Business Overhead Expense Disability Insurance

If you are a small business owner, your business is dependent on you to keep the lights on, pay employees’ salaries, and meet a host of other expenses. If you were to become disabled, Business Overhead Expense Disability Insurance would help with a variety of expenses:

  • Rent
  • Utilities
  • Employees’ salaries
  • Payroll taxes
  • Insurance premiums for Worker’s Comp, employee medical, and liability
  • Equipment Maintenance

Group Short-Term and Long-Term Disability

These plans can be surprisingly affordable and can make an important difference in the lives of your employees during times of disability.

Individual Disability

Among your many assets, your ability to continue earning an income is perhaps the most important. If you or your working spouse were to become disabled, there is a good chance you’d need an alternate source of income to meet your financial responsibilities. Disability insurance helps to protect you against the unexpected by providing income replacement while you recover. Although often overlooked, the income protection that disability insurance provides is an important part of sound financial planning.