Income Protection for Self-Employed Contractors

Income Protection Insurance for Self-Employed Contractors

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One of the most common issues when choosing to become a contractor is losing the benefits and financial stability associated with being an employee.

Unfortunately, most contractors do not seek advice on what may happen if you are not able to work on your contract until it’s too late. Contractors can save themselves the stress of having to worry about financial loss by simply covering themselves against certain eventualities, such as, accident, sickness or even death.

It is important to consider what would happen if you were unable to work and to replace any employee benefits package to prevent you from being vulnerable.

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If you feel you could benefit from any of the above, The Insurance Surgery are on hand to provide guidance.

Income Protection

  • This protection product is designed to pay up to 70% of a working individual's annual pre-tax income as a monthly benefit (tax-free), should they be off work due to illness or injury.
  • There is no restriction as to what illness or injury this may be. It’s simple. If you can’t work, you can make a claim.
  • You can choose how long you want to wait before the benefit is paid. This is known as a deferred period which varies from day 1 to 52 weeks.
  • You can claim as many times as you want throughout the policy term, short and long-term options are available starting from 1yr, 2yrs, 5yrs or full cover which usually insures you up to retirement age.


Anyone who doesn’t have full sick pay from their employer has a genuine need for income protection simply because if you’re not working, you’re not earning any income, which means paying for all your outgoings can become extremely different.

State benefits are getting harder to qualify for and you may not get enough benefit to cover your outgoings even if you did qualify. The Insurance Surgery can cover most occupation classes. 

For more information on how a Relevant Life Policy or income protection will affect you, please download our guide below:



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