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Income Protection Insurance



As a freelancer or contractor, you know only too well that if you can't work then you can't earn. You don't have the safety net of an employer to fall back on, but if you're out of action your business and much more could be at risk.

We specialise in providing financial solutions tailored to the needs of freelancers and contractors. We can ensure you have income protection through permanent health insurance (PHI) designed to cover the particular issues you may have to face. It's quick and easy to arrange and pays out after just a single day's illness.
Income Protection designed for the freelancer/contractor:

  • Possible to protect up to 75% of your income
  • Insurance covers both dividends & salaries
  • Cover for even short term contract workers
  • Tax free benefit if paid by your company
  • Excellent insurers who pay out on claims


Watertight policies:

Working freelance, the last thing you want is to face problems, delays or complications arising out of any claims you may have to make. You don't have the time and, more importantly, can't afford to keep losing out on income while things are sorted out - or worse, fail to be resolved. That's why it pays to put your trust in our specialist services for freelancers.

We understand your needs and the situations that contractors often face, so we'll ensure your policy is watertight, good value and with a reputable company. Apply today and look forward to a more secure financial future.

Please fill in the income protection finder below and we will get back to you within 24hrs with a competitive recommendation

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Who will pay the premium personally/through your Ltd company? Company Contractor
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Financial advice on these pages is being given by ContractorMoney, which is a trading name of ContractorFinancials Ltd and is regulated and authorised by the Financial Services Authority.


Contractor Income Protection Insurance Articles

Contractor Income Protection Insurance: Keep Earning In Times Of Hardship
What would you do if an illness or injury leaves you temporarily incapacitated and unable to work for a few months? How would your mortgage and monthly bills be settled? A permanent employee would still be financially compensated by their employers, but self employed contractors and freelance consultants are not afforded this security.  To keep an income stream flowing in during times of hardship they have to make their own arrangements-state benefits are unlikely to be sufficient.

What better option than getting contractor income protection insurance? It replaces part of your income (tax free) if you are unable to work for an extended period because of illness or disability. And will continue to pay out until you can return to work. It ensures you can continue to support your family and maintain a lifestyle your are accustomed to. 

Do not confuse between income protection insurance and critical illness insurance. It is true that critical illness insurance helps you when you’re diagnosed with a life-threatening condition, but there are a lot of day-to-day, common situations which it will not cover. For example, severe back pain does not allow you to attend to your work for a week. The week’s pay out can be handled only by income protection insurance and not critical illness insurance.
Our contractor income protection insurance is underwritten by the UK's top insurers and available at competitive prices. It can protect up to 75% of your income and covers both salary and dividends. Furthermore, it's easy to arrange and pays out after just one day's illness. 

As freelance specialists, we understand your needs better than any other insurer, and are passionate in providing the best possible cover that does not let you down. Click here to get a free contractor income protection insurance quote today or call our customer support team on 01480 470220.