Self-Employed? What Would Happen If You Couldn't Work?

Being self-employed offers freedom and flexibility, but it also comes with added responsibility. Unlike employed workers, there's often no sick pay to fall back on if illness or injury prevents you from working.

For many self-employed people, taking time off isn't just inconvenient – it can have a direct impact on household finances. Mortgage payments, utility bills, and everyday living costs don't stop simply because your income does.

That's why it's important to consider how you would cope financially if the unexpected happened. Income protection insurance is designed to provide a regular income if you're unable to work due to illness or injury, helping you maintain your lifestyle and meet your financial commitments while you recover.

As a mortgage and protection adviser, I regularly speak to self-employed clients who have worked hard to build their businesses and support their families. Yet many haven't considered what would happen if they were unable to earn an income for several weeks or months.

Protecting your income can be just as important as protecting your home. If you'd like to understand the options available and whether income protection could be right for you, get in touch for a no-obligation conversation.