07/03/2026
What happens if the person who runs the business can't work?
Imagine a self-employed electrician.
He's built his business over the years. He has a steady stream of clients, tools worth thousands of dollars, a work truck, and a mortgage to pay. Every week he works, money comes in.
Then one morning, he falls from a ladder and breaks his leg.
The good news? He'll recover.
The challenge? Recovery could take weeks—or even months.
During that time:
• Customers may have to look elsewhere.
• Truck payments, insurance, rent, and other business expenses don't stop.
• Household bills still need to be paid.
• The stress of lost income can become just as difficult as the injury itself.
Many self-employed trades professionals insure their trucks, tools, and equipment. But one of their most valuable assets is often overlooked—their ability to earn an income.
Disability insurance isn't just about replacing income. It's about giving you the financial breathing room to focus on recovery instead of wondering how the bills will get paid or whether your business can survive the interruption.
If you're self-employed in the trades, it's worth asking yourself:
If you couldn't work for 3, 6, or 12 months, would your business and family be financially prepared?
Planning for the unexpected isn't expecting the worst—it's protecting everything you've worked so hard to build.
