Why Construction Workers Need CIC
Construction has the highest rate of occupational cancer deaths in the UK, largely due to historic asbestos exposure. Combined with the physical demands of the job and the high proportion of self-employed workers with no employer benefits, CIC is essential.
Key Health Risks in Construction
- Mesothelioma and asbestos-related cancers – Construction accounts for the majority of UK mesothelioma deaths
- Silicosis and lung disease – From dust exposure (concrete, stone, plaster)
- Skin cancer – From prolonged outdoor UV exposure
- Musculoskeletal conditions – Not typically covered by CIC, but often lead to inability to work
- Heart conditions – Physical exertion and stress contribute to cardiovascular risk
How Much Cover?
Consider what you would need the money for:
- Mortgage clearance: Match your cover to your outstanding mortgage
- Income replacement: 2–3 years of earnings to cover recovery time
- Treatment costs: Private treatment could speed your return to work
Many construction workers opt for £50,000–150,000 of cover as a realistic and affordable amount.
Combine with Income Protection
CIC covers specific serious conditions. Income protection for construction workers covers inability to work from any illness or injury, including back problems and joint injuries that are common in the trade. For comprehensive protection, consider both.
Frequently Asked Questions
Yes. Highest occupational cancer rate. Most are self-employed with no employer benefits.
Minimum: mortgage clearance. Ideal: mortgage + 2–3 years income. Typical: £50k–150k.