Contractor Protection to Safeguard Your Income
Tailored insurance for contractors and self-employed professionals, ensuring your income and financial future are protected.
We work with more than 120 mortgage lenders, including
Why Contractor Protection Could Be Right for You
Why Contractor Protection Is Essential
Protect your income, your business, and your lifestyle
Contractors and freelancers face unique financial risks — irregular income, short-term contracts, or unexpected illness can leave you exposed. Contractor Protection provides peace of mind by replacing lost income if you’re unable to work due to accident, illness, or other unforeseen events. Flexible cover options are designed specifically for self-employed professionals, offering the security you need to meet personal, family, and business obligations without stress.
Who Can Benefit from Contractor Protection?
Designed for the self-employed and contract-based professionals
Employment Type
Freelancers, contractors, and limited company directors.
Age & Health
Typically 18–65; medical assessment may apply for higher cover amounts.
Income Verification
Cover based on contract income, payslips, or account statements.
Policy Term
Flexible short- or long-term policies to match contract length.
Dependents Protection
Cover can safeguard your family or nominated beneficiaries.
Additional Documentation
May require contract evidence or income proof to secure the policy.
Why Choose Contractor Protection
Income security tailored for your career
Protect Your Income
Provides financial support if illness or accident prevents you from working.
Tailored Coverage
Flexible premiums and coverage levels based on your income and obligations.
Peace of Mind
Ensures your family, lifestyle, and business commitments remain secure.
Expert Guidance
Specialists guide you through contractor-specific policies and complex income scenarios.
Quick & Simple Application
Designed for fast approval and minimal paperwork.
Adaptable Policy
Adjust coverage as contracts or income fluctuate.
Our Role in Securing Your Contractor Protection
Simple, personalised support from start to finish
Mortgage‑Tek acts as your dedicated adviser, helping you choose the right Contractor Protection for your needs. We analyse your income, contracts, and responsibilities to recommend a policy that fully protects you. We handle paperwork, liaise with insurers, and explain all terms, ensuring the process is fast, transparent, and stress-free. Whether it’s your first policy or an upgrade, we make sure your protection aligns with your career and personal goals.
Frequently Asked Questions
Who is Contractor Protection for?
 It’s designed for self-employed professionals, contractors, and limited company directors. It protects your income if illness, accident, or unexpected circumstances prevent you from working.
Our Partner: https://contractormortgagesolutions.co.uk/
How does it work?
Policies replace part of your lost income, usually monthly, ensuring bills, mortgage payments, and family expenses are covered while you recover or reorganise your contracts.
How much can I insure myself for?
Coverage depends on your verified income, monthly expenses, and financial responsibilities. Mortgage‑Tek helps calculate an optimal level of cover for full protection.
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Are medical checks required?
Some policies require a health questionnaire or medical underwriting, depending on your age, income, and coverage amount, ensuring your policy is valid and correctly priced.
Can I adjust my cover if contracts change?
Yes. Most policies are flexible to accommodate changes in contracts, clients, or income. Mortgage‑Tek guides you to ensure your cover stays appropriate.
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How quickly does cover start?
Once your application is approved and the first premium is paid, coverage starts immediately, providing peace of mind from day one.
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How does this differ from traditional life insurance?
Traditional life insurance assumes a fixed income. Contractor Protection is specifically structured for irregular or contract-based income, ensuring payouts are fair and eligibility is clear.
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