Your Truck.
Your Tools.
What About Your Paycheck?
One injury. One illness. That's all it takes to stop your income dead — while your mortgage, truck payment, and crew don't pause for a second. Contractor disability insurance replaces your paycheck so you can heal without losing everything.
No doctor visit · No obligation · Instant approval available
No Work = No Pay.
The Bills Don't Know That.
Unlike W-2 employees, self-employed contractors and 1099 workers don't get sick days or a paycheck while they're laid up. One bad fall, one surgery, one serious diagnosis — and the income stops cold.
Mortgage & Rent
The bank doesn't care that you're in physical therapy. Your mortgage is due on the 1st regardless.
Truck & Equipment Payments
Your work truck doesn't stop needing payments while you're recovering from an injury or illness.
Family Expenses
Groceries, utilities, school costs — they don't pause because you took a fall on a job site.
Medical Bills Piling Up
While your income drops to zero, medical costs are climbing at the same time. A double punch you can't absorb.
The Income You'd Lose
Without Coverage
Enter your weekly take-home pay to see exactly what's on the line if you can't work.
Get Covered in 4 Steps
No medical exams, no long paperwork. Most contractors get approved the same day.
Request Your Free Quote
Takes 60 seconds. Tell us your trade, income, and how much coverage you need. Zero obligation — no card required.
We Shop the Top Carriers
We compare multiple top-rated insurance companies and bring you the best fit for your trade and budget.
Choose Your Coverage Amount
Pick the disability plan that matches your monthly bills. Flexible benefit amounts and premium levels.
Get Paid When You Can't Work
If injury or illness sidelines you, file a claim and receive your benefit check — so you focus on healing, not the bills.
1099 Disability Insurance
Built for the Trades
If you work with your hands and your income stops when you stop, this coverage was built for you.
90+ days before retirement
for most tradespeople
no-obligation quote
They Thought It Wouldn't
Happen to Them Either
"I broke my wrist on a job in March. Couldn't swing a wrench for 10 weeks. The disability check kept my mortgage paid while I healed. Best money I ever spent."
"A serious back injury kept me off job sites for 3 months. I thought I was going to lose everything. The coverage let me focus on physical therapy instead of panicking about bills."
Contractor Disability Insurance
— Quick Answers
Stop Running
Without a Safety Net.
Takes 60 seconds. No obligation. No doctor visit. Just real income protection built for the trades.
Get My Free Disability Insurance QuoteLicensed in WA · OR · ID · AZ · CA · FL · TN · TX