Cover that understands your job
What you do for a living changes what you need and what insurers ask. A roofer and a receptionist face different risks, different sick pay and different prices. Find your job below.
Trades and construction
- ElectriciansCover for sparks on the tools: a monthly income if you cannot work, and a lump sum for your family and mortgage.
- PlumbersA monthly income if a bad knee or illness stops you plumbing, and life cover that clears the mortgage if the worst happens.
- BuildersCover for general builders: replace your income if you cannot work on site, and protect your family and home.
- Carpenters and joinersIncome protection and life cover for chippies and joiners, on site or in the workshop.
- RoofersCover for roofers who work at height in all weathers: a monthly income if you cannot work and a lump sum for your family.
- PlasterersIncome protection and life cover for spreads and renderers, who rely on strong shoulders and steady hands.
- BricklayersCover for brickies on price work or day rates: income if you cannot lay, and life cover for those who rely on you.
- Painters and decoratorsIncome protection and life cover for decorators, inside or out, who live on bookings rather than a salary.
- ScaffoldersCover for scaffolders: the options that exist for a high risk trade, and life cover for your family.
- TilersIncome protection and life cover for wall and floor tilers whose knees and hands do the earning.
- Gas engineersCover for Gas Safe engineers: replace your income through an injury or illness and protect your family.
- Heating engineersIncome protection and life cover for heating engineers, from oil boilers to heat pumps and commercial plant.
- Glaziers and window fittersCover for glaziers and window fitters who lift heavy glass for a living, paid by the job rather than the hour.
- LandscapersCover for landscapers: income if you cannot dig, lay or build, and life cover for those who depend on you.
- Tree surgeonsCover for arborists who climb and cut: what income protection is available and how life cover works for the job.
- GroundworkersCover for groundworkers on drainage, foundations and concrete gangs: income if you are injured and life cover for family.
- Kitchen fittersCover for kitchen and bathroom fitters who are paid per fit and often work alone.
- Flooring and carpet fittersCover for carpet, vinyl and wood floor fitters who spend their working lives on their knees.
- LocksmithsCover for locksmiths who work alone, at all hours, with no sick pay to fall back on.
- HandymenCover for handymen doing a bit of everything: how insurers rate varied work and what policies can do.
- Welders and fabricatorsCover for welders and fabricators, in the workshop or on site, whose health and hands keep them earning.
- Crane operatorsCover for tower and mobile crane operators, where passing a medical is part of keeping the job.
- Steel erectorsCover for steel erectors working at height and away from home: what income protection exists and how life cover works.
- Site managersCover for construction site managers: how to build on employer benefits and protect against stress and illness.
- SurveyorsCover for building and quantity surveyors, whose work is mostly professional with some site visits.
Driving, public service and education
- HGV driversCover for lorry drivers, built around the Group 2 medical, long shifts and how little sick pay many hauliers offer.
- Van driversProtection for multi-drop, trade and wholesale van drivers who would lose wages, or the van, if they could not work.
- Taxi driversCover for black cab, hackney and private hire drivers who are paid by the fare and get no sick pay when they cannot drive.
- Delivery driversFor app-based food and grocery delivery workers on two wheels or four, who earn nothing on the days they cannot ride or drive.
- Bus driversFor bus and coach drivers whose PCV licence, early shifts and passenger safety duties all hang on staying medically fit.
- Train driversFor train and tram drivers whose safety-critical medicals, shift rosters and traumatic incidents all affect their ability to keep driving.
- Forklift driversFor counterbalance, reach and order picker operators in warehouses, yards and depots, many of them on agency contracts.
- CouriersFor owner-driver couriers on parcel rounds, same-day and overnight work, who carry the cost of the van whether they work or not.
- Removal workersFor removal porters, drivers and small firm owners whose bodies take the strain of every house move.
- PilotsFor airline, cargo and commercial pilots whose career depends on holding a valid aviation medical certificate.
- MechanicsFor garage technicians, mobile mechanics and independent workshop owners who rely on their hands and their own tools to earn.
- Driving instructorsFor approved driving instructors who earn by the lesson and lose that income the day they cannot sit in the passenger seat.
- Police officersFor police constables, detectives and sergeants who want to know where their force benefits end and personal cover begins.
- FirefightersFor wholetime and on-call firefighters who need to stay fit for the role and want cover that outlasts their service benefits.
- Prison officersFor prison officers and custody staff who face assaults and stress at work and want cover that lasts longer than their employer's.
- Armed forcesFor soldiers, sailors, aircrew and reservists who want cover that sits alongside service benefits and continues after they leave.
- TeachersFor primary and secondary teachers who want to know when school sick pay runs out and how to protect income beyond it.
- Teaching assistantsFor TAs and learning support assistants on term-time or part-time contracts who want to protect a modest but vital income.
- Social workersFor children's and adult social workers in councils, the NHS or locum roles who want to protect income through stress or illness.
- Civil servantsFor civil servants in departments and agencies who want cover that works alongside their sick pay and pension benefits.
- Nursery workersFor early years practitioners and nursery nurses who often get only statutory sick pay and work in physically tiring settings.
- ChildmindersFor registered childminders who run a home-based setting and lose every fee the day they cannot care for children.
- LecturersFor university and further education lecturers, permanent or on fixed-term and hourly contracts, who want cover beyond their institution's.
- Private tutorsFor self-employed tutors teaching in person or online who are paid by the session and earn nothing when they are ill.
- NanniesFor daily and live-in nannies employed by families, who usually get only statutory sick pay and may lose their home if they cannot work.
Health and care
- NursesHow NHS sick pay, bank shifts and agency work affect a nurse's need for income protection and life cover.
- DoctorsProtection for hospital doctors, GPs and locums, built around NHS sick pay, private income and own speciality cover.
- DentistsCover for associates and practice owners whose income depends on steady hands, good eyesight and a healthy back.
- ParamedicsProtection for ambulance crews facing heavy lifting, unsocial shifts and the strain of emergency work.
- Care workersSimple, affordable protection for home care and care home staff who rely on statutory sick pay.
- MidwivesCover shaped around NHS midwifery contracts, community on-call work and independent practice.
- PharmacistsProtection for hospital, community and locum pharmacists, plus owners with a business to keep running.
- PhysiotherapistsCover for NHS, private and sports physios whose income depends on hands-on treatment.
- Healthcare assistantsAffordable protection for HCAs and support workers, especially those early in their NHS career or on bank shifts.
- Dental nursesProtection for dental nurses whose practice may offer little beyond statutory sick pay.
- OptometristsCover for employed, locum and independent optometrists, with a focus on own occupation terms.
- VetsProtection for small animal, farm and equine vets, including locums and practice partners.
- Veterinary nursesPractical, affordable protection for RVNs and student vet nurses in practice.
- PsychologistsCover for clinical, counselling, educational and private practice psychologists.
- Occupational therapistsProtection for OTs in hospitals, councils, schools and independent practice.
- RadiographersCover for diagnostic and therapeutic radiographers in NHS and private imaging.
- DietitiansAffordable protection for NHS, freelance and private dietitians.
- ChiropractorsProtection for self-employed and clinic-owning chiropractors whose hands are their livelihood.
- Massage therapistsProtection for self-employed, spa and mobile massage therapists with irregular income.
- CounsellorsCover for private practice counsellors and psychotherapists paid by the session.
- Pharmacy techniciansAffordable protection for hospital and community pharmacy technicians.
- Lab techniciansProtection for NHS pathology, university and private lab staff, including biomedical scientists.
Office and professional
- AccountantsCover for accountants in firms, in industry or running their own practice, built around sick pay and busy-season pressure.
- SolicitorsProtection for solicitors at every stage, from salaried associate to equity partner, built around billable hours and firm sick pay.
- Software developersCover for developers and engineers in tech teams, whose hands, back and focus are what earn the salary.
- IT contractorsCover for day-rate IT contractors, where a sick day is an unpaid day and the next contract is never certain.
- Office managersProtection for the person who keeps the office running, often at a small firm with limited sick pay.
- AdministratorsAffordable income and life cover for admin staff, including part-time workers on statutory sick pay.
- Project managersCover for project managers in offices, on sites or on contract, built around how your role really splits its time.
- Mechanical engineersCover for mechanical engineers, from CAD screens to test rigs, priced on how hands-on your work really is.
- ArchitectsCover for architects in practices large and small, where fee income depends on you being well enough to design.
- Estate agentsCover for sales, lettings and branch staff whose commission vanishes the moment they cannot do viewings.
- Financial advisersCover for financial advisers and planners who spend their days protecting other people's plans.
- HR managersCover for HR professionals who handle everyone else's sickness absence and benefits, but rarely their own.
- Marketing managersCover for in-house marketers, agency teams and freelancers who live by campaign deadlines.
- RecruitersCover for recruitment consultants and agency owners whose income swings with every placement.
- ConsultantsCover for consultants at large firms and independents billing by the day or project.
- ReceptionistsAffordable protection for front-desk staff in offices, surgeries, salons and hotels.
- Sales representativesCover for field sales reps who spend their week behind the wheel and earn on results.
- Call centre workersAffordable cover for contact centre staff whose sick pay rarely lasts long.
- Bank workersCover for branch, operations and head office banking staff, built around the benefits you already have.
- JournalistsCover for staff and freelance journalists whose income depends on filing the next story.
- Civil engineersCover for civil and structural engineers splitting their time between drawings and live sites.
- Electrical engineersCover for electrical engineers in design offices, plant rooms and substations.
- Data analystsCover for analysts and data scientists whose work happens on a screen, wherever that screen is.
Hospitality, retail and beauty
- ChefsCover for chefs who work hot, fast kitchens, from commis to head chef, with tips, overtime and agency shifts in mind.
- Restaurant managersFor general managers and assistant managers who run the floor, the rota and the numbers, with bonuses and long weeks to think about.
- BartendersFor bar staff on late shifts and flexible hours who want an income if an injury or illness stops them pulling pints.
- Waiters and waiting staffFor servers and front of house teams whose pay depends on busy shifts and good tips, and who have little sick pay to fall back on.
- Hotel workersFor hotel teams across housekeeping, front desk, portering and maintenance, including live-in and seasonal staff.
- Retail workersFor shop floor, till and stockroom staff who stand all day, lift deliveries and often work part-time or flexible hours.
- Shop ownersFor independent retailers who run their own shop, from corner stores to boutiques, with no sick pay and a business that relies on them.
- HairdressersFor stylists, colourists and salon owners, including self-employed chair renters with no sick pay at all.
- BarbersFor barbers on the chair, renting space or running their own shop, where a busy week depends on your hands and health.
- BeauticiansFor beauty therapists offering facials, waxing, lashes, brows and body treatments, whether employed, mobile or salon owners.
- Nail techniciansFor nail techs working in salons, renting a desk or running a home studio, whose income stops the moment their hands do.
- ButchersFor butchers in high street shops, supermarket counters and processing plants, working with blades, cold rooms and heavy carcasses.
- Cabin crewFor flight attendants and senior crew on short and long haul, with rosters across time zones and medical fitness to keep up.
- SeafarersFor merchant navy officers, ratings and crew on ferries, cargo ships and cruise lines who spend long spells away from home.
Creative, fitness and outdoor
- Personal trainersCover for self-employed trainers whose income stops the moment an injury keeps them off the gym floor.
- Sports coachesProtection for coaches who stitch together club, school and camp work and lose it all if they get hurt.
- PhotographersIncome cover for freelance photographers whose bookings, deposits and editing all depend on them staying well.
- MusiciansIncome cover for working musicians whose gigs, sessions and lessons depend on healthy hands, hearing and voice.
- ActorsHow income protection and life cover work for actors paid contract by contract, with gaps in between.
- Graphic designersIncome cover for designers, with fair rates for desk work and options for freelancers with no sick pay.
- WritersIncome cover for freelance writers and authors, with clear advice on how insurers treat advances and royalties.
- CleanersCover for cleaners whose income relies on their back, knees and hands, and on keeping regular clients.
- Dog groomersIncome cover for groomers who lift dogs, use clippers all day and still have salon or van costs when off sick.
- Dog walkersIncome cover for self-employed dog walkers who are outdoors on their feet in all weather.
- GardenersCover for self-employed gardeners with seasonal income, power tools and a body that does the work.
- FarmersIncome and life cover for farmers, with uneven profits, machinery and livestock risks and a family business to pass on.
- FishermenWhat protection commercial fishermen can get, why choices are narrower and how earnings from the catch are assessed.
- Tattoo artistsIncome cover for tattoo artists whose bookings depend on steady hands, good eyesight and a healthy back.
- Yoga teachersIncome cover for yoga and Pilates teachers who earn class by class and lose income if they cannot teach.
Industrial and manual
- Factory workersCover for line, packing and production staff, built around shift work and the gap that statutory sick pay leaves.
- Warehouse workersCover for pickers, packers and warehouse operatives on agency or permanent contracts, with lifting and fast-paced shifts in mind.
- Machine operatorsCover for CNC, press, lathe and line machine operators, shaped around hand injury risk and rotating shifts.
- LabourersCover for general and site labourers on day rates, CIS or agency pay, where a week off often means a week without income.
- Security guardsCover for static guards, patrol officers and door supervisors working long nights on SIA-licensed contracts.
- Refuse collectorsCover for refuse loaders, recycling crews and drivers, whether you work for a council, a contractor or an agency.
- Postal workersCover for delivery staff and mail centre workers, matched to employer sick pay and the wear of a walking round.
- Offshore workersSpecialist cover for oil, gas and offshore wind workers on rotation, including contractors with no sick pay.
- Maintenance engineersCover for multi-skilled maintenance engineers and technicians on shifts, call-outs and planned shutdowns.
- Plant operatorsCover for excavator, dumper, roller and telehandler operators, often self-employed on day rates with no sick pay.
- Window cleanersCover for self-employed window cleaners, shaped around working at height and a round that stops earning when you do.
- Pest controllersCover for pest control technicians, employed or self-employed, working with chemicals, ladders and long days on the road.
Ten minutes on the phone. Sorted for years.
Tell us what you want to protect and we'll compare UK insurers, explain the options plainly and handle the forms. Monday to Friday, 9am to 6pm.
Tomorrow-you will be glad you did.