The internet and newspapers read and written by the unoptimistic people of Britain have been full of stories and anecdotes about one thing these past couple of weeks, and no, for once it is not which B-list celebrity Harry Styles now has his hands on. It is of course the fact that the skies have been pelting us with the very best missiles that clouds have to offer. One would imagine that as well as the snow and ice, fireballs have been cascading down from the heavens with all the uproar that has been thrown around as a result of it. Alas not. Sticking to the topic of the weather though (boo), what must be taken into consideration is that with extreme conditions coming the need for adequate safety and precautions to prevent lasting damage.
Many of us are accident sooner and always seem to find a way in which to dramatically hurt ourselves on occasion, but even if you are very sensible and careful, with intense weathers such as the recent ice and snow, the number of accidents inevitably soar. Various illnesses also spread more aggressively during the winter. For employees, having an accident or becoming ill can mean time off, sick pay and an excuse to use up all of that annual leave, but for limited company contractors, accidents can mean substantial financial losses.
Contractors are self-employed professionals that operate as 'sole-traders' in that they work for themselves and are hired by a firm for their specialized skill set. Although contractors may be working for a company, they are not employed by them therefore do not benefit from the perks that come with being within the employment umbrella. One of these is course pay pay, and as a result of this, contractors become highly vulnerable to losing out financially when injured or ill and therefore unable to work. This may not sound as bad as it really is, but with some contractors awareness £ 200 a day, having 6 months off from an accident could be devastating.
Thankfully however, there is insurance that can protect contractors financially if ever an accident was to occur. Accident and Sickness insurance is a highlyought after policy, and for good reason. Contractors see financial and professional protection as their highest priority, and most will purchase adequate insurance products as standard, accident and sickness insurance being one of these. The policy protects a limited company's assets should the contractor fall ill or have an accident that leaves them unable to work for a length of period of time.
Providing monthly paycheques, sickness insurance for contractors is a failsafe way in which limited company workers can be safe in the knowledge that their finances will be maintained; regardless of the amount of time they will need to take off. The insurance premiums are no small price to pay to receive thousands of pounds in the post when taken ill, and it is because of this that sickness insurance is bought after so often through the contracting sector.
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