A hazardous occupation is work with elevated mortality or morbidity risk-such as commercial aviation, offshore drilling, logging, mining, explosive handling, or certain public-safety roles.Underwriting assesses training, duties, environment, and protective measures. Outcomes range from standard offers to ratings or declines, and some contracts exclude specific activities.Business-owner needs (key-person, buy-sell) often justify coverage despite added cost.

Field underwriting captures duties, certifications, and safety protocols. Advisors pre-shop carriers with friendlier niches and set expectations for ratings or exclusions tied to specific tasks.