Personal Accident & Income Protection (Sickness) Insurance

Tailored insurance that works as hard as you do

At a price you can afford With FREE legal expenses & accidental death cover
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Our Reviews

4.9 / 5 Based on 983 Reviews
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Cover To Get You Back On The Mend

When you’re running a business, getting sick or injured is the last thing on your mind – but when it happens, it can be one of the most stressful things you’ve ever faced! Nobody wants to be worrying about how they’re going to pay the bills when they’re in hospital with a broken leg or at home with a serious case of the flu. All you want is some chicken soup and a long sleep.

That’s why personal accident cover can be a God-send. A cover that works when you can’t, it offers a lump-sum payment if you’re unable to work on a permanent basis following an accident or suffer a major fracture or dislocation.  You can even add on extra income protection cover which will pay you a weekly benefit in the event that you cannot work on a temporary basis due to accident or sickness.  This means you can focus on getting yourself back on the mend, while we look after you.

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Tradesman Saver - Automatic Covers

Public Liability
Financial Loss
Products Liability
Legal Expenses
Accidental Death

Tradesman Saver - Optional Covers

Employers Liability
Tools / Equipment
Contractors All Risks
Business Contents
Professional Indemnity
Personal Accident
Short Term Income Protection

Can't fault the cost. No other company could offer the same level of cover for the price.

Chris Doyle

Very easy site to use and very competitive. Friendly all from the administration staff after on line quote . All in all pleased at the service so far.

Dermot Devlin

Online & anywhere

We like to keep things simple. Your quote, purchase & documents are all available online, anytime.

Cover is instant

No need to wait for your documents. You're covered from the moment you purchase.

Added protection

Products liability, legal expenses and accidental death cover as standard on every policy.

Monthly instalments

Cashflow is important to every business. Spread the cost & pay in easy, monthly instalments.

Personal Accident & Income Protection (Sickness): How Does It Work?


Preparing yourself for accident or sickness doesn’t have to be all doom and gloom. Our cover is very easy to arrange and we automatically provide insurance for you and all your staff for one fixed cost.

The cover operates on a 24-hour, worldwide basis, so it isn’t limited to accidents at work either. Cover is available for you and your employees aged between 16 and 70.

You can select to have cover for Personal Accident Only OR you can also include cover for Short Term Income Protection (Sickness) which will pay out if you are unable to work on a temporary basis due to accident or illness.

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What Cover Do I Get With Personal Accident Insurance

The limits of cover you will get are:

Accidental Death£50,000
Permanent Total Disability£100,000
Permanent loss of sight in both eyes£50,000
Permanent loss of use of two limbs£50,000
Permanent loss of sight in one eye£25,000
Permanent loss of use of one limb£25,000
Permanent loss of speech£25,000
Permanent loss of hearing in both ears£25,000
Permanent loss of hearing in one ear£10,000
Permanent loss of use of:
A shoulder, elbow, hip, knee, thumb, wrist or ankle£10,000
Any finger or big toe£5000
Any other toe£1000
Hospitalisation (Maximum 45 days and after a minimum 24 hours)£100
Extended hospitalisation (for stays longer than 14 days)£1000
A major fracture of:
Upper leg; vertebral body; Pelvis; Skull£500
Vertebra other than vertebral body; lower leg; lower jaw; breastbone; shoulder blade; kneecap; upper arm; lower arm£250
Lower leg; hand (metacarpals); foot (metatarsals); clavicle; coccyx; wrist (carpals) and Colles’ fracture ankle (tarsals) & Pott’s fracture£100
Dislocation of:
Spine; back; hip£250
Knee; ankle; shoulder or collar bone; elbow; wrist£100
Any other joint£50

What Cover Do I Get With Short Term Income (sickness) Protection

In the event that you are unable to work as a result of accident or sickness, we will pay £250 Per Week or your gross weekly income — whichever is less, up to a maximum of 12 months.

What if i need extra cover?

Should the standard limits of cover not meet your requirements, please contact us to arrange a separate Personal Accident &/or Sickness policy.

Personal Accident & Short Term Income Protection (Sickness): Frequently Asked Questions


Why do I need personal accident & income protection cover?

Personal accident & income protection insurance is designed to cover you against accident or sickness that leaves you unable to work for a suspended period of time. It’s a vital necessity for those who are self-employed, as it can guarantee pay when you’re not fit to work yourself.  You can even get cover for your staff which will save you needing to pay them if they are unable to work.

Will I be covered if I’ve had two or three days off work?

No. The waiting period under the policy is 14 days, so we will only cover you if you’ve been off work for more than two weeks.

How much cover do I need?

We provide a weekly benefit if you can’t work on a temporary basis (providing you select the income protection option). We also offer a lump sum payment in the event of you being unable to work on a permanent basis or death.  We offer a set level of cover as detailed in the table above.

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Our Reviews

4.9 / 5 Based on 983 Reviews
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Very easy to navigate site

15 hours ago

Excellent and hassle free service

21 hours ago

Excellent and hassle free service

21 hours ago
*Based on £1,000,000 public liability, £250,000 legal expenses & £10,000 accidental death cover for a sole trader © Copyright 2019 Tradesman Saver | Tradesman Saver is a product of Henry Seymour & Co (Barkdene Ltd) which is authorised and regulated by the Financial Conduct Authority.
Registered in England No 1842617 Insurance Brokers. All rights reserved.
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