Salary Protection for High-Risk Jobs in Ireland

Salary Protection for High-Risk Occupations – Protecting Your Wages When Risk Is Part of the Job

If your job involves physical work, shift patterns, or frontline responsibilities, your risk of injury or illness is higher than average.

High-risk jobs in Ireland include:

• Transport workers (bus drivers, delivery drivers)

• Manufacturing and factory workers

• Health service and healthcare professionals

• Landscaping, grounds maintenance, and outdoor work

For workers in these sectors, salary protection / income protection is not optional – it is essential.

Why High-Risk Workers Need Salary Protection

A serious injury or illness can:

• Prevent a return to your original role

• Result in long recovery periods

• Permanently reduce earning capacity

Salary protection helps ensure:

• You still receive an income while recovering

• Your household finances remain stable

• You can focus on rehabilitation rather than bills

Early action is key. The longer you wait, the greater the chance of:

• Higher premiums

• Occupational exclusions

• Reduced cover options

Protecting Your Wages Protects Your Future

Even if your job is physically demanding today, salary protection helps ensure that one incident does not define the rest of your working life. 

Talk to an adviser experienced in high-risk occupations. Secure your income before you need it.