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Contractor Sickness Cover


Contractor Sickness Cover is an accident and sickness insurance policy that provides a monthly benefit in the event that the insured suffers a disease, sickness or bodily injury that prevents them from undertaking their normal occupation. 

  • Designed specifically for contractors
  • You don't need to provide proof of contract
  • You choose how much your policy pays out
  • Covers work offshore (excluding transit to/from an offshore installation by air or sea)

What is Contractor Sickness Insurance?

Our sickness insurance policy provides:

  1. A lump sum payment of £25,000 in the event of accidental death
  2. Monthly benefits ranging from £1,000 to £5,000 for every consecutive 30 days the insured is unable to undertake their normal occupation due to disability (as defined in the policy wording), with maximum 12 month benefit period

It is important to note that any claim arising from a pre-existing condition will not be covered by the contractor sickness insurance policy. We recommend that you read the full policy wording and summary of cover for all policy terms and conditions.


Excess Period:
30 days
Please see policy wording for full details



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When purchasing a product from our shop you will first be asked to register for an account. Once you have completed our online application form and made payment, you will be able to log into your account to view your policy documents or product information.

It is important that before deciding to purchase a Qdos product you consider whether the insurance is appropriate for you. 

You should read thoroughly all the product information we have made available to you, in particular the Specimen Policy Wording together with the Summary of Cover (Key Facts) before deciding to purchase your chosen product. These documents contain the full Policy Terms and Conditions. 

Please note that you are basing your purchase solely on your own interpretation of the information we have provided.

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