Whether you’re a sparky, a gardener or working in the transport biz for a crust, it’s no secret that you put in the hard yards day after day to get the job done. It’s a profession that requires good physical health and wellbeing, especially when you’re the one running the show.

When life takes an unexpected turn, your ability to earn a steady income can be put at risk. For small business owners, sole traders and contractors who may not necessarily have the same protections as salaried employees, like paid sick leave, annual leave, or workers compensation, which can lead to a significant financial strain.

Running a small business often means relying on your own ability to work. But what happens if you’re injured or fall ill and can’t earn an income? Losing the ability to work, even for a short time, can put a small business under serious strain.

In the final piece of our Business Insurance for the self-employed guide, we take a look at Personal Accident and Illness insurance and Cyber Liability insurance. We share the ins and outs of why self-employed workers need to consider these forms of cover.

While insurance can give you peace of mind when accidents happen, it’s important to read the fine print of your policies before you choose to buy or renew. Just assuming your insurance covers you for every single outcome can lead to costly mistakes.

As a qualified and skilled professional in the construction industry, you may work as a contractor or subcontractor, which means it is important that you understand the insurance requirements that come with these roles.

Unless you’ve got a money tree growing out the back, the financial consequences of a claim could not only put you out of business but jeopardise your personal finances too. Business insurance has your back when things don’t quite go plan.

For many business owners, business insurance can be a bit of a head-scratcher. Do you need it if you work from home? What’s the difference between Workers’ Comp and Personal Accident & Illness insurance? How much cover is enough, anyway?