For the Self-Employed
Disability insurance that actually makes sense
Doug is a self-employed contractor who got hurt and had no income protection. Now he helps other self-employed Americans get covered before it's too late — for less than you think.
Get Started →Questions? Call Doug: (888) 919-7909
"I was self-employed for 12 years with zero coverage. Then I got hurt. Don't make my mistake — it takes 5 minutes to find out what you qualify for."
The Real Risk
You're one injury away from losing your income
When you work for yourself, there's no HR, no sick leave, and no safety net — unless you build one yourself.
Contractors & Trades
Physical work means real injury risk. A broken hand or bad back can take you out for months.
Freelancers
Even desk workers get sick. Cancer and heart disease don't only happen to other people.
Gig Workers
No Uber benefits here. If you can't drive or deliver, you don't earn. Simple as that.
Small Business Owners
Your business might survive without you. Your mortgage probably won't.
Real scenario
A self-employed electrician slips on ice and breaks his wrist. He's out 14 weeks. No income. Disability insurance would have covered 60% of his income the whole time.
Find out what you'd qualify for →Real scenario
A freelance designer is diagnosed with cancer at 42. Treatment takes 8 months. Without coverage she drains her savings. With it, she focuses on getting better.
Take the free assessment →The stats
1 in 4 workers experience a disability lasting 90+ days before retirement. The average disability lasts 31 months. Most self-employed Americans have zero coverage.
See what coverage costs →About Doug
I was you. Then I couldn't work.
"I was self-employed for 12 years and never thought I'd be the one who needed disability insurance. Then I got hurt on a job, and I realized I had nothing."
Three months unable to work. Savings disappearing. Bills piling up. I had to borrow from family. I almost lost my house.
The worst part? I could have had coverage for a few hundred dollars a month. I just never got around to it.
So I built Disability Doug — a free service that connects self-employed Americans with licensed pros who actually understand how self-employment works. No runaround, no pressure.
Take Doug's 5-Minute Assessment →Self-employed for 12 years. Learned the hard way. Now helping others avoid his mistake.
How It Works
So, how does it work?
Fill out the assessment and Doug automatically searches his network of licensed specialists to find the right match for your situation.
Take the Assessment
5 quick questions about your work and income. Not all coverage works for everyone — this helps Doug find the right fit.
Doug Finds Your Match
Based on your answers, Doug matches you with a licensed disability specialist who works with self-employed clients.
Get the Right Policy
Your specialist presents real options tailored to you. No pressure. You decide what fits your budget and situation.
Only Licensed Professionals
You're in good hands
Every specialist in Doug's network is vetted to make sure they hold up to the standard you deserve.
Highly Rated
Every specialist Doug works with is licensed and experienced with self-employed clients — not your average insurance broker.
In-Depth Matching
When you complete the assessment, Doug reviews your situation to find the professional best suited for your occupation and income.
Licensed & Certified
All professionals in Doug's network are state-licensed and authorized to sell disability insurance in your state.
Common Questions
Questions Doug gets all the time
When do I need disability insurance?
The best time is before you need it — meaning now, while you're healthy. Premiums go up with age and health changes, and you can't get covered after you're already hurt or sick.
Get Help →Does my age affect what I pay?
Yes — the younger and healthier you are, the lower your premiums. Your occupation and income also factor in. That's why a few minutes now saves you money later.
Get Help →How much coverage do I actually need?
There's no one-size-fits-all answer. A licensed specialist will look at your monthly expenses, income, and existing coverage to recommend the right benefit amount.
Get Help →Why do self-employed people need this more?
W-2 employees often get disability coverage through work. When you're self-employed, there's nothing. If you can't work, the bills don't stop — and nobody's coming to help.
Get Help →Get Started Today
It's probably more affordable than you think. Takes less than 5 minutes to find out.
Get Help →— or call Doug directly —
(888) 919-7909