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C&D Specialist Insurance

Specialist insurance for high-risk industries

Covering oil & gas, subsea, renewables, merchant marine and at-heights sector workers - offshore & onshore.

Decisions can be instant after application submitted

Life, Income Protection & Critical Illness Cover

Global cover at no extra cost

Unmatched expertise, comprehensive coverage

The UK's longest established and most recognised specialist broker for life insurancecritical illness insurance and income protection insurance to those working in the oil & gas, subsea, renewables, merchant marine and at heights sectors - offshore & onshore.

Traditionally, your job is seen as high risk. With our specialist industry knowledge, we are able to arrange cover at no additional cost because of your ‘high risk’ occupation. We also arrange cover for any other occupation.

Get advice from the only RMT Union Approved Specialist in the whole of the UK.


Why speak to us?


Multi award winning specialists – we know our stuff and your industry


30+ years of experience in the specialist insurance market

Peace of mind

Over £260 million of cover arranged for our customers

RMT Approved

The only RMT approved specialist broker in the entire UK


Insurance solutions for high-risk and overseas work

At C&D Specialist Insurance, we specialise in providing comprehensive insurance solutions for high-risk occupations and overseas work. With over 30 years of experience, we understand the unique challenges and risks involved. Whether you work in hazardous occupations or in challenging locations, we've got you covered. We arrange 99% of cover with no increased premiums, ensuring you have the protection you need.

We also offer life insurance options for individuals and companies. Our affiliated partner QDOS offers competitive insurance policies for small businesses and contractor-specific risks.

Featured reviews

Well recommended

Just got my life and critical illness cover through Jordan Gatting at C&D. Great service from Jordan who goes over and above to get you the product you want. Well recommended.

David Wright

Offshore Fabric Maintenance Engineer

Frequently asked questions

  • Will the premiums go up because of the work I do?
    99% of the time we can arrange cover on standard terms, meaning there will be no increase in premiums because of your job.
  • Will I be covered whilst at work?
    Yes, you’ll be covered 100% of the time 24/7/365.
  • Will I be covered travelling to and from the Rig/Installation either by a Helicopter or Vessel?
    Yes, you’ll be covered 100% of the time regardless of the mode of travel.
  • Can you also arrange cover for my partner?
    Yes, we can provide cover for partners on the same basis. We’ll just need their DOB, smoker status and how much cover they want and for how long.
  • Will I be covered if I work overseas?
    Yes, we can arrange cover for people working overseas. There are some location hotspots (such as conflict zones), but that doesn’t mean we can’t get you covered. We’ll just need to ask a few additional questions.
  • Will my children be covered under a critical illness policy?
    Most policies provide a level of cover for children if diagnosed with a specified critical illness. This is typically £25,000 but could increase to £50,000 depending on the policy and provider.
  • If I take out a policy will be the monthly premiums stay the same or will they increase each year?
    All life & critical illness policies we arrange are on a guaranteed premium basis, meaning the monthly costs will stay the same for the duration of the policy.
  • Who will get the money if I die?
    We write all policies in trust meaning if you were to die, the lump sum will pay out to the beneficiaries you have selected, which avoids any potential inheritance tax and usually pays out within 30 days of a claim.
  • Can I arrange the cover over the phone?
    Yes, we complete all applications over the phone, which usually takes no longer than 15-20 minutes, and subject to standard underwriting you could be covered immediately.
  • I already have a policy, can you review this?
    Yes, we can. Generally, if you have an older style policy, this may have exclusions or increased premiums because of your occupation. We may be able to replace it, so it has no exclusions or increased premiums.

Protect your future, get covered today

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