Keep Your Doors Open
When You Can't Work

Business Overhead Expense (BOE) Insurance covers your fixed business costs — rent, salaries, utilities, and loan payments — while you recover from a disability and can't actively run your business.

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Rent & Utilities

Covers your office or clinic rent and monthly utilities.

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Staff Salaries

Keeps your team paid while you recover.

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Loan Payments

Business loans and equipment leases remain current.

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Up to 24 Months

Benefit period typically lasts 12–24 months of recovery.

Why BOE Insurance

Your business bills don't stop
when you can't work

A solo practitioner or small business owner who becomes disabled faces a double financial hit — lost personal income AND ongoing business expenses. BOE Insurance covers the business side, giving you time to recover without losing everything you've built.

24mo

Max Coverage Period

100%

Fixed Costs Covered

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Commercial Rent

Monthly office, clinic, or studio rent paid during your recovery.

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Employee Wages

Keep your staff on payroll — retain your team for when you return.

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Utilities & Insurance

All fixed operating costs: utilities, business insurance, subscriptions.

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Loan Repayments

Business loans and equipment financing remain in good standing.

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Accounting Fees

Ongoing professional fees and bookkeeping costs covered.

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Fast Benefit Onset

Short elimination periods — benefits can start within 30–90 days.

Your business is too valuable to risk — BOE insurance keeps it alive while you heal.

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Keep Your Doors Open When You Can't Work

Your business bills don't stop when you can't work

Keep Your Doors Open
When You Can't Work

Your business bills don't stop
when you can't work