What is a potential result of having a higher-risk occupation while insured?

Having a higher-risk occupation can lead to coverage termination because insurers evaluate the risk associated with the occupations of policyholders. When someone works in a job that carries a higher level of risk—such as construction, mining, or other physically demanding and dangerous fields—insurers may view this as an increased likelihood of claims being filed. Consequently, if the risk is deemed too high, the insurer might opt to terminate the policy to mitigate potential financial losses.

In response to higher-risk occupations, an insurer may reassess the terms of coverage, which can sometimes result in termination if the risk is significantly above the insurer's threshold for acceptable risk. This policy could be firm or notional, and depends on the specific language in the insurance policy and the practices of the insurer.