Client Risk Assessment

This CDC illustration reveals ultrastructural morphology exhibited by coronaviruses.
Alissa Eckert, Dan Higgins/CDC

Client Risk Assessment for Covid 19 ( SARS-CoV-2 Coronavirus)

Please carefully consider whether you as an individual are at more risk of catching Covid 19 ( SARS-CoV-2 Coronavirus) due to all the factors.

Risk varies by age, gender, ethnicity, class and work exposure to people:


Over-65s are 34 times more likely to die of coronavirus than working-age Britons.
286 deaths per 100,000 in the over-65 group.

The contrast is even starker in data concerning those under 45. According to the Office for National Statistics figure, there have been just 401 deaths in this age group – one death for every 100,000 people, or around 1% of the overall death toll.


The death rate among the working population differs by gender. The death rate for men is 9.9 per 100,000 people and 5.2 per 100,000 women. This may also be driven by the death rate in particular occupations.


New data released by the ONS on Monday showed for the first time that people in low-paid manual jobs were at much greater risk of dying from Covid-19.

Jobs which were found to have high death rates included security guards, care workers, construction workers, plant operatives, cleaners, taxi drivers, bus drivers, chefs and retail workers.

Commenting on the findings, Professor Neil Pearce, a professor of epidemiology at the London School of Hygiene and Tropical Medicine, said: “The observations are almost certainly due to … exposure to people. It is also well-known that working-class men and women have poorer health than more wealthy people. But here we see the excess specifically in the working-class jobs that involve contact with the public.

“For example, taxi and bus drivers (who have contact with the public) have very high Covid-19 death rates, whereas heavy truck drivers (who mostly don’t have public contact) don’t have high rates.”

The death rate among the working population is relatively low, but of those who have died so far data shows the deaths have been unevenly distributed.

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ETHINICITY - BAME (Black Asian Minority Ethnic)

After accounting for the effect of sex, age, deprivation and region, it found that people of Bangladeshi ethnicity were at most risk, with around twice the risk of death than people of white British ethnicity.
People of Chinese, Indian, Pakistani, other Asian, Caribbean and other black ethnicity had between 10% and 50% higher risk of death when compared to white British.

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Analysis by the New Policy Institute shows that even after allowing for the much higher infection rates in London, the top five most-crowded areas in the country have seen 70% more coronavirus cases than the five least-crowded, where better-off homeowners are likely to live in larger homes with spare bedrooms and more than one bathroom.

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NHS - Who's at higher risk from coronavirus

People at moderate risk from coronavirus include people who:
-    are 70 or older
-    have a lung condition that's not severe (such as asthma, COPD, emphysema or bronchitis)
-    have heart disease (such as heart failure)
-    have diabetes
-    have chronic kidney disease
-    have liver disease (such as hepatitis)
-    have a condition affecting the brain or nerves (such as Parkinson's disease, motor neurone disease, multiple sclerosis or cerebral palsy)
-    have a condition that means they have a high risk of getting infections
-    are taking medicine that can affect the immune system (such as low doses of steroids)
-    are very obese (a BMI of 40 or above)

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Other conditions and coronavirus
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