Income Protection for Self Employed - Replace Your Income During Illness
TL;DR
Yes, self‑employed income protection is available in the UK. Because many self‑employed people don’t get employer sick pay, it can be especially valuable. Your premium and benefit depend on your occupation, earnings, waiting period, and how long you want the cover to pay out.
This guide explains everything you need to know about this type of cover, including how it works, what affects the cost, and whether it's right for your situation. Our FCA-regulated advisers can help you compare options from leading UK providers.
Key Points
- Provides ongoing monthly payments during extended absence from work
- Typically covers 50-70% of your gross salary
- Payments continue until you recover, retire, or the policy ends
- Can cover almost any illness or injury that prevents work
Who Is This For?
This information is particularly relevant if you're self-employed, a contractor, or anyone without comprehensive employer sick pay. If losing your income would affect your ability to pay bills, rent, or mortgage, income protection provides a financial safety net.
Next Steps
Our FCA-regulated advisers can help you find the right income protection policy for your circumstances. We compare the whole market to find cover that fits your budget and needs.
Frequently Asked Questions
Related Topics
Content reviewed: January 2026
CeMAP awarded by The London Institute of Banking & Finance. Cert CII (MP) awarded by the Chartered Insurance Institute.