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Insurance & Protection for Contractors

Protect yourself, your home, and your future with Danbro Financial Planning’s specialist Insurance & Protection advice.

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Insurance. Protection. Peace of Mind.

As a contractor, finding the right insurance protection is a minefield. From income and mortgage protection to life insurance and critical illness cover, it’s difficult to work out what level of protection you need. Not to mention, what exactly you need insuring for.

Fortunately, as a Danbro Umbrella employee, you have access to Danbro Financial Planning’ specialist advice. The team at DFP will aim to save you time and money by working with you to find the insurance and protection deals that are most appropriate for you.

We’re proud of Danbro Financial Planning’s outstanding Mortgage and Protection services. Don’t just take our word for it, though. Check out DFP’s customer reviews.

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Protect Your Home
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Home & Contents Insurance

Buildings insurance – which covers your permanent fixtures and the structure of your home – is often a condition of your mortgage arrangement, whether you’re a homeowner or a buy-to-let landlord. However, the decision to take out contents insurance, which protects material possessions like furniture and electronic gadgets, is down to you. Without adequate insurance and protection, many would be unable to repair or replace their home and/or contents should the worst occur.

As everyone’s home is different, so too should your insurance policy be. ‘One-size-fits-all’ home insurance packages may seem appealing when scrolling through comparison sites. But, if the unthinkable happens, you need a policy that looks after your best interests. That’s why our team assess dozens of insurance and protection providers to match the most appropriate products with your circumstances and budgetary requirements. We source quotes that are built around you to get the protection you need for your home.

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Income Protection Insurance

The inability to work, due to illness or injury, is likely to have a detrimental effect on your personal finances, particularly as a contractor. Recovering from such setbacks takes time, energy and focus. Qualities which are better spent trying to improve your health rather than worrying about your money. Income protection insurance will cover part of your salary and pay a monthly benefit should you ever need it. There’s different types of cover to suit different budget levels.

We can help you get the comprehensive income protection insurance you need to look after your finances in the event that you’re unable to earn due to illness or injury. After all, the team at Danbro Financial Planning are specialists in protection insurance and they’re on hand to talk you through what’s out there and find the right products to suit your circumstances.

Income Protection will usually pay up to 60% of your monthly income – up to your retirement date or the end of the policy term. If premiums stop, then cover will lapse.

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Critical Illness Cover

Many contractors take out life insurance to cover their family’s financial needs should the worst occur. But the financial, not to mention psychological, impact of a severe illness or long-term disability can be equally as shattering. So, if you’ve never thought about critical illness cover before, maybe now is a good time to start. Different policies cover different illnesses, with varying degrees of financial protection.

The quality of your cover is more important than the price. It can be complicated, but the dedicated team at Danbro Financial Planning are here to help you navigate the complexities. Our Insurance and Protection Specialists will take the time to listen to your worries and concerns, assess your lifestyle, medical history and other factors, and paint a detailed picture of the critical illness cover you need. And, as well as finding the right insurance and protection products and suppliers, your application will be taken care of too.

Plans may not cover all the definitions of a critical illness. The definitions vary between product providers. Critical Illness plans typically have no cash in value. If premiums stop, then cover will lapse.

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Life Insurance

Life insurance cover means different things to different people. Some simply want to pay off the rest of their mortgage. While others require more comprehensive cover, to ensure their family’s finances are taken care of after they’ve gone. From the length and flexibility of your cover to the amount you’re willing to invest, your life insurance policy should be designed around you.

Danbro Financial Planning want to help you get the appropriate level of life insurance cover from the most suitable provider. That’s it. With a level of care and guidance that you won’t get from any price comparison site, the team will conduct your life insurance application to help secure the future that you and your loved ones deserve.

Life Assurance plans typically have no cash in value at any time and cover will cease at the end of term. If premiums stop, then cover will lapse.

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Trusts, Wills, and Lasting Powers of Attorney

Placing life policies under trust ensures the right people get the proceeds of a life policy at the right time. Talk to Danbro Financial Planning today to ascertain whether this is something that’s suitable for you. If it is, our specialist team will make the necessary arrangements to write your protection under trust.

While DFP don’t provide direct advice on Wills or Lasting Powers of Attorney, decisions such as ‘who to leave your assets to’ are an important part of your long term protection planning. So, we can arrange referrals to solicitors and Will writers should you need pointing in the right direction.

The Financial Conduct Authority does not regulate Trusts Advice, Wills or Powers of Attorney services.

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We've Got You Covered

Danbro Financial Planning provide insurance and protection advice to contractors as and when you need it. Our team will work with you, discussing your circumstances – and your budget – and explaining the options available, before assessing the market to find the products and providers best suited to your needs.

All the providers we deal with are reputable, accredited, and have met our strict selection requirements. We assess the quality and transparency of their cover, as well as their claims record, financial strength, customer service, and the competitiveness of their rates. In short, we’ll find you the best solution, with the best provider, at the best price for you.

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