Affordable insurance advice

Finding affordable insurance advice for your health and business can be especially difficult for an independent contractor. Accidents can happen and having the right insurance is vital to ensuring that your business doesn’t suffer.

One health setback or legal issue could be enough end your contracting dream before your business even has a chance to get off the ground. Fortunately, there are options to keep your health and business in check, and more importantly, your wallet happy. These are some of the great insurance packages we offer.

We advise on all the major insurance areas, including:

  • Life cover
  • Disability cover
  • Private medical cover
  • Income protection
  • Critical illness

If you're self-employed, we can assist you with contractor-specific insurance schemes:

  • Contractor insurance
  • Professional indemnity

Are you a contractor? Learn more about our services?

Medical insurance for contractors

WPA offers excellent value health insurance to contractors. With over 110 years of experience and tailored policies for the self-employed, their customers receive the highest standard service and care.

Private medical insurance

Contractors enjoy a variety of benefits that are not associated with permanent employment, including flexibility in working hours. However, this means that self-employed individuals, unlike permanent employees, run the risk of disrupting their cash flow where they are unable to work due to medical issues such as illness. They are also responsible for covering their own healthcare costs.

Using a private medical cover ensures that you receive the best treatment when you need it. It gives you the freedom to choose the service and treatment you would like to receive at a time that is convenient for you and your business. WPA is a non-for-profit company that has been providing cover for over a century. The company has won various awards and are renowned for their high levels of customer service. When you purchase a scheme from WPA, the benefits include:

When you purchase a scheme from WPA, the benefits include:

  • Avoiding NHS waiting lists
  • Reducing time away from work
  • High quality treatment
  • Immediate cover
  • Preferential rates
  • You will have access to over 600 private hospitals.
  • If you join WPA, you will have the freedom to choose when and where you are treated.

Please note: A payment for private medical insurance on your behalf by a limited company of which you are the director is seen as a benefit in kind and subject to taxation. This benefit must be reported on form P11D on your tax return in July each year. If you choose to take out and pay for the cover personally, the payment will no longer be a benefit in kind.

Flexible, affordable health cover

WPA offers three packages: Essential, Premier and Elite.

  1. Essential

    Fast track medical services at private surgeries

  2. Premier

    Full private medical insurance, including cancer care

  3. Elite

    Premier plus unlimited benefits for out-patient consultations and tests, extensive dental cover and emergency benefits for when you’re abroad

Get in touch

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Sable Private Wealth Management Limited is authorised and regulated by the Financial Conduct Authority 222501. Sable Private Wealth (Pty) Ltd, an authorised FSP, is regulated by the Financial Sector Conduct Authority under licence number 48122.