Income protection when your body is your business

For a jockey, the body is the business. One fall can interrupt income, change riding opportunities, or end a career. Protection is therefore not a peripheral product — it sits at the centre of a sensible private-office plan.

What to review

Look at injury cover, income protection, career-ending cover, life cover and critical illness in the round. Check waiting periods, definitions, exclusions and whether cover still matches your current earnings and family commitments.

Also check the practical side: who is the owner of the policy, are premiums sustainable through quieter months, and would a claim actually replace enough income to hold the household and mortgage position together?

Do it before you need it

Cover is hardest to arrange when health has already changed. An annual protection review — while you are fit and riding — is one of the highest-value habits in racing financial life.