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Business Overhead Expense Insurance and Key Person Coverage

Protect income and operations with disability insurance for business owners. Discounted plans available for professionals and small business owners nationwide.
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What is Business Overhead Expense coverage

Business Overhead Expense insurance helps cover fixed business costs if you become disabled and cannot work.
It protects the business while you recover.

What expenses are covered

Typical covered expenses include:

  • Rent or mortgage
  • Employee salaries
  • Utilities
  • Equipment leases
  • Insurance premiums
  • Office expenses

Important: It does not replace your personal income. It keeps your business running.

Who should consider it

  • Business owners
  • Private practice physicians
  • Law firm partners
  • Consultants with office space
  • Founders with payroll obligations
If your business depends on you to generate revenue, this coverage is worth considering.

How long do benefits last

Most policies pay benefits for up to 12 or 24 months.
The goal is short term stability while you recover or transition.

How much does it cost

Cost depends on business size and monthly expenses.
Premiums are generally tax deductible as a business expense.

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