Protect Your Earnings with Contractor Disability Insurance
If an injury or illness keeps you off the job, your income stops — but your mortgage, truck payment, and payroll don’t. Our contractor-focused disability insurance replaces a portion of your paycheck so you can recover without financial stress.
You insure your truck.
You insure your tools.
Why not insure your paycheck?
✔ Replace up to 60% of your income
✔ Coverage if injury or illness prevents work
✔ Fast 60-second quote
✔ Coverage designed for contractors
The Financial Tightrope: Why Contractors Need Income Protection
Unlike traditional employees, contractors often lack employer-provided benefits like sick pay. An injury or illness can halt income, creating significant financial strain. Contractor Paycheck Protection is your safety net.
of contractors experience a period of lost income due to injury or illness each year, highlighting the risk.
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of contractors have no financial safety net to cover living expenses if they can't work, making income protection crucial.
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Your Safety Net: Contractor Paycheck Protection
Contractor Paycheck Protection replaces a portion of your income if you’re unable to work due to injury, illness, surgery, or any medical condition. It’s designed to provide financial stability when you need it most, ensuring your essential expenses are covered.
- Replaces a portion of your lost income.
- Provides financial stability during recovery.
- Helps cover essential expenses like mortgage and utilities.
Key Benefits of Contractor Paycheck Protection for Skilled Trades
Our Contractor Paycheck Protection offers several key advantages tailored to the unique needs of skilled trades professionals. From income replacement to flexible coverage, we ensure you’re protected against unexpected events. Discover how our specialized plans provide peace of mind and financial security, allowing you to focus on your craft without worry.
Income Replacement When You Need It
If an injury or illness prevents you from working, our disability insurance replaces a portion of your income, helping you cover essential expenses and maintain your financial stability during recovery.
Flexible Coverage Amounts for Your Needs
We understand that every contractor's financial situation is unique. That's why we offer flexible coverage amounts, allowing you to customize your policy to fit your specific income and financial obligations.
Coverage Designed for Physically Demanding Trades
Our policies are specifically designed to protect contractors in physically demanding trades, providing coverage for injuries and illnesses that may arise from the nature of their work, both on and off the job.
Who We Help
We provide income protection for contractors and skilled trades professionals, ensuring financial stability when you need it most.
- HVAC Contractors
- Electricians
- Plumbers
- Roofers
- Framers
- Concrete Contractors
- Landscapers
- General Contractors
- Self-Employed Tradesmen
- 1099 Workers
Specialized Protection for Skilled Trades and Contractors
At Contractors Benefit Group, we focus exclusively on the unique income protection needs of contractors. We understand the challenges of fluctuating self-employed income and offer policies designed specifically for tradespeople, not office workers, ensuring comprehensive coverage.
Of our clients report feeling more secure knowing their income is protected.
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Years of combined experience in providing tailored insurance solutions for contractors.
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Real Protection in Action
Hear from contractors who secured their income after injury or illness.
After my injury, I was worried about paying my bills and supporting my family. Thanks to my disability coverage, I received income replacement that kept us afloat during recovery. I highly recommend Contractors Benefit Group for tradespeople.
John D.
HVAC Contractor, Davis Heating & Cooling
When I was sidelined by a serious back injury, I was relieved to have disability insurance that paid my bills. It allowed me to focus on healing without financial stress. Contractors Benefit Group made the process simple and trustworthy.
Sarah M.
Electrician, Bright Electric Co.
Protect Your Income Now
Get a quote today to secure your income and avoid financial hardship if you get injured or ill unexpectedly.
Frequently Asked Questions
Find answers to common questions about contractor disability insurance, including coverage options, costs, and eligibility for self-employed professionals.
Disability insurance provides income replacement if you cannot work due to injury or illness, helping you cover essential expenses.
Yes, our policies typically cover injuries and illnesses that prevent you from working, whether on or off the job site.
Coverage depends on your income and expenses. We recommend assessing your monthly costs to determine the right amount.
Premium costs vary based on coverage and individual factors, but our plans are designed to be affordable for self-employed tradespeople.