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Disability Income

Disability Overhead Expense

A disabling illness or injury can occur without warning - as suddenly as an automobile accident or as simply as a slip in the shower. It can keep your client from working for weeks, maybe months. But it doesn't have to disable their business.

With a Disability Overhead Expense insurance plan, your client will have peace of mind in knowing that their business expenses will be provided for while they tend to the business of getting well. During a period of total or partial disability, the plan would reimburse them for the customary expenses up to the limits stated in the policy, of operating a business away from their home.

Some covered expenses include:

  • Lease or Mortgage Payments
  • Employee salaries
  • Utilities
  • Fees for ancillary services
  • Payments for equipment, furniture and supplies
  • Property and liability insurance
  • Laundry and maintenance services
  • Taxes
  • Salary for temporary replacement of insured

An overhead expense insurance plan provides help to maintain your business when you need it most-when you are unable to generate the necessary revenue to keep your business open due to a disabling injury or sickness.

Wide range of valuable features and benefits:

  • Guaranteed premiums
  • Noncancellable and guaranteed renewable until age 65 and conditionally renewable thereafter