Does trade work affect insurance underwriting?
Insurers can consider the specific duties, tools, travel and work environment. They assess each application individually.
Alberta · Ontario · British Columbia
Income protection for independent tradespeople
If you can't work, nothing comes in.
Hands-on work can depend on physical capacity and hours on the tools. We review what happens to household cash flow and existing protection if an injury or illness prevents you from working.
Start my free Risk AssessmentWhere your plan can be exposed
- No employer sick-pay bank may be available between jobs.
- Income can be directly tied to physical hours and completed work.
- Equipment, vehicle and household commitments can continue during recovery.
A clear, three-step review
- 01
Estimate income, savings, debt and business or household costs.
- 02
Review work duties, existing plans and the conditions that trigger benefits.
- 03
Compare eligible coverage options, exclusions and application requirements.
Coverage areas to explore
Income & Living Benefits
Critical illness, disability, hospitalization and life protection built around the income your household or business depends on.
Explore serviceGroup Benefits & Business Protection
Group benefits, HSA/WSA, overhead protection and ownership continuity for solo corporations, employers, startups and established businesses.
Explore serviceNewcomer & Everyday Coverage
Plain-language guidance on travel, health and dental coverage, including options for newcomers and people without a complete workplace plan.
Explore serviceQuestions and answers
Is critical illness protection the same as disability protection?
No. They have different claim triggers and payment structures. Contract definitions determine eligibility.
Next step
See where your protection and planning gaps may be
Coverage is subject to underwriting, policy terms and carrier approval. General information only, not financial, tax or legal advice.
General information only; not tax, legal or investment advice.