Here's a question every contractor should ask: "If I couldn't work for 3 months, how would my bills get paid?"
Most people insure their trucks, their tools, and their projects — but not the one thing that makes it all possible: their ability to work.
Disability insurance replaces a portion of your income if an injury or illness keeps you off the job. For contractors and construction professionals, the risk is real — and it doesn't have to be expensive.
Here's what to ask your agent:
What's the elimination period?
Does it cover my specific occupation?
How long do benefits last?
You've built something worth protecting. Let's make sure your income is part of the plan.
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