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Income Protection Insurance Contractors

Income Protection Insurance Contractors

Falling sick or being unable to work can be problematic as a contractor, but with Income Protection Insurance contractors, you will have one less thing to worry about. 

Income protection insurance contractors

One of the benefits of being a permanent employee is that there are many protection and insurance policies already inline on your behalf. However, if you are a contractor this is something you will need to secure yourself.  

A permanent employee will benefit from having at least three months of paid leave if they are unable to work, but as a contractor, if you want such security, it is down to you. 

But don’t dismay, there are a variety of ways in which you can protect yourself in the unfortunate event that you are unable to work. Permanent health insurance is the ideal way to make sure that you, your family and your financial affairs are kept protected.  

This allows you to set aside a monthly amount that will cover you in the future if needed. 

You can also read more information in our free guide to income protection insurance contractors here

Want to know more? 

Some reasons for taking out income protection insurance contractors are: 

  • There are government benefits such as Universal Credit available however these are dependent on the issue to you and are rarely sufficient to maintain household expenditures 
  • With a personal plan, tax is paid on the premiums (which are paid from post-tax earnings) and as a result, a claim will be paid tax-free 

What does income protection do? This replaces part of your income if you are unable to work for a long period of time because of illness or disability: 

  • You can potentially insure up to 60% of your current income (salary and dividends) 
  • Your take-home payments will be tax-free, as the tax is paid on premiums 
  • A bespoke plan is built around your unique needs and budgets 

If you would like to discuss your contractor insurance needs, please fill in the form below for a no-obligation chat regarding your circumstances. 

If you would like to discuss your contractor insurance needs, please fill in the form below for a no obligations chat regarding your circumstances.

Income Protection Insurance Contractors









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    We'll always treat your personal details with utmost care, and will never sell them to other companies.

    We'd like to send you updates about products and services, promotions, exclusive offers, news and events from CMME by email, SMS, phone and other electronic means. You can unsubscribe at any time by contacting us through email, telephone or post.