Why do tilers need income protection?
Knee injuries, back problems, and repetitive strain injuries are common among tilers. Income protection pays monthly benefits if you're unable to work, replacing the majority of your income while you recover. For self-employed tilers, this is an essential financial safety net.
How does income protection work for tilers?
Income protection 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, reach the policy end date, or die.
How much does income protection cost for tilers?
Tiling is usually Occupation Class 2 or 3 for income protection, reflecting the physical demands of the role. A healthy 35-year-old tiler looking for £1,500/month benefit typically pays £25–£55/month depending on the deferred period and occupation class.
Own occupation vs any occupation
Always aim for "own occupation" cover — this pays out if you cannot perform your specific job. "Any occupation" cover is much harder to claim on and is generally not recommended.
Frequently Asked Questions
Occupation class is a key pricing factor for income protection. Tiling is usually Occupation Class 2 or 3 for income protection, reflecting the physical demands of the role.
Long-term policies pay until you return to work or retire. Short-term policies (1–2 years per claim) are cheaper but provide less protection.
Yes — income protection is especially important if you're self-employed, as there is no employer sick pay to fall back on.