workers.

Farmers, Ranchers, and Agricultural Managers

It may not seem so dangerous, but handling large pieces of machinery can result in all sorts of nasty mishaps. Plus, when you’re working long hours day after day, exhaustion can get the better of you. Farmers face a fatality rate of 21.8 out of 100,000 workers.

Truck Drivers

Long days and nights on the road lead to plenty of traffic accidents, especially when you’re driving massive 20 to 40 ton loads across the country. Lack of sleep is usually the number one cause of accidents on the highway. Truck drivers see an annual fatality rate of 22 deaths out of every 100,000 regular employees.

Natural Resource Miners

Working underground has its challenges. If an accident strikes, workers could be trapped underground with few resources and a limited source of oxygen. Heavy machinery can also lead to all sorts of hazards on a daily basis. Fatality rate is at 26.9 for every 100,000.

Refuse and Recyclable Materials Collectors

Collecting trash is more than just a messy job. Workers can come in contact with all sorts of hazardous materials. Not to mention, operating machinery and working in traffic can result in plenty of injuries. Collectors have to contend with a fatality rate of 33 for every 100,000 workers.


It’s a long way down. Roofers see a fatality rate of 38.7 out of every 100,000 workers. Slipping over the edge or loosing your balance happens all too often for those in the roofing business.

Pilots and Flight Engineers

Mechanical failures and violent storms are just some of the potential threats facing an aircraft pilot. When you’re cruising at high altitudes in a metal tube that weighs 100s of tons, issues are bound to arise. Pilots and flight engineers have to contend with a fatality rate of 50.6 for every 100,000.


With raging seas, malfunctioning equipment, and overboard passengers, this industry is full of risks. If a disaster strikes, fisherman can be thousands of miles away from shore. With a fatality rate of 75 out of 100,000, the pay had better be worth it.

Logging Workers

At the top of the list, logging is one of the toughest industries around. Working in remote locations, powering massive pieces of machinery, and contending with unruly weather, loggers see their fair share of yearly fatalities with a rate of 91.3 deaths for every 100,000 full-time workers.