A question for the O/Ds amongst us. Do any of you have any form of personal injury / accident insurance in place?
Say you get injured (not at work or in a work related place) and cannot work for two or three months due to the nature of your injury (broken arm or leg for example), would you be covered for financial loss? Would you get a lump sum payment or monthly payment over a pre set period of time?
Having spoken to some friends / colleagues who are also self employed and run there own small businesses, sole traders etc, I was surprised buy the amount that did not have any insurance in place, preferring to take a chance. It doesn’t help that any such policies are not a legitimate tax deductible business expense!! 
I don’t but I know that I should.