📰 Insights
Self-Employed & Business Insights
Sick pay gaps, Personal Sick Pay and company-paid cover for sole traders, contractors and directors.
3 articles in Self-Employed & Business
Personal Sick Pay: the cover most self-employed tradespeople have never heard of
Statutory Sick Pay does not apply to the self-employed. For a lot of tradespeople that means the income stops the same day the work does.
Updated 6 October 2026Read →Executive income protection and Relevant Life: smarter cover for company directors
Directors optimise everything else for tax, then often buy protection that ignores how they actually pay themselves. That is finally changing.
Updated 6 October 2026Read →The self-employed sick-pay gap and the rise of Personal Sick Pay
Roughly one in seven UK workers is self-employed, and none of them get sick pay. That gap is driving a quiet shift in how cover is bought.
Updated 6 October 2026Read →