Protection Insurance for Contractor Umbrella Clients

  • Putting you and your cover needs first
  • Protect your now, your family, your future
  • Expert advisors offering only relevant policies
  • Tailored income, critical illness and life insurance
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    Protection Insurance for Contractor Umbrella Contractors

    We all like to think we’re infallible. But life has a way of throwing curveballs when we least expect it.

    Protection works differently for contractors.

    As an umbrella contractor, you no longer have the sick pay or death-in-services benefits you had as an employee.

    The onus is on you to protect the lifestyle you’ve worked so hard to create. And you can offset many of life’s banana skins by choosing the right insurance cover.

    We can tailor policies purely to your needs for:

    • life insurance,
    • income protection, or
    • critical illness cover.
    Call us today

    Personalised Protection Plans

    Income Protection

    Contractor income protection will pay up to 60% of your combined salary and dividends income if you're sidelined for a substantial period due to illness or disability.
    Because every contractor is different, we'll tailor a plan based on what you'd need and are willing to pay for your premiums. Any payout will be tax-free as you pay tax up-front on those premiums.

    Critical Illness Cover

    Contractor critical illness protection will pay out a lump sum if you’re diagnosed with a serious illness. You can use that lump sum as you see fit, e.g. medical treatment, home improvements or pay off your mortgage.

    Life Cover

    You can choose between Term Cover or Whole of Life Cover.
    Term Cover protects you and your loved ones for a set 'term', often used to coincide with a mortgage term.
    The policy will pay out should you die or if you're diagnosed with a terminal illness within that term.
    Whole of Life Cover will pay out a lump sum when you die, as long as premiums are up-to-date.
    Whole of Life premiums can be more expensive than those paid for Term Cover, but it will depend on your unique circumstances.

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