As a self employed Builder or an employee of a small or large Building Business have you ever asked yourself what will happen to you and your family in the unfortunate event that you are unable to work because of an accident or long term illness.
You may say ‘it can never happen to me. I’m as fit as a fiddle’ – and the next thing you know you are laid low because accidents and sometimes quite severe illnesses happen to even the fittest of persons – quite without warning.
As a company most of the enquiries we receive about Income Protection come from Builders…
Self Employed,CIS, Employed, Contractor it doesn’t matter we get enquires from all.
Its strange as a lot of the enquiries come in asking about Redundancy or Unemployment or loss of contracts so money to cover the shortfall.
However once a discussion is had a majority of individuals will purchase an Accident & Sickness policy.
Once the terms and conditions are explained and the detail is provided then it becomes clear that Accident & Sickness Income Protection is paramount.
It is not good enough to have an Accident Policy that pays out a small lump sum if you break an arm or hand for instance.
Income Protection will provide a weekly or monthly ongoing benefit for any Accident Sickness or Injury whether that has happened at work or at home or on Holiday.
It doesn’t matter if you cannot work or do your “Own Occupation” then you are covered.
It will pay out on an ongoing basis or until you return to work
Just ask yourself, where is the money going to come from to keep the bills paid, keep the food on the table, keep the kids happy, (if you have them) and keep the home running, the last thing that anyone wants is to be ill & still have all the financial stresses from keeping the home functioning normally. This will not help the recovery process, you could even end up back at work early when you shouldn’t have.
For most of us it doesn’t take long of being out of work before the pinch starts.
The environment you work in is a high risk environment whether you deem it that or not, it’s certainly more riskier than my job working behind a desk all day.
Make sure the risk is covered, it really isnt expensive in the grand scheme of things, sometimes less than a bottle of water or a coffee per day.
If you think rationally about it there really isn’t any logical answer to not having some cover in place however small or large, something is better than nothing.
Here is the good part, Best Insurance is a specialist in Income Protection, it’s what we do day in day out.
We do care, we do go that extra mile, we have construction industry knowledge, we have the experience to solve the issues, we also have the confidence to be straight with you at every stage.
Someone that wont unlike others just sell for the sake of selling, if it’s not right we will tell you.
After all it’s your decision to make, just make the right one….
And that is exactly what Best Insurance will help you do….
Get smart and get ahead, start the process now