Individuals
Some careers demand more than the standard. At WAIN Insurance, we specialize in serving individuals and business owners across industries that carriers classify as high-risk—the very people who keep our world moving forward but often face the steepest challenges when trying to secure protection for themselves and their families.
Traditional insurance markets frequently underwrite these professions with higher exclusions, limited benefit options, or outright declines, leaving a gap in coverage where it matters most. That’s where WAIN steps in: offering tailored, high-limit life and income protection solutions designed around your profession, lifestyle, and earning potential.
High Risk Industries
Construction & Skilled Trades
Union workers, ironworkers, carpenters, electricians, laborers, crane operators, and marine/heavy construction crews.
Transportation & Logistics
Long-haul truckers, commercial drivers, delivery operators, and those responsible for moving goods and people nationwide.
Maritime
Offshore workers, commercial fishermen, divers, oil rig crews, and port professionals who operate in unpredictable, high-stakes environments.
Aviation
Pilots, flight attendants, private crew members, mechanics, and ground staff exposed to strict medical clearances and unique occupational risks.
Athletes & Performers
Professional athletes, entertainers, and individuals whose earning power requires advances planning.
First Responders
Firefighters, law enforcement officers, EMTs, paramedics, and specialized rescue teams who put their lives on the line every day.
Healthcare Professionals
Surgeons, traveling nurses, anesthesiologists, and medical specialists in demanding roles where disability coverage is often limited.
High Limit Individuals
Executives & Professionals
Attorneys, CEOs, and high-earning specialists who exceed traditional insurance limits.