---
title: Life Insurance for Construction workers | Coverfolk
url: https://coverfolk.com/jobs/construction-workers
updated: 2026-10-08
---

# Life insurance for construction workers

Construction work is tough. You work outdoors, sometimes up high, around heavy machines. BLS says construction laborers have one of the highest injury rates of any job.

[Find my coverage gap](/jobs/construction-workers/calculator)

Updated October 8, 20265 sources[Fact checked](/editorial-standards)

**1.7 million**About 1.7 million construction laborer and helper jobs (1,674,400) (2025)[Source: BLS OOH: Construction Laborers and Helpers](https://www.bls.gov/ooh/construction-and-extraction/construction-laborers-and-helpers.htm)

**15.4**fatal injuries per 100,000 workers in 2023, vs 3.5 for all jobs[Source: BLS CFOI: Civilian occupations with high fatal work injury rates, 2023](https://www.bls.gov/charts/census-of-fatal-occupational-injuries/civilian-occupations-with-high-fatal-work-injury-rates.htm)

**4.4x**the average risk at work, based on the BLS rates

[### construction coverage calculator

Your pay, your loans, your work plan. See the gap in 30 seconds.

Open](/jobs/construction-workers/calculator) [### If you die on the job

What workers comp, work plans and Social Security pay, and what they don't.

Open](/jobs/construction-workers/on-the-job-death)

## Why it matters

In 2023, construction laborers had a fatal injury rate of 15.4 per 100,000 full time workers. Construction trade helpers were at 27.4. The rate for all workers was 3.5.

Many crews move from job to job. Work coverage usually stops when you leave. A policy you own goes with you.

* Fatal falls, slips, and trips among construction and extraction workers were 370 in 2024.
* Life insurance from work usually ends when you leave the job. A basic work plan often pays only one or two times your yearly pay.

## What an insurer may ask you

Have these ready. Being honest up front gets you a real price and avoids problems at claim time.

* Your trade and daily tasks
* Work at heights or in trenches
* Heavy equipment use
* Do you own the business?
* Health, age, and tobacco use

## Common questions

Can construction workers get life insurance?

Yes. Your trade can affect your price. Insurers look at your job, age, and health.

Does work coverage follow me to the next job?

Usually not. Coverage through a job typically ends when you leave.

How much coverage should I get?

Think about your mortgage, debts, lost pay, funeral costs, and school costs for kids.

## Coverage people in this job pick

[**Term life: The most coverage for the least money, for 10 to 30 years.**](/coverage/term-life)[**Mortgage protection: Life insurance sized to your home loan, so the house stays paid.**](/coverage/mortgage-protection)[**Final expense: Small whole life plans that pay for a funeral and last bills.**](/coverage/final-expense)[**Does my job change what I pay for life insurance?**](/answers/does-my-job-affect-life-insurance)[**Is the life insurance from my job enough?**](/answers/work-life-insurance-enough)[**How much life insurance do I need?**](/answers/how-much-life-insurance-do-i-need)

## Sources

1. [BLS OOH: Construction Laborers and Helpers](https://www.bls.gov/ooh/construction-and-extraction/construction-laborers-and-helpers.htm)
2. [BLS CFOI: Civilian occupations with high fatal work injury rates, 2023](https://www.bls.gov/charts/census-of-fatal-occupational-injuries/civilian-occupations-with-high-fatal-work-injury-rates.htm)
3. [BLS: National Census of Fatal Occupational Injuries in 2024](https://www.bls.gov/news.release/cfoi.nr0.htm)
4. [Texas Department of Insurance: Life insurance guide](https://www.tdi.texas.gov/pubs/consumer/cb018.html)
5. [Texas Department of Insurance: Do you need life insurance?](https://www.tdi.texas.gov/tips/life-insurance.html)

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