Why do security guards need income protection?
Security guards work long shifts, often standing for extended periods. Physical injuries, musculoskeletal conditions, and stress-related illness are common reasons for absence. Income protection pays monthly benefits if you're unable to work — covering your essential costs during recovery.
How does income protection work?
IP pays a monthly benefit — typically 50–70% of your gross income — if you're unable to work due to illness or injury. Payments continue until you return to work or reach the policy end date.
How much does IP cost for security guards?
Security guarding is typically Occupation Class 2 or 3 for income protection, depending on the specific role. A healthy 35-year-old can typically get £1,500/month of benefit for £25–£55/month depending on occupation class and deferred period.
Own occupation — always choose this
Always choose "own occupation" cover — it pays if you cannot do your specific job, not just any work.
Frequently Asked Questions
Occupation class is a key pricing factor for IP. Security guarding is typically Occupation Class 2 or 3 for income protection, depending on the specific role.
Yes — and it's especially important without employer sick pay. Cover is based on your net profit.