If that was to happen to you, the bills would pile up quickly. Your business could suffer severe damage as well. And even worse - all your hard work and effort would go down the drain! We got it covered with Hustlecover. It's designed specifically for self employed people who can't afford not being able to work because of illness or injury. The premiums are affordable and it takes only 30 seconds to protect yourself. It would be silly not to. You wouldn't drive your car without insurance, why would you be self employed without protecting you? ;)