Why Every Tradesperson Should Consider Income Protection!

The Reality of Working in the Trades

If you're a builder, plumber, electrician, or decorator, your hands are your income. Unlike office jobs, your work is physical and that means your body is your business. So, what happens if you're injured or fall ill and can’t work for weeks, or even months?

That’s where income protection insurance comes in.

It doesn’t matter whether the injury happens at work or at home — if you're signed off, you're covered.

What Is Income Protection?

Income protection is a type of insurance that pays you a regular monthly amount if you can’t work due to accident or sickness. It helps replace your income until you're well enough to return to work — or until the policy ends.

It doesn’t matter whether the injury happens at work or at home — if you're signed off, you're covered.

Why Tradespeople Need Income Protection

Here’s why income protection is especially important for trades:

• No sick pay: Most self-employed tradespeople don’t get Statutory Sick Pay. If you don’t work, you don’t earn.

• High risk: Trades like roofing, bricklaying, and carpentry carry a higher risk of injury.

• Ongoing bills: Your rent, mortgage, van lease, and tool repayments don’t stop just because you can’t work.

• Support your family: Income protection gives you breathing space to recover without financial stress.

Real-Life Example

Let’s say you’re a self-employed joiner and you slip on-site, injuring your knee. The doctor signs you off for 3 months. That’s 3 months without income. With income protection in place, you could receive, for example, £1,500 per month — helping cover your mortgage, food, and bills while you recover.

With income protection in place, you could receive, for example, £1,500 per month

Key Benefits of Income Protection

✅ Monthly payout while you recover

✅ Covers illness and injury

✅ Flexible waiting periods and benefit lengths

✅ Peace of mind for you and your family

✅ Optional extras like fracture cover and hospitalisation benefit

Common Myths Busted

❌ “It’s too expensive”Truth: Many policies cost less than £1 a day.

❌ “I’ve got savings”Savings are great — but how long would they last if you had no income for 6 months?

❌ “I’ll just rely on Universal Credit”Universal Credit payments are limited and take time to come through. They’re unlikely to cover your full outgoings.

Is It Worth It?

Think of it like insuring your tools — but instead, you’re protecting the thing that really earns the money: you.

If your income stops, how long could you keep everything running? For many in the trades, the answer is “not long.”

How to Get Covered

Getting covered is simple. We’ll help you:

1. Choose the right level of cover

2. Compare insurers and prices

3. Apply with no pressure or pushy sales tactics

   
   

Final Thought:

You wouldn’t go on-site without a hard hat. Why work without a financial safety net?

If you're in the trades and rely on your hands to earn, income protection could be the most important insurance you’ll ever take out.

Ready to protect your income?

👉 Contact us today for a free, no-obligation chat.