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The Most Dangerous Jobs to Insure in Texas

All jobs have occupational hazards – even office workers get paper cuts or, more often these days, carpal tunnel syndrome. But some occupations are riskier than others, rodeo clowns? You bet. And those risks are reflected in insurance policies. Disability and life insurance policies are especially affected by dangerous jobs.

In 2015, according to an article in Time, 4,836 fatal injuries occurred on the job, which was slightly higher than the 2014 figure. Loggers, fishers and pilots topped the list of most dangerous jobs. Loggers suffered 132 deaths per 100,000 workers – much higher than the national average of 3.4 deaths per 100,000. Men are five times more likely to expire at work than women. At four deaths per 100,000 workers, Latinos have the highest death rate of any racial group tracked.

The riskiest jobs in Texas are in line with elsewhere in the US, although we don’t have many logging jobs with our lack of trees. In 2012, 433 workers died from on-the-job injuries, topping the list for most work-related deaths, according to CBS News. Why is Texas so dangerous? The huge boom in oil, gas and construction mean a lot of blue collar workers put their lives on the line in the course of their ordinary workday duties.

These high fatality rates are of special concern to Texans, since Texas is the only state that doesn’t require employers to provide workers’ compensation insurance. While workers in other states take workers’ comp as a given, Texans need to spend time researching policies.

Let’s take a look at Texas’ most dangerous jobs, and get a rough idea of average policy size and cost figures.


More than half of the world’s workplace fatalities happen in agriculture, according to the International Labour Organization. And since the USDA ranks Texas as the third biggest agricultural state (after California and Iowa), there are all too many fatal accidents here. Farming accidents are usually machine-related, such as tractors overturning or body parts getting caught in machinery.

Fishing Industry

Fishing has a fatality rate of 117 per 100,000 workers nationwide. Heavy equipment, nasty weather and bucking boats all contribute to this high number. Many fishermen drown when their vessels sink, or from falls overboard. Deck winches on shrimp boats kill an average of three people per year in the Southern shrimp fleet, according to the Centers for Disease Control.


First, the bad news. Pilots and flight engineers have Texas’ third highest per capita on-the-job death rate. The good news? They’re better paid than other occupations on this list. Fortunately, pilots are much likelier to die in private planes rather than commercial airliners carrying hundreds of passengers. In December of 2016, three people were killed when two small planes collided in mid-air near McKinney, TX

Tractor-Trailer Truck Drivers

All types of driving careers – even traveling salesmen—face an elevated risk of dying on the job. But the Texas Department of Insurance warns that driving a tractor-trailer is especially deadly. An average shipment weighs at least 13 tons, which spells disaster for truckers who lose control of their vehicles.


The highly physical work of construction results in many deaths. Predictably, steel workers and roofers are at an especially high risk of dying at work. In addition to the obvious risk of falling, roofers in sunny places like Texas are also vulnerable to heatstroke.

Electric Installation, Repair and Maintenance

Not only do electric workers have to climb poles and work with live wires, they do it during the worst weather conditions, since wind is often the culprit in outages. Across the nation, electric workers have the seventh deadliest occupation, averaging 23 deaths per 100,000 workers. In Texas, 44 electric workers died on the job in 2012.

Oil and Gas Workers

The number of extraction jobs waxes and wanes, with robots now replacing some workers. But those humans who remain in Texas’ vast oil and gas industry face a high fatality risk. According to OSHA, about 39 oil field workers annually fall prey to work-related deaths.

Garbage Collectors

At first glance, collecting trash seems less dangerous than many other jobs on this list. But the hazardous materials, heavy equipment and sheer number of hours on the road add up to a high death toll.

Does your employer offer insurance policies that will help pay the bills in case of disability? Do you have a good life insurance policy to make sure your family is protected in the sad case of your untimely death? Give us a call and we’ll discuss your best policy options.

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How will Open Carry Affect Insurance for Texas Businesses?

Open carry legislation went into effect in Texas on January 1, 2016. This means that ordinary citizens with an existing concealed handgun license, can openly carry their firearms in public. There are several exceptions, including college campuses, federal and state owned land and in businesses that overtly prohibit open carry. While Texas is by no means the first state to allow open carry, it’s the biggest! And Texans are well known for prizing their guns.

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The Minimum Insurance You Need as an Entrepreneur

If you start reading about all the types of insurance on the market for a business, you might become overwhelmed. It’s a rookie mistake to forgo insurance, thinking coverage for a new business is an unnecessary expense.

Instead, let’s look at the minimum amount of insurance an entrepreneur should carry. Note the types and amount you should carry depend on your industry, location and the size of your business.

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Avoid ACR & Save on Group Health Plans for 2016

As you surely know by now, small employers in Texas are facing a series of changes under the Affordable Care Act. Some of these changes center around the Adjusted Community Rating (ACR), which went into effect in January of 2014. So far, it’s affected small businesses with 1 to 50 employees. But starting in 2016, employers with 51 to 100 employees will also be subject to ACR. Let’s look at ACR basics and some possible ways to navigate this potentially costly development.

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Are Exorcisms, Ghosts and Werewolves Covered by Insurance?

With Halloween just around the corner, you may have questions regarding the mishaps and creatures in many horror movies. While we can’t answer why the villain won’t utter a word or how the characters always die so easily, we can answer your insurance questions regarding the haunting of Halloween. We also decided to tackle some more common insurance problems that can happen in October.

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Contractor’s Insurance

Hettler Insurance is excited to announce that in August, 3 contracting companies with total sales approximating $7,000,000 were added to their client list.

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Hettler Insurance Agency
Ron Hettler

4432 S Loop 289
Lubbock, TX 79414

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