When you're running a business, your income doesn’t just support you—it supports your company, your team, and everything you’ve built. If a medical condition or injury temporarily prevents you from working, business overhead expense insurance helps cover your day-to-day business expenses so operations can continue while you recover. This coverage ensures that even when you’re down, your business stays up and running.
Frequently Asked Questions
What does business overhead expense insurance cover?
It reimburses your business for fixed monthly expenses like rent, utilities, payroll for non-revenue-generating employees, insurance premiums, and more during a qualifying disability.
How long do benefits last?
Most policies cover expenses for up to 12, 18, or 24 months, depending on your plan and your needs.
Does this insurance replace personal income?
No, this coverage is strictly for business expenses. For personal income protection, consider individual disability insurance.
Who needs business overhead expense insurance?
This is ideal for business owners, especially those in solo or small practices—like medical professionals, consultants, or self-employed service providers—whose ability to work directly impacts their operations.
Can this coverage be combined with other disability policies?
Yes. It’s commonly paired with personal disability insurance to ensure both your business and your lifestyle are protected.
Why it Matters
If you're a business owner, your ability to work often determines whether the lights stay on. Rent, insurance, and salaries don’t pause when you do. Business overhead expense insurance bridges that gap, helping cover essential costs while you recover. It gives you the flexibility to focus on your health without rushing back to work or draining your reserves. It also protects your team, your reputation, and the long-term stability of your business.
Who It's For
This coverage is built for entrepreneurs, solo practitioners, and small business owners who carry the weight of their company’s operations. If your absence would interrupt business cash flow or jeopardize operations, this policy helps prevent setbacks and protects what you’ve worked so hard to build. Whether you're a physician, attorney, CPA, or contractor, this protection keeps your business running until you’re ready to return.
Keep Your Business Running
A disability doesn’t have to disrupt your business. Business overhead expense insurance gives you the financial support to maintain operations, protect your team, and preserve your reputation—all while you recover on your terms.
