Keep Your Business Running When You Can’t
As a business owner, you are your company’s most critical asset. If illness or injury prevents you from working, who pays the rent, utilities, payroll, and loan payments? Business Overhead Expense insurance ensures your business survives and thrives during your recovery, protecting everything you’ve built from financial collapse.
Essential Business Protection:
- Fixed Expense Coverage – Monthly benefits cover rent, utilities, employee salaries, loan payments, and professional services
- Cash Flow Maintenance – Direct payments to you for covering business operating expenses during disability
- Employee Retention – Keep key staff members employed during your absence, preserving relationships and institutional knowledge
- Business Continuity – Maintain customer relationships and vendor agreements while you focus on recovery
Who Needs BOE Insurance: Solo practitioners like doctors, dentists, lawyers, small business owners, restaurant operators, and any business where the owner’s presence is critical to daily operations. If your business cannot survive 3-6 months without you, BOE insurance is essential protection.
Coverage Example: Dr. Johnson’s medical practice has $15,000 monthly overhead. After a back injury, she can’t work for six months. BOE insurance covers her office rent, staff salaries, equipment leases, and professional liability insurance, allowing her practice to remain viable until she returns to full capacity.