Only a small number of insurers will offer income protection if you have been self-employed for less than 12 months, and thankfully we know who they are! Of those who will offer cover, generally they will use your average monthly earnings from the start date of your policy through to the date of your claim. As most people will not have completed tax returns or financial reports during the first 12 months the insurers will allow alternative methods of proving your income, such as client invoices, contracts or BAS