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Disability insurance covers you against accidents that can prevent you from working in the future. I recommend trying to get this as early as possible. It’s not an easy thing to get for a solo entrepreneur and in some cases it can be cost prohibitive. If you are able to get disability insurance, and you can budget for it, it’s a good idea. If nothing more than for the peace of mind it will bring while you are building your business. It provides you with a safety net in the event that something unforeseen should happen.

Many insurance companies have stringent rules and requirements for their applicants and not all people are eligible. The sooner you can get disability insurance the better. If you wait for a while before applying, your circumstances may change and your ability to get this type of insurance might be severely affected. Talk to your insurance broker regarding all the products and services they offer. They may even be able to offer you an incentive or price reduction if you use them for both your home and office insurance policies.

You can also inquire with local or national professional design associations to see if they offer members access to these kinds of insurance. It may be well worth it to become a member just to have access to this type of insurance.