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per month
*Based on a £1,000 monthly benefit
Becoming ill or injured and unable to work is stressful enough without considering how time off will impact your income. Taking a step back from your business to get yourself fighting fit really shouldn’t be that difficult.
Income Protection makes it simple. You take the time needed to recover, and Income Protection ensures you remain financially comfortable without the stress of wondering how you’re going to pay your bills.
If you were to suffer disease, sickness, bodily injury, whether this is as a direct result of your work or not, Income Protection will provide a monthly benefit at an amount of your choosing, plus a fixed benefit of £25,000 in the event of accidental death.
Whilst most sickness insurance policies won’t pay out without proof of an ongoing contract of work, ours doesn’t work like that. If you’re unable to work, that means you’re probably unable to seek a new contract. As such, our Income Protection doesn’t require you to show proof of a contract in order to receive a benefit. As long as you’re signed off by a doctor, your monthly benefits will continue (up to a maximum of 12 months).
Income Protection insurance is a type of income protection insurance policy that provides you with a financial benefit should you be unable to work for medical reasons. Sick pay insurance policies vary from provider to provider, offering different limits and payment schedules.
It provides a monthly benefit in the event that you find yourself unable to work due to illness, bodily injury or disease, and a lump sum in the event of accidental death. This means you can take the time you need to recover without having to worry about bills mounting up.
Whilst we aim to have your back in as many scenarios as possible, not every circumstance is eligible for cover.
The following wouldn’t be covered under your policy:
Yes! Because you wouldn’t be paid statutory sick pay by your client, this type of insurance may be particularly important.
This insurance has been designed specifically for the self-employed to protect your income if you become unable to provide your services due to medical disablement.
If the income you receive from your business makes up an essential part of your household income, our Income Protection insurance might be for you. This cover applies to injuries and illnesses sustained even if nothing to do with your services, this policy really is suitable for anyone, not just those working in industries with a higher physical risk.
It’s worth considering if you don’t get employment benefits, or such benefits wouldn’t be enough to pay your bills.
If you suffered a long-term illness or injury which prevented you from providing your services, would you be able to cover your monthly expenses? With Income Protection, you choose how much your policy pays out each month based on what you would need.
Protect your income in the event of long-term illness or injury
Protect your income in the event of an accident
Ask away! One of our team will get back to you