INSURANCE FOR THE SELF-EMPLOYED

Are you self-employed?

There are many advantages to being self-employed, but without a benefits package (normally offered by an employer), it is important to create a safety net for you and your family. That safety net might include Disability Insurance, Life Insurance, Critical Illness Insurance and even Health & Dental benefits.

Disability Insurance

A disability can disrupt your lifestyle, but it can also disrupt your business. An injury or sickness may prevent you from working for an extended period of time, restricting your ability to cover not only you your personal financial obligations, but also those of your businesses.

Personal Obligations
Mortgage, utilities, property taxes, home maintenance, children’s education, retirement planning, savings, etc.

Business Overhead Expenses
Rent/mortgage, employee salaries, property taxes, utilities, liability insurance, equipment rental, accounting fees, depreciation, etc.

Critical Illness Insurance

A critical illness could keep you away from your business for months, years or possibly forever. We would argue that your efforts and concentration should be focused on recovering – and not worrying about how your business expenses will be paid should you be unable to work. A Critical Illness policy can provide the funding to ensure your business does not suffer, that way you can get better and back to doing what you love.

Life Insurance

Life Insurance is not something enjoyable to talk about, but protecting your loved ones in the event that you pass away should be top of mind for every business owner. As a self-employed individual, you not only have personal expenses and debt, but you likely have expenses and debt associated with your business. A Life Insurance policy can ensure that debt is not left behind and your loved ones can maintain their current lifestyle in the future.

Individual Health Insurance

When you became self-employed, you may have left behind a benefits plan. Not to worry. There are simple and affordable solutions that will cover your health-related expenses, both routine and unexpected.

Contact us for a free quote today!