Being a contractor gives you flexibility and freedom, but it also comes with responsibility. When you work through your own limited company or an umbrella setup, there’s no sick pay, no death-in-service, and no guaranteed income if the unexpected happens.
That’s where Contractor Protection Insurance comes in.
At Mortgage Knight, we specialise in working with contractors and freelancers across the UK. Whether you’re on a day rate, short-term contract, or working across multiple clients, we can help you access protection that fits your working style and your budget.
At Mortgage Knight, we work with insurers who understand how contractors earn, including day-rate assessments, umbrella payslips, and Ltd company accounts.
Don’t leave things to chance. Whether you’re new to contracting or a seasoned consultant, the right protection gives you and your family confidence, no matter what life throws at you.
Speak to Mortgage Knight today for no-pressure advice and contractor-specific insurance options that work with the way you earn.
A: Yes. Many insurers now accept contract value or average earnings, especially for established contractors. We help you structure this properly.
A: Personal life cover is paid from post-tax income. A Relevant Life Plan, however, is paid for by your Ltd company and can be more tax-efficient, especially for higher-rate taxpayers.
A: Not necessarily. We’ll help you assess your needs, risks, and budget, then recommend a protection plan that balances coverage with affordability.
A: Often, yes. It may affect your price or options, but many providers will still offer terms, especially if you’re currently well or it was a historic issue.
A: We’ll review your policy as your circumstances change to make sure you’re still protected in the most relevant way.
