Property Developers & Life Insurance
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Property Developers & Life Insurance
Your options for life insurance as a property developer will depend upon the work that you do. Risk wise there is quite a difference between someone making plans on paper in an office and being in the property wielding a sledgehammer.
Your application for life insurance could be quite straightforward and offered at normal terms, if your actual duties are low risk.
Just to double check, our advisers may ask:
- What tasks do you do as a property developer?
- Will you be operating any heavy machinery?
- Will you be doing any heavy lifting?
- Do you work at heights over 12 metres (40 feet)?
- Are you based within the UK or abroad?
Property developers can do a huge range of activities. It might be that you are completely office-based and hire in electricians, plumbers, plasterers and builders to do a lot of the work for you. But there are also some property developers that do all of these things themselves.
If you are more of a project design and manager, it’s very likely that your life insurance will be offered at standard terms. This means the basic pricing.
If you are more hands on and doing heavy lifting, operating heavy machinery, working at heights etc, then you can find that your life insurance application is seen as more risky by some insurers. You can find that some insurers may increase your life insurance premiums, based upon your role in the project.
Property development work that you do outside of the UK might influence who will be the best insurer for you. The countries that you work in and how long you are out of the UK, will be key to finding the right insurer for you.
Our award winning advisers are here to give you peace of mind with the right life insurance policy, so that if the worst happens, your loved ones will be taken care of.
Property Developers & Critical Illness Cover
Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.
You should be able to get critical illness cover at normal terms with some insurers in the UK, if your role as a property developer is primarily office-based.
If you are very hands on and doing a lot of the manual work to improve the property, you can sometimes find that insurers may increase your premiums for critical illness cover. You may also find that the insurers do not offer you Total Permanent Disability as part of your critical illness cover, depending upon how risky they see your work to be.
As with life insurance, work abroad can potentially impact your options for critical illness cover.
Our expert advisers are trained to find the critical illness policy that matches you and your needs, so that if you are diagnosed with a critical illness, you can focus upon you rather than worrying about money.
Property Developers & Income Protection
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Income protection is all about how quickly you would be unable to do your specific works tasks, if you’re ill. An office-based property developer is not seen as particularly risky, as you can often adapt and continue working in this setting with many health factors.
However, if you are on-site doing manual work, there are a lot more situations that would stop you from being able to work. Work with a broken hand can be quite easily adapted in an office, but working up a ladder plastering a ceiling is much harder with a broken hand.
The good news is that there are a lot of income protection options on the market and some insurers are specifically designed for people doing more manual work. So whatever work you do as a property developer, there should be an income protection policy that matches your needs.
Protecting your income is one of the most important things that you can do to protect your financial future and our award winning advisers are here to sort it for you.
Property Developers & Travel Insurance
We work alongside a specialist travel broker to get you the travel insurance that you need. It is even more important to make sure that seek advice if you are regularly travelling outside of the UK to see your clients. To find out more, please visit our travel page here.
Possible Risks
- Back pain
- Chemical exposure
- Dust exposure
- Falls from heights
- Hearing loss
- Repetitive strain injury
- Stress
Occupational Duties
- Decorating
- Electrical work
- Kitchen fitting
- Plastering
- Plumbing work
- Project design
- Project management
- Window fitting
Client Reviews
Cura Financial Services has been rated 5 out of 5 based on 880 reviews.
Review by Jessica on 18th September 2025
“Makes finding insurance much easier! Victoria was so helpful and really nice to talk to. I felt very comfortable giving her the information she required, she was very thorough and patient, and she was able to get me a good deal for my insurance.” - 5
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Dr Kathryn Knowles Phd
Author
This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here
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