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Why Income Protection Matters If You’re Self-Employed
When you work for yourself, your income depends on your ability to keep showing up and doing the job. There’s no sick pay, no HR department, and no safety net — which makes protecting your income even more important.
What is Income Protection?
Income Protection is a type of insurance that pays you a regular income if you’re unable to work due to illness or injury. It’s not just for accidents — it also covers things like stress, back problems or serious illness. The idea is simple: if you can’t work, the policy steps in to help keep your finances ticking over.
Why It’s Crucial for the Self-Employed
Unlike employees, self-employed people don’t get statutory sick pay. That means if you’re out of action, your income could dry up overnight. Rent, mortgage payments, utility bills and groceries don’t stop just because you’re unwell. Income Protection can give you breathing room so you can focus on recovery, not rushing back before you're ready.
How Much Does It Pay?
Most policies will cover up to around 50% to 70% of your pre-tax income. That might not cover every penny, but it could be enough to help you stay afloat while you’re unable to work. You can choose how long you’d like the payments to last — whether that’s a few months or until retirement age.
Peace of Mind You Can Count On
Being self-employed comes with lots of freedom, but it also means more responsibility. Income Protection can give you the confidence that if life throws a curveball, you’ve got a plan in place to keep things going.
Want to talk through your options?
We’re always happy to explain how Income Protection works and help you find a policy that suits your situation. Get in touch for a no-pressure chat — we’ll keep things simple and focus on what’s right for you.
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