Business Overhead Expense Insurance

Ensure your business will continue to operate if you are unable to work due to an accident or illness.
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What is Business Overhead Expense Insurance?

Business Overhead Expense insurance covers the fixed monthly overhead expenses required to keep a business viable should the insured become disabled. This allows business operations to continue until the insured owner either returns to work or makes a decision regarding the future of the business.

Eligible expenses are those normally incurred in operating the business or practice, such as salaries, rent, leases, and business taxes, and are paid on a reimbursement basis.

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Pay Salaries

Pay salaries to retain valuable employees and keep your business running

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Pay Expenses

Cover ongoing fixed expenses such as rent, property taxes and utilities

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Stay Operating

Being able to pay ongoing costs enables the business to continue operation in your absence.

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Business Overhead Expense Insurance is a good fit when:

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The business is at risk of not surviving should the principle owner(s) become disabled

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The business has operational expenses that will continue regardless of whether the principle is generating revenue

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You are a physician, lawyer, accountant or principal/owner of a closely held business or practice

How does Business Overhead Expense Insurance benefit me?

If your business depends on your ability to generate income to help pay the bills, your absence due to a long or short-term disability would impact the bottom line, possibly leading to lay-offs or even closing the business.

That's why there is business overhead expense insurance.

It's designed for businesses with owners/partners who actively generate income (such as engineers, dentists, lawyers, accountants, and physicians) to help pay ongoing expenses.

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Get in touch

Send us a message and we'll get back to you within 1-2 business days.

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