Tradesmen: Protect your income with accident and sickness insurance

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Tradesmen: Protect your income with accident and sickness insurance

Working on a building site exposes you to all kinds of hazards. Find out how to protect your earnings if you suffered an accident and could no longer work.

According to the Health and Safety Executive*, 4% of workers suffer from an illness they believe to be work-related and 3% of workers sustain a work-related injury each year.

This leads to a whopping 2.2 million working days lost every year in the construction industry!

Although that’s quite a staggering figure, it’s easy to see why accidents happen when you consider the main risks and hazards on building sites, such as:

  • Working at height
  • Moving objects
  • Manual handling
  • Heavy machinery
  • Asbestos
  • Hand Arm Vibration Syndrome

Could you keep up your lifestyle?

If you suffered an accident or illness that kept you off work for an extensive period, then you can get £89.35 per week Statutory Sick Pay – paid by your employer for up to 28 weeks.**

But could you live comfortably on just under £90 a week? Would that be enough to cover your everyday bills, including your mortgage, rent, food, childcare, and travel?

The answer, according to the Office of National Statistics***, is an emphatic ‘NO’. The government body found the average household spends £528.90 a week.

So based on what you’d get from your Statutory Sick Pay, you would still fall more than £400 short of your weekly spending.

You could dip into your savings. But do you really want to drain the money you’ve worked so hard to save – money intended for a nice holiday or special occasion? Fortunately there’s a simpler solution available to you, one that avoids the need to put a dent in your savings and helps you maintain your lifestyle.

How Accident and Sickness Insurance can help

You can take away the worry of what would happen if you dropped a cinder block on your foot and suffered a break, or you contracted an Asbestos-related disease.


Simply by taking out our Lifestyle Protector Plan.

Introducing the Lifestyle Protection Plan for tradesmen

The Lifestyle Protector Plan pays you a monthly cash lump sum if you couldn’t work due to accident or sickness. In a nutshell, the plan:

  • Pays you between £300 and £1,500 a month if you can’t work due to accident or sickness
  • Helps you maintain your lifestyle and keep food on the table
  • Is tax-free and you can spend it on anything you want
  • Doesn’t require you to answer any health or financial questions (including proof of income)
  • Takes away the worry of what would happen if you suffered an accident on site or contracted a work-related illness

Best of all, premiums start from as little as £1.63 a week****. So why not get an instant quote online, while this is still on your mind?


*Health and Safety Executive website, April 2017
***Office for National Statistics, February 2017
**** Based on £300 monthly benefit plan, 30-day deferred period, and 12-month benefit period for an individual aged 18-30. The policy document, available on request, contains the full terms and conditions.

Regulatory Disclosure – The Monthly Cost of Short-Term Income Protection for every £100 of Monthly Benefit starts from £2.35. There are other providers of Short-Term Income Protection and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at