Sickness & Accident insurance replaces your lost income in the event of sickness or injury. For the self employed person it is an absolute must where you have no workers compensation cover.
Even if you do have workers compensation cover you can still have an accident outside of working hours and of course sickness can occur at any time and is not covered by workers compensation.
Sickness & Accident Insurance provides cover 24 hours a day, 7 days a week usually anywhere in the world.
With mortgages to meet and a family to keep this is the only way to guarantee an income during incapacity. You may also need to employ someone to do your work whilst you are incapacitated.
