Being self-employed offers you freedom and flexibility, but it also brings unique challenges, especially when it comes to safeguarding your income and wellbeing. We offer expert guidance and tailored financial protection solutions to protect your livelihood, backed by years of industry experience and a commitment to personalised service. Choose us for comprehensive life insurance for self-employed that keeps you and your business secure.
Use the form below to get your free quote today and take the first step toward financial peace of mind. Alternatively, give one of our experts a call on 0345 565 0935.
Get a no-obligation quoteWhat is Self-Employed Accident Insurance?
Self-employed accident insurance is a financial safety net that provides support if an accident prevents you from working. It offers a payment that can help cover lost income, medical expenses, and other costs associated with your recovery. Unlike traditional insurance policies, this type of cover focuses on your inability to work rather than specific medical diagnoses, ensuring that you’re protected.
Why Do You Need It?
For self-employed individuals, the ability to work is directly tied to income. Without the safety net of employer-provided benefits, an unexpected accident can disrupt your earnings, making it challenging to manage everyday expenses or business costs. Our policies are designed to provide crucial financial support, so you can focus on your recovery without the added stress of financial instability. With self-employed accident insurance, you will have:
- Cover for Lost Income: Receive financial compensation to help replace your earnings during your recovery period.
- Medical Expense Coverage: Use the payment to manage medical bills, rehabilitation costs, or any other related expenses.
- Protection Against Various Risks: Whether the accident occurs at work, during your commute, or at home you can select a policy to suit your needs.
Tailored Cover to Meet Your Needs
We understand that no two self-employed individuals are the same. That’s why our self-employed accident insurance offers flexibility to customise your cover based on your specific requirements and budget.
Other key options include:
- Income Protection: Secure your financial stability by ensuring a steady income during your recovery.
- Critical Illness Cover: Enhance your protection with additional cover for serious health conditions.
- Permanent Disability Cover: Provide long-term security for you and your loved ones in the event of severe injury.
- Mortgage Protection: get peace of mind by protecting your family house in the event of an unfortunate event.
Factors Affecting Your Premiums
Several factors influence the cost of your premiums, and understanding these can help you make informed decisions about your cover. Key considerations include:
- Occupation Risk: Certain professions carry higher risks, which can affect premium costs.
- Age and Health: Your age and overall health can influence the premium amount, with healthier individuals generally benefiting from lower costs.
- Desired Cover Amount: The level of cover you choose will impact your premiums, allowing you to balance cost with the desired level of protection.
Why Choose Sports Financial Services?
At Sports Financial Services, we specialise in providing bespoke financial protection for self-employed individuals. Our team of experienced advisers is dedicated to helping you navigate the complexities of insurance, offering tailored solutions that fit your unique situation. Here’s what sets us apart:
- Expertise: With decades of experience, we have the knowledge to guide you through the intricacies of self-employed accident insurance, ensuring you get the cover you need.
- Personalised Service: We believe in building lasting relationships with our clients, offering ongoing support and tailored advice throughout your journey with us.
- Competitive Rates: By working with a wide range of providers, we ensure you receive the best value for your financial protection needs.
Other types of business protection
As experts in financial protection, you can also talk to us about cover for a range of other business protection products, such as:
- Relevant Life Cover: Payment of a lump sum to beneficiaries in the event of death during the policy period. Speak to us about “death in service” type benefits for employees.
- Key Person Insurance: We will be happy to discuss cover that provides a business backup plan in the event of the death, critical illness or disability of a key employee, such as a CEO, founder, or top salesperson.
- Share Protection: Provides funds to surviving business owners for purchasing the shares to assist them in maintaining control of the company in case of death or serious illness diagnosis of a Partner or Director.
- Loan Protection: Talk to us about insurance that offers a payment to assist in settling business loans in the event of the death or diagnosis of a critical illness of a key individual within the business.
Get In Touch Today
An unexpected accident shouldn’t derail your financial plans. Protect your income and well-being with self-employed accident insurance from us. Contact us today to explore your options and secure the protection you need. Use our contact form below to get a free quote or give us a call at 0345 565 0935 to schedule a consultation. Alternatively check out life insurance inheritance tax.