Page 51 - Life Insurance underwriting Ebook IC 22

✓Crane failures etc

2. General hazards include

✓Severe climatic risks: The harsh climatic conditions give rise to
health related problems such as respiratory and musculoskeletal

problems and psychological problems associated with work
conditions.

✓Fatigue and stress: these are caused due to lone working hours.
Adverse working conditions and isolation

✓Lifestyle: is a very important risk factor. Conditions are very

restricted on rigs.

2. Explain avocational risk

2.1. Avocation risk
Avocation refers to an activity that is undertaken by an individual as a

hobby, in addition to their work.

2.2. Basic risk factors for avocation:

a) Age and health of the individual

Many avocations require a certain level of Physical fitness from

the participant.

b) Equipment requirements

Due to the risk associated with these sports, specialized
equipment is needed to safeguard the participant from the

avocation risk.

c) Training and level of expertise

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