Working on the frame
Steel erectors assemble the structural frames of warehouses, offices and industrial buildings. The work happens at height, from access platforms or on the steel itself, bolting beams and columns as they are lifted into place. It demands strength, balance and constant focus.
Falls are the risk insurers fear most, but the more common injuries are crushed hands, back and shoulder strain from heavy bolting tools, and knee problems from climbing. Weather and long days on exposed frames add to the wear.
Away from home, paid by the day
Many steel erectors travel the country in gangs, staying away during the week. Pay can be good, often as contractors under the Construction Industry Scheme. But there is rarely any sick pay, and an injury means both the income and the work stop.
Some erectors are directly employed by steel firms, with statutory or company sick pay. Check your terms before deciding on a waiting period.
Working away can make it harder to see a GP about a niggling injury. Insurers usually need medical evidence for a claim, so getting problems looked at early helps in more ways than one.
- Contractors: no sick pay, cover based on declared profits
- Employed: find out how long sick pay lasts
- Working away: travel and living costs stop, but home bills do not
- Supervisors and foremen: tell the insurer about your role
Finding cover in a high risk class
Insurers rank steel erection near the top of their risk scales. Some will not offer income protection. Others offer short-term cover paying for a limited period per claim, or a definition based on basic work tasks rather than your own job.
Limited cover can still keep a mortgage paid through a long recovery from a serious injury. Knowing which insurers will consider the job, and how they word their cover, is where advice really helps. Erectors who move into supervision or rigging management may find more insurers willing to help as their time on the steel falls.
Life insurance for steel erectors
A life policy pays a lump sum if you die during its term. Insurers ask about heights and your duties, and some add a loading for steel erection. Others may accept you on standard terms.
Even with a loading, life cover is usually available and can clear a mortgage and support your family.
How Hi Tomorrow helps steel erectors
We know which insurers consider steel erection and on what terms. We ask about your role, how you are paid and your monthly costs, then lay out the options honestly.
Steel erectors who travel often have little time for paperwork, so we keep it short: one conversation, a clear explanation of each option and help completing the forms. If you claim, we stay with you until it is settled.