Which workers are typically classified as high-risk employees?

High-risk employees are typically those who work in environments or roles that have higher probabilities of injury or hazardous situations. Loggers and coal miners are prime examples of high-risk workers due to the nature of their jobs, which often involve operating heavy machinery, working in dangerous conditions, and exposure to various physical hazards. The physical demands and environmental risks associated with logging and coal mining make them susceptible to severe injuries.

In contrast, clerical workers, administrative staff, and retail employees generally work in environments that are less likely to expose them to physical hazards or dangerous situations. Their work usually involves mental rather than physical risks and is conducted in office or customer service settings that have lower injury rates. This classification helps insurance providers properly assess risk and manage coverage for various occupations.