What is income protection for the self-employed?
Income protection for the self-employed, in one sentence
You pay a small monthly amount, and if illness or injury stops you from working, you get a monthly check until you're back on your feet.
The payment
Fixed from day one and never goes up during your policy. It costs less than most people expect.
The trigger
An illness or injury that keeps you from doing your job, not just catastrophic accidents. Most claims are things like back problems and long illnesses.
The benefit
A monthly check that replaces a share of your income while you recover: rent, groceries, and the bills that don't pause when you do.
Who needs self-employed income protection?
Is this you?
No employer, no sick pay
"If I don't invoice, we don't eat."
Self-employed workers get no statutory sick pay; when you stop, the income stops the same day. Income protection is the sick pay you give yourself.
Gig workers & contractors
"My clients don't pay me to be ill."
Contracts don't come with a safety net. A monthly benefit based on your self-employed income keeps the essentials paid between recoveries, not between gigs.
Irregular income
"Good months carry the bad ones. What carries a bad year?"
Savings smooth a slow month, not a six-month recovery. A predictable monthly payout holds the line while you heal.
Trades & physical work
"My body is the business."
When the work is physical, an injury stops earnings instantly. Cover bridges the gap from the first missed job to the day you're back on the tools.
Still got questions?
£0
statutory sick pay if you're self-employed. 4.3 million workers in the UK have no employer to fall back on.
Source: GOV.UK statutory sick pay rules
Why self-employed workers choose Eleos
What makes us stand out.
Income protection the way it should be: fast, human, and honest.
Self-employed income protection FAQs
Before you decide
More ways Eleos protects you
One promise, more triggers
Whatever happens, the money keeps coming.
If you're gone
Term life insurance: cash for the people who depend on you, sized to what you want to leave behind.
Available nowFor every day in between
Wellness Subscription: remote GP, counselling, physio and more, 24/7.
IncludedFor all the years you're here
Wellness support that doesn't wait for emergencies
24/7 telemedicine, concierge support, and financial planning tools come with your cover, so it gives you something every day and not just on the worst one.