Personal accident or personal accident and sickness plans for the self employed are available.
There are many advantages to working for yourself. Record numbers of people are setting up on their own. Many are self employed individuals, frequently working from home.
When you work for yourself, all the benefits that an employer provides vanish. When you are not fully fit you are not earning at all, or less than normal. So you have double trouble with money to pay out and less money coming in.
Some but not all insurers accept individual self-employed people on individual personal plans, but you have to convince the taxman that it is a business expense.
A few insurers offer policies tailored to the self employed . Cover can sometimes include family members.
Policies for the self employed are usually a tax-deductible business expense- but it depends on your accountant and your taxman.