Contractors Aren’t Invincible – The Super Importance of Income Protection

There are 4.75 million self-employed in the UK [1]. A figure that has steadily increased throughout 2016, looking to continue in 2017 and by 2018 self-employed are set “to outnumber state workers” [2]. There are more and more people recognising the benefits of being their own boss and working flexibly. With the benefits of being your own boss, come the disadvantage of losing any kind of employee benefits package.

Permies have their back-up plan…

Whilst permies may have the benefits of at least 3-months pay in the event of accident or sickness, there are more than 4 million self-employed people that do not have a back-up plan if they were unable to work, despite being relied on by families for their income. [3]


say they would not be financially secure at all.


don’t know how long they would be able to pay their household bills if unable to work.


said they wouldn’t be able to rely on a single income.

Source: Scottish Widows, 4.3 Million Self-Employed People Left Exposed by Financial Protection Gap, Oct 2016

Who saves the day when there’s no income?

With two thirds of self-employed worker’s households reliant on one wage earner’s income, this gives us a worrying picture of contractors in the UK. What would the consequence be if you weren’t earning a living?

Income Protection to the rescue!

Income Protection comes to the rescue in the event that you are forced to hang up your cape due to injury or illness.

It can provide funds towards your monthly outgoings until you either return to paid work or retire (whichever comes first).

Signal Super Contractors. They’ll Know What to Do.

Super Contractors will arrange the most suitable Income Protection policy so that you receive regular payments in the event that you need to make a claim. With so many families relying on a single income, it is so important that a back-up plan is in place in case the worst was to happen.

For more information on Income Protection or other insurance types, freephone 0800 211 8700 or request a callback.


  1. Self-employed ‘to outnumber state workers by 2018’
  2. UK Labour Market: Dec 2016 – ONS Employment Figures
  3. 4.3 million self-employed people left exposed by ‘protection gap’


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Super Contractors is a trading name of Contract Mortgages Ltd, registered in Scotland at 1st floor, 207 Bath Street, Glasgow, G2 4HZ SC465654. Contract Mortgages Ltd is an appointed representative of First Complete Limited, which is authorised and regulated by the Financial Conduct Authority (FRN: 435779) for mortgage and non-investment insurance advice.