If you’re injured as a result of an occupational accident and are unable to work, then there’s a good chance you’ll be looking at a significant financial loss.
With personal accident cover, you will be paid a benefit whilst you recuperate, meaning you won’t have to worry about those food bills, the mortgage, or any of the other things you might take for granted when you’re working and earning money.
Should your accident leave you with a permanent disability, or cause your death, then a lump sum is usually paid out. An occupational accident may include the following: injury while working from your home office, injury on site or at a client’s office, or injury while travelling to or from a client’s site or your own home office.
As an employee you would be looked after by the company you work for should you have an accident, but it’s important to remember that as a freelancer you may lose your contract if you cannot work and subsequently, your income.
You have a car accident while driving to your client’s office. Your injury means you cannot work for a prolonged period. You can claim a weekly benefit to help cover your costs whilst recovering.