Personal insurance and benefits for independent workers.


Disability Insurance

If you’re an independent contractor or running a small business, disability insurance is likely super important to your work-life world. Why? If you become sick or injured and can’t work for some time (and it’s confirmed by a doctor) disability is designed to cover up to about 60% of your paycheck or income. That’s why it’s sometimes nicknamed “paycheck protection.” Basically, disability insurance for independent contractors is designed to help make ends meet until you get back on your feet.

Accident Insurance

$18.33 / month for individuals
$33.33 / month for family

If you have an injury from an unexpected accident — big or small, in work or life — accident insurance might just be your most unexpected hero. Accident insurance works by paying you directly (not your doctor’s office) so you can use the money as you need to. Self-employed individuals can use accident insurance to pay business or household bills, food and gas, or medical expenses like co-pays. You decide!

Life Insurance

Why should you think about life insurance? It’s one way to rest easy knowing the people in your life will receive financial assistance in the event of your passing. Life insurance is particularly important in the prime adult years of your life, because these years are often the most expensive for the people you love. Life insurance can provide them with the financial means to help with costs like cars, mortgages, college, everyday living, and even funeral expenses.

Well-Being Discount Plan

Under a well-being discount plan, the cost of getting medical care is not as prohibitive. Discount plan members can access savings on medical services, such as dental visits, eye exams, and hearing aid purchases. It’s not health insurance, but it can reduce your out-of-pocket costs when visiting physicians or specialists. A bonus is that you also get access to a network of professional health providers.

Safeguard Discount Plan

Having a safeguard discount plan is like having a team of experts on speed dial. For help abroad or on the open road, with your personal identity or your relationships, this safeguard discount plan connects you with professional providers who may offer advice and/or treatment for your predicament. There’s no need to try to solve big, complex issues on your own, and because of the discounts you get for being a member, you don’t have to empty your wallet, either.

Because life’s troubles shouldn’t slow you down.

Do you know which personal insurance policies are right for you? Whether you do or you don’t, we can help. Let’s go >

You don’t work for a big corporation, but you do want to protect what you’ve built.  Woligo helps self-employed pros and small business bosses like you get access to the coverage you want, without all the complicated jargon. If you’re wondering what personal insurance even is, or what benefits can be included, think of us as your personal virtual HR department (but cooler). We’ll walk you through everything you need to know to keep on enjoying that work-life balance you’ve built.