At C A Mortgage Services, we speak to a lot of hard-working people across South Wales—especially those in trades like construction, groundworks, plumbing, and electrical. One question I always ask is this: What happens to your income if you’re off work sick or injured? For many self-employed workers, the honest answer is, “I’m not sure.”
That’s where income protection comes in.
If you’re self-employed, you probably don’t get sick pay. So if an accident happens—say, a bad fall on site or a back injury that puts you out of action for a few months—your income stops, but your bills don’t. Mortgage, rent, utilities, food—they all keep coming. Income protection is designed to step in and take the pressure off.
Here’s how it works:
What Is Income Protection?
Income protection is a policy that pays you a monthly tax-free income if you’re unable to work due to illness or injury. Most policies will cover up to 60% of your regular income, and that money is paid every month until you’re able to return to work—or even up to retirement age, depending on your plan.
There’s usually a deferment period—often around 3 months—before payments begin. Think of it like a waiting period. Some clients use savings or statutory sick pay to cover this gap. Once the deferment period passes, your policy kicks in, providing a reliable stream of income when you need it most.
Why Is This Crucial for Tradespeople?
Let’s be honest—if you’re a groundworker, roofer, or bricklayer, your body is your livelihood. One broken ankle or slipped disc could stop you working for months. Without an employer to fall back on, you’re relying solely on your ability to earn. Income protection bridges that gap, giving you financial breathing room while you recover.
Bonus Protection: Fracture Cover
We can also add Fracture Cover to many income protection policies—and it’s incredibly popular. This provides a lump sum payout if you suffer a specific injury, such as a broken bone. For example, a broken leg could trigger a payout of up to £6,000—paid immediately, without having to wait for the usual deferment period.
That cash can be used however you need it—whether that’s covering the mortgage for a couple of months, paying for private physio, or just keeping the family finances on track.
How We Can Help
At C A Mortgage Services, we don’t believe in off-the-shelf policies. We’ll look at your situation—your work, your income, your commitments—and help you find the right level of protection. Whether you’re just starting out as a sole trader or you’ve been self-employed for years, we’ll make sure you and your family aren’t left vulnerable if the unexpected happens.
If you’d like to know more about how income protection or fracture cover might work for you, give me a call. It’s one of those things you hope you’ll never need—but if you do, you’ll be very glad it’s in place.
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Ian Rogers : 07780925185
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