You need this
http://webportal.edgebenefits.com/product-disability
Everyone who plays hard or is self employed should have disability insurance. Even if you get in a car accident don't expect icbc to come running to the rescue or EI to last forever(poor Adam west).
My roommate has been living off this disability insurance for a year and a half waiting for a icbc settlement. Can pay out from 5 years to a life time.
Ride with peace of mind.