C&D Specialist Insurance
Decisions can be instant after application submitted
Life, Income Protection & Critical Illness Cover
Global cover at no extra cost
Unlock exclusive coverage tailored to your high-risk job
We specialise in providing comprehensive insurance coverage for individuals working in high-risk occupations. With our deep industry knowledge and expertise, we are able to arrange tailored insurance solutions that address the unique needs and challenges associated with your line of work.
Our deep understanding of your occupation enables us to offer 99% of coverage at no additional cost. We recognise the risks involved in offshore oil & gas, subsea, renewables, merchant marine, and working at heights, and we strive to provide you with the peace of mind you deserve.
99%
Coverage provided at no extra cost
1,900+
Happy policyholders covered
5/5
Average customer satisfaction score
Discover the right coverage solution for you
Finding the right insurance coverage for high-risk occupations can be complex. Our experienced professionals simplify the process. With 30+ years of expertise, we understand your work, locations, and potential risks.
We arrange coverage for 99% of high-risk occupations without extra premiums. From commercial divers to offshore workers, including rigging, crane operation, engineering, ROV piloting, and more, we've got you covered.
We also cater to workers at heights like rope access technicians, scaffolders, roofers, painters, blasters, and NDT personnel. Our comprehensive coverage protects you financially in case of accidents, injuries, or critical illnesses.
Contact us now to secure your tailored coverage and gain peace of mind.
Frequently asked questions
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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.
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Will I be covered whilst at work?Yes, you’ll be covered 100% of the time 24/7/365.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.