As a contractor or freelancer, you only get paid if you work. If you are ill or have an accident you can’t invoice your client. You can purchase accident and sickness policies to cover this risk, but what happens if you get selected for jury service?
You can claim some expenses whilst on jury service, but for a contractor on £400 it will still cause a severe loss in earnings.
Some insurers can cover this risk. Qdos Contractor have developed Jury Service & Legal Protection, which covers your daily rate whilst on jury service as well as up to £50,000 cover for other legal expenses which a Contractor could face.