Income Protection for Self-Employed Trades
If You Can’t Work, You Don’t Get Paid.
If you’re a self-employed tradesman — sole trader or limited company — your income depends on you turning up.
If you’re off site with a bad back, broken wrist or a fall… the money stops.
Your sick pay ran out at the end of month one. Statutory Sick Pay — just £123.25 a week — stopped after 28 weeks, but actually you've already burned through your savings.
The mortgage is still going out. The car finance. The kids' clubs. The utility bills. Everything that felt manageable when you were earning now feels impossible.
Your partner is looking at taking a second job. You're considering selling the car.
What Happens If You’re Off Site For 8 Weeks?
No employer sick pay.
No work completed.
No invoices sent.
No money coming in.
But the mortgage still needs paying.
The van finance doesn’t pause.
The household bills don’t stop.
Income protection is designed for exactly this.
It pays you a monthly income if you’re signed off work due to illness or injury — so your bills, mortgage and family are protected while you recover.
How Income Protection Actually Works
You choose:
How much of your income you want covered
How long you wait before payments start
How long the policy pays out for
It’s built around your job, your setup and your budget.
No overcomplicating it.
No scare tactics.
Just clear options.
Why Trades Come To Me
You won’t be passed around a call centre.
You deal with me directly.
I understand how manual occupations are assessed.
I know how insurers look at risk.
And I’ll tell you straight whether something’s worth doing or not.
No pressure.
No jargon.
Just clear advice.
You Hope You’ll Never Need It.
But You’ll Be Glad It’s There If You Do.
If you rely on your body to earn your income, protecting it isn’t overthinking it — it’s smart planning.
Let’s have a quick, no-pressure chat and see what your options look like.