TPD Insurance - Surface Miners
Total and Permanent Disablement for Surface Miners can still be difficult insurance to obtain. Due to the nature surface workers still being on-site, a lot of insurers assess the risk similar to if you are working underground. Total and Permanent Disablement Insurance is a lump sum payment if you can never work again and can be further defined to include the inability to be able to work in your chosen occupation ever again.
Historically, Total and Permanent Disablement Insurance is a difficult policy to receive a pay-out for due to the nature of the assessment process and what is defined as "being unable to perform the important duties of your occupation".
Surface Miners need to ensure they are talking with a qualified professional to make sure they are receiving the best possible cover for their needs.
We can absolutely help you throught the minefield of insurance and look forward helping you. Request a quote today.