Occupations

Referral occupations are generally hazardous, and you should contact us to confirm your eligibility.

Please refer here for adjustments to premiums for each occupation rating.

A|B|C|D|E|F|G|H|I|J|K|L|M|N|O|P|Q|R|S|T|U|V|W|X|Y|Z
Occupation Rating
A Top
Accountant 1
Accountant-Turf/bookmaker 3
Accounts Staff 1
Actor/Actress 2
Actuary 1
Administration staff 1
Advertising agent 1
Advertising staff 1
Aerial contractor 5
Aerobic Fitness instructor 3
Agricultural Contractor 5
Air Force - Other Ranks Referral
Air force NCO 1
Air Traffic controller 2
Aircraft Cabin Crew Referral
Aircraft Flight Deck Crew Referral
Airline employee (ex crew) 3
Airline employee non airport 2
Ambulance crew 4
Amusement arcade staff 3
Antique dealer 3
Archaeologist 4
Architect 1
Archivist 1
Army - Other Ranks Referral
Army NCO 1
Aromatherapist 1
Art dealer 2
Artist 2
Asphalter / Road worker 5
Assembly worker 4
Au pair 2
Auctioneer 1
Auditor 1
Author 1
B Top
Baggage Handler 3
Bailiff 5
Baker 2
Baker shop-supervisory 2
Bank staff 1
Bar staff 3
Barber 2
Barrister 1
Beautician 2
Blacksmith 5
Blaster 5
Boat builder 5
Boiler man 4
Book keeper 1
Bookmaker - Bookbinding 2
Bookmaker- Gambling 3
Boot/shoe maker/repairer 3
Breeder 3
Brewery worker 4
Bricklayer 5
Broadcaster - TV & radio 1
Builder 5
Builders merchant 3
Building consultants 2
Bursar 1
Bus conductor/driver 4
Business consultant 1
Butcher 4
Butcher inc slaughter 5
Buyer 1
C Top
Cabinet maker ex WWM 4
Cabinet maker inc WWM 5
Cafe Proprietor 2
Cameraman (ex hotspots*) 2
Car park attendant 2
Care assistant 2
Caretaker 3
Carpenter 4
Carpenter ex WWM 4
Carpenter inc WWM 5
Carpet fitter 3
Carpet retailer 2
Cartographer 1
Cashier 2
Casual worker 5
Caterer 2
Ceramic Tiler 3
Chambermaid 2
Chauffeur 2
Chef 2
Chemist 1
Child 1
Child minder 2
Chimney sweep 3
Chiropodist 2
Circus worker 5
Civil Engineer 4
Civil servant 1
Claims / loss adjuster 2
Cleaner 2
Clergy 1
Clerical worker 1
Clerk of works 2
Clothing Manufacturer 3
Coal merchant 5
Coastguard 5
Collector -door to door 2
Commercial Traveller 2
Commodity - Broker /Dealer 1
Company secretary 1
Computer consultant 1
Computer operator 1
Computer programmer 1
Computer technician 2
Confectioner (manufacturing) 3
Confectioner (retail) 2
Conference organiser 1
Construction worker 5
Consultant 1
Consultant - medical 4
Consultant engineer 2
Contractor 4
Cook 2
Cooper 4
Coroner 1
Counseller 2
Courier 3
Courier - driver 4
Courier - motorcycle 5
Craftsman 4
Crane operator 5
Credit controller 1
Croupier 2
Curator 1
Customs & Excise - clerical 1
Customs & Excise - non-clerical 3
Cutler 4
D Top
Dairy worker 4
Dancer 3
Debt Collector 4
Deliveryman 2
Demolition worker 5
Dentist 4
Designer - fashion, graphic, interior 1
Diplomatic staff (ex hotspots*) 1
Director - clerical 1
Disc Jockey 2
Dispenser - Chemist shop 2
District valuer 1
Diver 5
Docker 5
Doctor 4
Doorman 5
Double glazing fitter 5
Draughtsman 1
Dressmaker 2
Driver - car delivery 3
Driver - fork lift 4
Driver - HGV 4
Driver - hire car 3
Driver - hot food deliverer 3
Driver - light goods 3
Driver - plant 3
Driver - train 3
Driver - wholesale newspaper 3
Driver -Taxi 5
Driver-hgv 4
Driving examiner 3
Driving Instructor 3
Dry cleaner 3
Ducting Cleaner 3
E Top
Earth moving contractor 5
Ecologist 1
Economist 1
Editor 1
Electrical cable installer 4
Electrical contractor 3
Electrical Engineer 3
Electrical retailer 2
Electrician 3
Electrician - Vehicle 4
Electronics technician 2
Embassy staff 1
Emergency Service Staff Referral
Engineer 4
Engineer - Aeronautical 4
Engineer - Broadcasting 3
Engineer - Chemical 4
Engineer - Civil 4
Engineer - Electrical 3
Engineer - Heating 4
Engineer - Marine 4
Engineer - Mechanical 4
Engineer - Mining 5
Engineer - Office based 1
Engineer - Sales 2
Engineer - service 3
Engineer - TV /Heights 5
Engineer - Vehicle 4
Engineer-Electrical 3
Engineer-mechanical 4
Engineer-telecom 3
Engraver 3
Entertainer 2
Entertainment booking agent 2
Equestrian owner 4
Estate agent 1
Estate manager 2
Estimator 2
Event planner/organiser 1
Excavation equip operator 5
Executive 1
Exhibition organiser 1
Explosives Worker Referral
F Top
Fabricator 4
Factory worker 3
Fairground worker 4
Farm Manager 4
Farm Worker 4
Farm Worker - Light 2
Farmer 4
Farrier 5
Fast food caterer 2
Financial Advisor 1
Financier 1
Firearms manufacturer 3
Firefighter 5
Fish fryer 3
Fisherman - Inshore 5
Fisherman - Offshore Referral
Fishmonger 3
Fitter 4
Florist 2
Forces - Armed Referral
Foreman plant fitter 4
Forester - ex power tools 4
Forester inc felling 5
Fork lift truck driver 4
Fruiterer 3
Fund raiser 1
Furnace man 5
Furniture maker 4
Furniture remover/restorer 4
Furniture shop owner 2
Furrier 2
G Top
Gamekeeper 4
Gaming club staff 2
Garage owners 4
Gardener 3
Gas industry manual 4
Gas industry non manual 2
General worker 5
Geologist 2
Glass worker 4
Glazier 4
Goldsmith 2
Grave digger 4
Greengrocer 2
Groom 4
Grounds man 3
Guest house owner 2
Gym Instructor 3
H Top
Hairdresser 2
Haulier driver / loading 4
Hawker 3
Head teacher 1
Health service employee 2
Health visitor 2
Hirer 2
Holiday camp staff 2
Home help 2
Horse riding instructor 4
Horticulturist 3
Hosiery manufacturing 3
Hotelier 3
Housekeeper 2
Housewife 2
I Top
Import / Export staff 2
Industrial chemist 3
Inland revenue officer 1
Inspector 2
Inspector - Factory 3
Inspector - HM taxes 2
Inspector - Insurance 1
Instrument engineer/restorer 2
Instrument maker 3
Insurance Agent 1
Insurance broker 1
Insurance staff 1
Interior Designer 2
Interpreter 1
Ironmonger 3
J Top
Jeweller 3
Jockey Referral
Joiner - Offshore Referral
Joiner ex WWM 4
Joiner inc WWM 5
Journalist Referral
Judge 1
K Top
Kennels employee 3
Kitchen Installer 4
Kitchen specialist 3
Knitter 1
L Top
Lab Technician 1
Laboratory technician 2
Labourer 5
Land agent 1
Landlord (pub) 4
Landowner 1
Landscape gardener 4
Laundry staff 3
Lawyer 1
Lecturer 1
Legal secretary 1
Librarian 1
Licensee 4
Lifeboat man 5
Lifeguard 5
Light farm worker 2
Lighting designer 2
Line technician 2
Lithographer 1
Locksmith 3
Loss adjuster/Assessor 2
M Top
Machine operator 4
Machinery Installer 5
Machinist 3
Magistrate 1
Maintenance staff 3
Management consultant 1
Manager - Office based 1
Manager licensed premises 4
Manager retail shop 2
Manager sports 2
Manager station 2
Manager travelling sales 2
Manicurist 2
Manufacturing agent 1
Market gardener 3
Market researcher - office bound 1
Market researcher - other 2
Market trader 4
Marketing non travelling 1
Marketing travelling 2
Mechanic 4
Medical practitioner 4
Merchandiser sales 2
Merchant 2
Merchant navy 5
Merchant navy officer 4
Messenger 2
Metal worker 5
Metallurgist 3
Meteorologist 1
Meter reader 2
Midwife 2
Milkman 3
Milliner 2
Millwright 4
Miner 5
Model 4
Money lender 1
Motor Mechanic 4
Motor racing organiser 1
Motor trader 2
MP 2
Music teacher 1
Musician 3
N Top
Nanny 2
Naturalist 2
Navy NCO / other ranks 1
Negotiator 1
Newsagent 2
Night club staff 4
Non teaching assistant 1
Not working 1
Nun 1
Nurse 5
Nursery nurse 2
Nurseryman 3
O Top
Occupational therapist 2
Office worker 1
Offshore Joiner Referral
Opthalmic surgeon 2
Optician 1
Osteopath 2
P Top
Packer 3
Paint sprayer 4
Painter 4
Paramedic 3
Park attendant 2
Patrolman 3
Pattern maker 2
Pawnbroker 2
Personal Assistant - office based 1
Pest control 3
Petrol station attendant 3
Pharmacist 2
Photographer 2
Physiologist 2
Physiotherapist 2
Piano tuner 2
Pipe layer Referral
Plasterer 4
Plater 4
Plumber 4
Police Force Referral
Pools collector 2
Porter 3
Post man / woman 3
Post office staff 2
Potter 3
Poultry farmer 3
Printer 2
Prison Officer 5
Private Investigators 5
Probation officer 2
Process worker 3
Producer - performing arts 1
Production Engineer 2
Professional Sportsperson Referral
Professor 1
Projectionist 2
Promoter 1
Proof reader 1
Property developer 1
Property management 2
Property owner 1
Proprietor riding stables 4
Psychotherapist 2
Public relations officer 1
Publican 4
Publisher 1
Q Top
Quality control inspector 2
Quality controller 1
Quantity surveyor 1
R Top
Radiographer 2
Railway staff 3
Receptionist 1
Recruitment consultant 1
Reflexologist 2
Refuse collector 4
Registrar 1
Remedial therapist 2
Removals 4
Repairer 3
Reporter UK only 2
Representative 2
Researcher - office based 1
Researcher - other 2
Rest home proprietor 2
Restauranteur 2
Retailer 2
Retired Referral
Rig Worker - Offshore Referral
Rig worker onshore 5
Roofer 5
S Top
Saddle maker 3
Sales - no travelling 1
Sales assistant 2
Sales telephone 1
Sales travelling 3
Sawmill manager 4
Scaffolder 5
Scientist 1
Scrap metal dealer 5
Screen printer 2
Script writer 1
Scuba Teaching/ Ski Instruction 4
Sculptor 4
Secretary 1
Security Guard 5
Security Guard - Armoured van Referral
Security Officer 3
Servant 2
Shipyard worker 5
Shop assistant 2
Shop proprietor 2
Shopfitter 4
Sign erector 4
Signwriter 4
Ski & Scuba Instruction 4
Slaughterer 5
Snowboarding Instructor 4
Social Worker 3
Social Worker 3
Solicitor 1
Sorter 2
Speech therapist 2
Sports administrator 1
Sports Centre attendant 2
Sports Coach (ex Professional) 4
Sportsperson - Professional Referral
Sportsperson- Semi-professional Referral
Stable hand 5
Stables - Proprietor 4
Stage mover 4
Stationer 2
Statistician 1
Steel worker 5
Steeplejack 5
Stevedore 5
Steward / stewardess 2
Stock controller 1
Stockbroker 1
Stonemason 4
Street trader 4
Student 2
Supermarket inc machinery 3
Supermarket staff 2
Supervisor 1
Surgeon Referral
Surveyor - chartered 2
Surveyor - mining 5
Surveyor - office only 1
System Analyst 1
T Top
Tailor 2
Tattoist 1
Tattooist 4
Taxation consultant 1
Taxi driver 5
Taxidermist 2
Teacher 1
Teacher P.T 3
Teachers assistant 2
Technician 3
Telephonist 1
Textile worker 3
Thatcher 5
Ticket Inspector 2
Tiler 5
Timber merchant 5
Tobacconist 2
Toolmaker 3
Toy maker 3
Tractor driver 4
Trade union official 2
Tradesman 3
Traffic warden 2
Trainer - Animal 5
Training Officer 1
Translator 1
Travel agent 1
Tree surgeon 5
Typist 1
U Top
Undertaker 3
Underwriter 1
Unemployed Referral
Upholsterer 3
Usher 1
V Top
Valet 2
Valuer 1
VDU Operator 1
Vehicle body worker 4
Vehicle examiner 4
Vehicle valet 2
Veterinary Surgeon 4
Visiting home teacher 2
Voluntary worker - manual work 3
Voluntary worker (ex hotspots*) 1
W Top
Waiter / Waitress 2
Warehouseman 4
Watchmaker 2
Water Industry worker 3
Web Developer 1
Welder 5
Wholesaler 2
Window cleaner 5
Window fitter 5
Wine merchant 3
Wood worker ex WWM 4
Wood worker inc WWM 5
Woodcarving teacher 4
Writer 1
X Top
Y Top
Z Top