Cover Your Business Overhead While Your Out

    The business overhead expense (BOE) disability coverage will protect your business in the event you suffer from a prolonged illness or injury.  Knowing the business you’ve built — that relies on your guidance and expertise each day — will survive intact while you recover is a great relief.  

    Don’t waste all those years of building relationships with your best people and clients.

    A BOE policy typically covers:

    • Rent
    • Interest payments on outstanding eligible business debts
    • Utilities (heat, water, telephone, electricity, etc.)
    • Non-attorney employees’ salaries and payroll taxes
    • Postage and stationery
    • Equipment maintenance
    • Rental, lease, or depreciation of office equipment
    • Monthly average of taxes on the premises
    • Insurance premiums for Workers’ Compensation, Employee Medical Plans, Employee Taxes, General Liability, Professional Liability/Malpractice
    • Accounting fees
    • Professional memberships and/or subscription dues.

    These are paid monthly and based on actual expenses.  If your business relies on one or a few people for its revenue, this is a key financial defense to have in place