Replace Lost Earnings When You Cannot Work
Replace lost earnings with monthly payments if illness or injury prevents you from working, with specialised cover that understands limited company and self-employed income structures.
Cover Contractor Income Correctly
Standard income protection often fails contractors, particularly those operating through limited companies. We find policies that properly account for dividends, salary, and retained profits, ensuring your actual income is protected rather than just basic salary, providing genuine financial security during illness.
Bridge Contract Gap Vulnerabilities
Without employer sick pay, contractors face immediate income loss when illness strikes. Income protection provides monthly payments based on medical advice, covering living expenses, business costs, and financial commitments. Benefits continue until you recover, reach retirement age, or your policy term ends.
Structure for Tax Efficiency
Operating through a limited company offers tax planning opportunities for income protection. We help structure your cover efficiently, potentially treating premiums as allowable business expenses whilst ensuring benefits align with your dividend and salary split for maximum protection and tax efficiency.
Related Protection Services
Critical Illness Cover
Complement income protection with lump sum payments for serious conditions. Critical illness provides immediate capital whilst income protection maintains monthly cash flow.
Life Assurance
Ready to Protect Your Contractor Income?
Speak to our protection specialists about income replacement insurance designed for contractors
What Our Contractors Say
Discover why contractors across the UK trust Brookson for their accountancy needs.
Aidy
★★★★★
“Clear and easy to understand”
Jeremy provided a clear review of my pension and investment funds with advice on future options. I have regular reviews with Jeremy and can also arrange consultations between reviews if needed.