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Protecting Your Livelihood: The Importance of Personal Accident Cover for Self-Employed Workers.

As a self-employed person, your business and income depend on your physical well-being. Especially when your work is manual. So whether you're a builder, carpenter, plumber, locksmith, gardener, or any other self-employed trade, or person that relies on their physical ability to earn, the risks of accidents are an ever-present concern.


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One of the most common and most overlooked, potentially financially devastating accidents is breaking a bone. In this blog, we'll explore why personal accident cover is crucial for self-employed workers, the prevalence of bone fractures, and how being in a cast for six weeks can impact your business, income, and ability to meet financial obligations.


The Prevalence of Bone Fractures among Manual Workers


Accidents can happen in the blink of an eye, especially in physically demanding professions. Bone fractures are certainly not uncommon for self-employed manual workers.


From a fall at a construction site to a mishap with heavy machinery, the risk of breaking a bone is a constant concern.

Consider these facts:

  1. Workplace Accidents: Manual workers often face a higher risk of workplace accidents due to the nature of their jobs. These accidents can lead to fractures, dislocations, or other serious injuries.

  2. Slips, Trips, and Falls: Working in various environments, from building sites to clients' homes, increases the likelihood of slips, trips, and falls that can result in bone fractures.

  3. Heavy Lifting: Many manual workers are required to lift heavy objects regularly, increasing the risk of musculoskeletal injuries and fractures.

The Impact of a Bone Fracture on Your Business and Income

A broken bone can have far-reaching consequences for self-employed workers, both personally and professionally:

  1. Loss of Income: When you can't work due to a fracture, your income stops. This loss can be particularly challenging for self-employed individuals who don't have sick pay or benefits.

  2. Delayed Projects: If you're in the middle of a project or have deadlines to meet, a fracture can cause significant delays. This can lead to client dissatisfaction and potential financial penalties.

  3. Business Expenses: Even when you're unable to work, your business expenses continue. Rent, insurance, and other overhead costs don't go away just because you're injured.

  4. Risk of Losing Clients: Extended downtime due to a fracture can lead to clients seeking alternative service providers, potentially damaging your client base and reputation.

The Role of Personal Accident Cover


Personal accident cover is designed to provide financial protection when accidents occur.


Here's how it can benefit self-employed manual workers:

  1. Income Replacement: Personal accident cover ensures you receive a lump sum payout in the event of an regular income, helping you cover your bills and expenses while you're unable to work.

  2. Hospitalisation Benefit: Lump sum payouts for every 24 hours spent in hospital for any condition up to a max of 90 days.

  3. Business Continuity: With the financial support from personal accident cover, you can keep your business running, pay your employees (if applicable), and meet your financial obligations even when you're unable to work.


Breaking a bone is a serious setback for anyone, but for self-employed manual workers, it can be financially devastating. The risks are real, and the consequences are severe. Just one moments lapse of concentration, one bad Sunday League tackle, one car accident or fall and you could find yourself up the creek without a paddle.


The Paddle


When you're Self Employed, Personal accident cover is not just an option; it's a necessity for protecting your livelihood and ensuring your financial security in times of unexpected accidents.


Don't wait until it's too late. Speak to us us about how a personal accident cover could work for you today to safeguard your income, your business, and your peace of mind.


Ready to Protect Your Future? Contact Us Today!

At Davis & Co Financial Solutions Ltd, we specialise in providing tailored insurance solutions for self-employed workers like you. Contact us today to learn more about how personal accident cover can protect your business and income. Our team is here to help you make informed decisions and secure a brighter, more secure future.


Call Jon on 07956 902830 today or email info@davisfinancialsolutions.co.uk to find out more.



Disclaimer: This blog post is for informational purposes only and should not be considered legal or financial advice. Please consult with a qualified insurance professional to discuss your specific needs and circumstances.

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