If you are self-employed, an accident could mean a total loss of income. An personal accident insurance provides financial stability when you need it most.

Why is a personal accident insurance for self-employed people?

Unlike employees, you do not have:

• Guaranteed pay in the event of sick leave 
• Automatic company protection
• Financial security in the event of an accident

👉 A simple accident can bring your income to a complete standstill.

What should personal accident insurance for self-employed people cover?

✔️ Daily disability allowance

You’ll receive a fixed amount for each day you’re unable to work due to an accident, helping to balance your household budget whilst you recover. 

✔️ Permanent disability

It protects your future in serious situations. If an accident results in permanent disability, you are guaranteed financial compensation that is crucial for adapting your life and your business. 

✔️ Treatment costs

Avoid high costs in private healthcare. This cover guarantees reimbursement or direct payment for consultations, tests, operations or physiotherapy sessions required for your full recovery. 

✔️ 24-hour coverage

Protection both at work and outside work.

Real-life examples

🔹 Construction professional

If you are unable to work due to an accident outside work, you will receive a daily allowance.

🔹 Freelancer

Accident at home → medical expenses covered.

🔹 Specialist technician

Partial disability → proportional compensation.

(H2) How much does a s cost?personal accident insurance for self-employed workers?

It depends on:

• Age
• Profession
• Risk associated with the activity
• Selected covers

👉 The amount is tailored to your profile.

How do you choose the best insurance?

• Assess the risks associated with your business
• Choose comprehensive cover
• Defines adequate capital
• Compare various options

👉 CJ Seguros helps you find the best solution.

Is it worth it?

Yes, personal accident insurance for the self-employed is practically compulsory.

👉 Protect your income – your business is your security.