---
title: Life Insurance for Loggers | Coverfolk
url: https://coverfolk.com/jobs/loggers
updated: 2026-10-08
---

# Life insurance for loggers

Logging is one of the most dangerous jobs in the country. BLS counts about 40,000 logging jobs. Falling trees and limbs, steep ground, and heavy machines are part of the day.

[Find my coverage gap](/jobs/loggers/calculator)

Updated October 8, 20263 sources[Fact checked](/editorial-standards)

**40,000**About 40,000 logging worker jobs (40,400) (2025)[Source: BLS OOH: Logging Workers](https://www.bls.gov/ooh/farming-fishing-and-forestry/logging-workers.htm)

**98.9**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)

**28.3x**the average risk at work, based on the BLS rates

[### loggers coverage calculator

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Open](/jobs/loggers/calculator) [### If you die on the job

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

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## Why it matters

In 2023, logging workers had a fatal injury rate of 98.9 per 100,000 full time workers. The rate for all workers was 3.5. That is about 28 times higher.

About 3 in 10 loggers are self employed. If you work for yourself, there is no work life plan unless you buy one. Life insurance can help your family if the worst happens.

* BLS says logging workers have one of the highest rates of deadly injuries of all jobs.
* About 30 percent of logging workers are self employed. BLS benefits counts leave out the self employed, so any coverage is up to you.

## 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 exact job, like faller, equipment operator, or truck driver
* Hand felling or machine felling
* Whether you are self employed
* Your age, health, and tobacco use
* Your driving record

## Common questions

Can loggers get life insurance?

Yes. Your job may raise the price. Insurers ask what you do in the woods.

Does running a machine cost less than hand felling?

It may. Insurers often ask about your exact tasks.

I own my logging business. Do I have any coverage?

Only if you bought it. There is no employer plan when you work for yourself.

Should I tell the insurer my real job?

Yes. Always answer the application truthfully. A wrong answer can cause problems when your family files a claim.

## 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: Logging Workers](https://www.bls.gov/ooh/farming-fishing-and-forestry/logging-workers.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: Employee Benefits in the United States, March 2026](https://www.bls.gov/news.release/ebs2.htm)

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