10 Protection Partner Article Self employed clients Self employed people are normally driven by work. After all, they’re invested in the success of their business. While being selfemployed can have its’ benefits, it comes with its own unique risks. No employer sick pay. Limited state support. If they can’t work, income can drop to zero very quickly. This is explored in our research: • 1 in 5 self-employed workers would have to continue working through illness or injury to make ends meet. • 22% would last less than a month without their income. • Over a quarter have less than £1,000 saved. You can open the conversation up to this specific client by talking about business and lifestyle, not just “insurance”. Consider asking your client: “If you couldn’t work for a few months, how long could you keep up with the bills at home and the commitments in the business?” This helps to focus the discussion for what the impact would be for them. For this client, you’re helping them protect what they’ve built, so a short term illness doesn’t become a long term financial setback. Resources to make it personal Reaching Resilience is packed with insights to help you tailor how you deliver your advice. It gives you a good starting point to understanding your client’s mindset, and although each client you encounter has their own unique requirements for protection, it’s a good indication of where you can focus the conversation. Explore the Reaching Resilience hub for the full report and other handy resources to help you position protection. Unless stated otherwise, the data used comes from a survey of 2,535 nationally representative UK workers conducted for LV= by Opinium between 28 October 2025 and 7 November 2025.
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