Illness and injury cover
Insurance protection for when you’re unable to work due to illness or injury
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 21 days or more weeks, you may be able to make a claim under the insurance cover included with your membership.
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.
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How does it work?
If you have been signed off by a doctor or hospital for 21 days 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.
IPSE will forward your claim to Qdos, who will assess it and settle valid claims directly with you.
The policy pays a flat benefit, regardless of day rate, salary, or how you structure your income. Once a valid claim is approved, the full benefit is paid as a single amount.
The policy does not cover pre-existing medical conditions or any pre-planned medical procedures or absences.
If successful, we’ll send your compensation (calculated based on your day rate) 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 30-day waiting period before you are eligible for this benefit, pre-existing medical conditions and preplanned procedures or absences are not covered.
“There’s quite a lot of resources, in terms of thinking about how you pitch your work, don’t get paid late or whatever it might be.”
"As an IPSE member I rest easy knowing that support is just a phone call away. It's an essential part of my business set-up!"
“I wish I’d known about IPSE when I first started as a freelancer because it would have really helped me make those difficult decisions.”
People who value this benefit usually go for...
Most suitable for you if
You provide your services or products as a sole trader or freelancer.
*minimum annual subscription
Benefits include:
- Tax and legal helplines
- IPSE Offers
- Unlimited co-working
- Business Hub
- Events, networking & training
- Member directory
- Campaigning
- Advice and guidance
- Discounted contract review
- 1-2-1 Success Sessions
- Illness and injury cover up to £1,500
- Jury service cover up to £2,500 per claim
- Tax & VAT investigation cover of legal fees up to £50k, £250 per day for loss of earnings up to £750
- Managed service company cover
- Contract failure cover up to £1,000
- Legal cover up to £50k
Most suitable for you if
You run your business as a Limited company.
*minimum annual subscription
Benefits include:
- Tax and legal helplines
- IPSE Offers
- Unlimited co-working
- Business Hub
- Events, networking & training
- Member directory
- Campaigning
- Advice and guidance
- Discounted contract review
- 1-2-1 Success Sessions
- Illness and injury cover up to £2,000
- Jury service cover up to £5,000 per claim
- Tax & VAT investigation cover of legal fees up to £100k, £500 per day for loss of earnings up to £1,500
- Managed service company cover
- Contract failure cover up to £1,000
- Tax pre-dispute cover
- End client or agency failure cover up to £10k for loss of earnings
- Legal cover up to £50k
The Association of Independent Professionals and the Self Employed Limited (“IPSE”) is an Appointed Representative of Qdos Broker and Underwriting Services Limited. Qdos Broker and Underwriting Services Limited is authorised and regulated by the Financial Conduct Authority. This can be checked on the Financial Services Register at www.register.fca.org.uk. Qdos Broker and Underwriting Services Limited is a limited company registered in England and Wales under No. 06012716 and with its registered office at: The Grange, Grange Avenue, Rearsby, Leicester, LE7 4FY. In order to maintain a quality service, we may record and/or monitor calls for quality assurance, training, security and regulatory purposes.
