Supplemental Cash Insurance for Construction Subcontractors
There's no GC-provided sick pay when a fall, a strain, or a bad diagnosis takes an independent subcontractor off the job site. Supplemental insurance pays cash benefits directly to you, not to doctors or hospitals, so your mortgage and truck payment still get made while you're between jobs and recovering.
Types of Supplemental Insurance We Offer
Critical Illness Insurance
A critical illness policy pays you a lump-sum cash benefit upon the first diagnosis of a covered condition. Common covered illnesses include heart attack, stroke, cancer (most types), organ failure requiring transplant, end-stage renal disease, paralysis and major neurological events, and coma. You can use the cash benefit for anything - medical deductibles, home care, travel for treatment, lost income, or everyday bills while you're off the job.
Accident Insurance
Accident insurance pays scheduled cash benefits when you're injured in a covered accident - regardless of what your health insurance pays. Benefits are triggered by ER visits, hospital admission after an accident, fractures, dislocations, burns, concussions, internal injuries, ambulance transport, and physical therapy following a jobsite injury. This is one of the most commonly requested plans among framers, roofers, and concrete crews.
Hospital Indemnity Insurance
Hospital indemnity plans pay a fixed daily cash benefit for every day you're hospitalized, plus additional benefits for ICU admission, surgery, and outpatient procedures. This benefit helps offset health insurance deductibles and out-of-pocket costs that can add up quickly during an extended hospitalization while you can't be on a jobsite.
Cancer Insurance
Cancer insurance is a specialized critical illness product that focuses exclusively on cancer diagnosis, treatment, and recovery. Benefits can include lump-sum diagnosis benefits, chemotherapy and radiation benefits, transportation and lodging reimbursements for treatment, and recovery care support - a layer of protection some subs add given the physical demands of the trade.
Short-Term Disability Insurance
If illness or injury prevents you from working, short-term disability insurance replaces a portion of your income during the recovery period. For self-employed subcontractors without an employer disability plan behind them, this is often the closest thing to paid sick leave a 1099 sub can get.
Who Needs Supplemental Insurance?
- 1099 subs with high-deductible health plans (HDHPs) and a meaningful deductible to cover
- Independent subcontractors without paid sick leave or disability benefits from any GC
- Households where the subcontractor is the primary earner
- Anyone with a personal or family history of heart disease, cancer, or stroke
- Anyone working a physically demanding trade - framing, roofing, concrete, demo
- Anyone who couldn't cover several months of expenses from savings if a job-site injury sidelined them
What Does Supplemental Insurance Cost?
Most supplemental plans are priced far below the financial risk they protect against. Exact premiums depend on your age, trade, and the benefit amount you choose - your Sub Pro Health agent will walk through real numbers for accident, critical illness, hospital indemnity, cancer, and short-term disability coverage as part of your free quote.
Ready to see your options?
Answer a few quick questions and a licensed advisor will email your personalized plan options within one business hour. 100% free, no obligation.