Illness and injury cover

Get compensated for loss of earnings if you're ill or injured

What is it?

You have finally landed your dream client and the work is going great, until you unexpectedly fall ill and can’t work for nearly a month, interrupting all your income but not halting any of your outgoing expenses.   

As an IPSE Kickstart, Freelancer or Director member, if you are ill or injured for 3 or more weeks, IPSE will compensate you based on your current contract.  

When you work for yourself, having this type of protection in place is a no-brainer. The potential outcome of a claim for this cover can surpass the cost of an annual IPSE membership fee - many times over.  

Membership category Kickstart Freelancer Director
Level of cover Up to £1,500 Up to £1,500 Up to £2,000


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How does it work?

If you have been signed off by a doctor or hospital for 3 weeks or more, all you’ll need to do is fill out a straightforward claim form and send it to our membership team in an email with some additional evidence (such as a doctor’s note), then we’ll take care of the rest.  

If successful, we’ll send your compensation in a single payment, so that you can rest easy knowing your bills are covered and focus on getting back on your feet.  

There is a 60 day waiting period before you are eligible for this benefit, and any preplanned procedures or absences are not covered. 


Join a community that supports you on your self-employed journey

From starting up your business to winding it down, IPSE's range of member benefits provide expert guidance, vital protection, and real connections, so that you're never in doubt.

While you focus on what you do best, we'll take care of the rest.

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