Short Term Disability Insurance for the Self-Employed
When you work for yourself, an injury or illness doesn't just sideline you—it stops your paycheck. Short-Term Disability coverage replaces 60-70% of your income for up to a period of 6 months, so you can focus on recovery instead of bills. That means rent, mortgage payments, utilities, and everyday essentials keep moving even while you're off your feet. No employer required—we help you tailor both the benefit period and payout to match your actual income, whether you're a contractor, freelancer, or small business owner. Personalized guidance across Pickens, Easley, Anderson, Greenville, and all of Upstate SC.
Built for People That Have No Employer Safety Net
This coverage is designed around your work, your income, and your situation. If you're self-employed in Upstate SC, you won't fit into a one-size-fits-all policy — and you shouldn't have to. Your income doesn't come from an employer; it comes from your ability to show up, do the work, and keep things running. That's why we build protection around your actual earnings and the specific risks of your business, whether that means a temporary illness, an injury, or a longer recovery. The goal is simple: keep your household steady and your business moving when you can't work.
Solo Freelancers
Writers, designers, developers, and consultants with one primary source of income to protect — if illness or injury keeps you from working, your entire livelihood stops. Disability insurance replaces 60–70% of your income so you can focus on recovery instead of draining savings or scrambling to cover bills.
Independent Contractors
Construction, trades, and delivery pros whose body is the business and whose income depends on showing up. One injury can stop the paychecks—without a plan, rent, tools, and family obligations pile up fast.
Gig Workers
Drivers, couriers, and platform workers who rely on every shift to pay the bills—and have no HR department or employer benefits to fall back on when an injury or illness keeps them off the road.
Small Business Owners
Owners whose paycheck depends entirely on the business staying healthy enough to keep cutting checks — even when revenue dips, a key employee goes down, or the unexpected hits.
Short-Term Disability Frequently Asked Questions for the Self-Employed
Straight answers about cost, waiting periods, and what short term disability covers for self-employed owners.
Get Your Short Term Disability Quote Today
Call 1-864-868-5194 to speak with Howard Shanley about a phone or in-home consultation in Pickens County. Independent advice the Upstate has trusted since 1999.