When you cannot work, your bills do not take a break.

Who is this conversation for?

For people whose earnings depend on their own work: B2B contractors, freelancers, professionals and sole traders. The availability of a particular option depends on factors including employment status, occupation and product terms.

If you are employed, need a larger benefit or have an unusual working situation, choose a conversation with a broker. We do not automatically assume the online product will be appropriate.

Two routes. Different terms.

Online: BTLA’s partner link takes you to Leadenhall. There, you can check the premium and availability for your occupation, answer questions and receive documents before buying.

Individually: we discuss your needs, expected benefit and cover. An offer prepared by a broker may have different terms from the product available through the link.

What should you check before buying?

The definition of incapacity for work, waiting period, maximum benefit period and how revenue is established. Declaring a higher amount does not automatically mean a higher payment.

Also check pre-existing medical conditions, exclusions relating to illnesses and activities, and documents required for a claim. No medical questionnaire does not mean every illness is covered. Details are in the current documents for your chosen option.

Private L4 is not BI or unemployment insurance.

This concerns your ability to work. BI insurance concerns the financial consequences of business interruption under the contract terms, often following property damage. A lack of assignments or the end of a contract is different from incapacity for work covered by a policy.

How can you start without unnecessary formalities?

Your occupation, employment status and expected benefit amount are enough for the first conversation. Do not send diagnoses, test results or medical records through this form. We will agree how to provide any documents separately.

Brief answers