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You may be earning more than you would work for someone else, but what if you get sick? Or are in an accident that leaves you without the ability to earn an income either temporarily or permanently? You will likely have a number of medical expenses, personal expenses and you may not find your accounts payable are as patient as you had hoped. Here is where a well structured disability insurance plan can create a safety net, allowing you to concentrate on returning to good health and take the time away from work that you need.

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While most business owners in their 40's and 50's are more conscious of their own mortality, there has been a marked increase in the number of entrepreneurs starting their own companies in their 20's and 30's. While encouraging for the economy it is important not to forget about the benefits and importance of a well structured disability plan.

A simple question you can ask yourself is: How do you plan to live if you can't earn an income? Or more accurately, how will you support your dependents, pay your staff, or pay your business overhead if you can no longer earn an income?

What is your experience on RIB's?

Some insurers will allow a small premium discount if you are an experienced skipper. By experienced this is usually taken to mean more than 5 years with RIB's. If you have less than 5 years' experience then be prepared to have your premium loaded - over 2 years' experience but under 5 would typically attract a load of 5% to the basic premium. Under 2 years and it could start to get painful; under 1 and you start to find insurers who will not even offer a quotation and others who will - but with a significant premium increase.

You're Qualifications?

The Royal Yachting Association (RYA) has recognised training centres worldwide. If you invest in getting appropriate RYA qualifications - such as Powerboat Levels 1&2 - there may be a premium discount.

No Claims have occurred?

Typically, insurers will allow a 5% discount per year up to a maximum of 5 if you have held boat insurance and made no claims but it is possible to find insurers offering larger discounts in certain circumstances.

Covering Personal Possessions & Accessories

Trailers, inflatables and other accessories used with your RIB can be added to your schedule of cover - there will usually be an additional premium charged. Check your policy documentation for terms and conditions relating to use, security and storage of these items.