Best Income Protection Insurance For Small Business Owners 2022

Low cost Income Protection Insurance For Small Business Owners UK

Find out if Insured Defense Income Protection Insurance For Small Business Owners is the right option for you

  • Not available on the big comparison websites
  • Cover starts from £24 per month
  • Cover up to 80% of your current earnings
  • With a successful claim, get paid within 28 days
  • Your Insurance Requirements

  • Please enter a number from 500 to 5000000.
  • About You



Protecting your business’ income through illness and injury is one of the greatest risks that clients may face.

Income Protection through our Business Menu Plan pays a monthly income to the covered person if they are unable or injured to work and meet our definition of incapacitated.

Our Income Protection will help your clients if they are unable to work due to illness or injury.

Income Protection was traditionally seen as slow and complex to pay when people needed it most.

Our Income Protection offers your clients many great benefits, so they can get the financial assistance they need, when and where they need it.

You can make two claims in 12 months for fracture coverage up to £4,000

After your client stays more than six consecutive nights at the hospital, a hospitalization payment of £100 per day will be made.

If the person being covered is unable to pay the premiums, the policy will cover the cost of 12 months of replacement.

We’ll pay back to work if your client has a terminal illness or less than 12 months left to live.

This is not all. Clients can protect more of their income with our tiered approach – up to 65 per cent of the first £15,000 pre-tax income plus 55% for the rest.

Clients who are employed and run their own business can receive dividends, a nominal spouse’s salary, and P11D benefits. Your self-employed clients may also be eligible for certain fixed overheads.

Our flexible claims philosophy ensures that we don’t stall the process while we wait for financial evidence.

Our Business Menu Plan offers Income Protection Benefits

You have the option to choose between one, two, five, or until the end of the payment period. This allows your clients to customize the cost according to their business needs.

Reassurance – We’ll pay up to 65% of your first £15,000 pre-incapacity earnings plus 55% of any remaining, up to £250,000 per year.

Additional benefits include fracture coverage and hospitalization payment. These benefits do not affect the main Income Protection coverage, so clients don’t have to wait for their deferred period to end before they can make a claim.

Clients with deferred periods of 13, 26, or 52 weeks will be paid a back-to-work payment in their first and second month back at work. This payment is to assist with the financial impact of coming back.

Accelerated claims in terminal illness – If a client has less time than 12 months and meets our definition, then they don’t have to wait for the deferred period to end before receiving their payments.

Additional payment upon death – If a client is unable to work during their coverage, we will pay a lump sum equal 12 times their monthly premium for Income Protection.

All our Business Menu Plans include Helping Hand Support.

Income Protection Insurance For Small Business Owners