insurance cover for self employed

dayland

hi all as a self employed builder im losing loads of days of work and it seams to be getting worse every year !!! im led to beleive in some counties you can take out insurances after 3 days off work to cover loss of earnings !!!! is there any insurance firms that would do the same in england . been a builder for 28 year / self employed for 20 year , building is my live i could reallu do with some help thxs for any info you can give !!!!

forgotmyname

Cover for when you cannot work due to illness.

I dont think you can get cover for days you just dont have any work.

Everyone would become a builder take out insurance and never work again.

Advertise more. Branch out a bit?

Just make sure someone proof reads your adverts.

ACG

There is income protection or phi which will pay you an income if your off work due to ill health.

As a builder you will be in the highest class (ie the most expensive) and if you are looking for something that will pay after just a couple of days off, it will be extremely expensive.

It might be worth seeing a mortgage or financial advisor to get you some quotes, but dont expect it to be cheap. They can look at ammending the amount of benefit and/or extend the term where it begins to pay out to a later date.

However if your constantly off work due to ill health at the minute then they may not cover that paticular illness.