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

# Life insurance for warehouse workers

Warehouse workers move the goods we buy every day. BLS counts about 6.9 million hand laborer and material mover jobs. Many work in warehouses and stockrooms.

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

Updated October 8, 20264 sources[Fact checked](/editorial-standards)

**6.9 million**About 6.9 million hand laborer and material mover jobs (6,917,800), a group that includes warehouse workers (2025)[Source: BLS OOH: Hand Laborers and Material Movers](https://www.bls.gov/ooh/transportation-and-material-moving/hand-laborers-and-material-movers.htm)

**6**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)

**1.7x**the average risk at work, based on the BLS rates

[### warehouse workers coverage calculator

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Open](/jobs/warehouse-workers/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, hand laborers and freight, stock, and material movers had a fatal injury rate of 6.0 per 100,000 full time workers. The rate for all workers was 3.5.

Part time work is common in this field. BLS says only 14 percent of part time workers had access to life insurance at work in 2026. A plan you own fills the gap.

* BLS says hand laborers and material movers have some of the highest rates of injuries and illnesses of all jobs.
* Only 14 percent of part time workers had access to a work life plan in March 2026, compared with 77 percent of full time workers.

## 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 job, like picker, loader, or forklift driver
* Full time or part time
* Any coverage you have through work
* Your age, health, and tobacco use

## Common questions

Can warehouse workers get life insurance?

Yes. Your age, health, and tobacco use matter most.

I work part time. Do I get life insurance at work?

Most part time workers do not. BLS says only 14 percent had access in 2026.

What if I switch warehouses?

Work coverage usually ends when you leave. A policy you own goes with you.

Is a work plan enough?

Maybe not. A basic plan often pays one or two times your yearly pay.

## 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: Hand Laborers and Material Movers](https://www.bls.gov/ooh/transportation-and-material-moving/hand-laborers-and-material-movers.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: Life insurance benefits, access and take up rates, March 2026 (Table 5)](https://www.bls.gov/news.release/ebs2.t05.htm)
4. [Texas Department of Insurance: Life insurance guide](https://www.tdi.texas.gov/pubs/consumer/cb018.html)

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