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Business Overhead Insurance

What is Business Overhead Insurance?

A Business Overhead Expense (BOE) disability insurance policy reimburses business owners for existing overhead expenses incurred while they are disabled, keeping the company up and running while the owner recovers.


Regular expenses that could be covered under a BOE policy include employee salaries, rent, leases and utilities to name a few. And BOE premiums are generally tax deductible as a business expense.


A business owner can also customize the BOE policy, at an additional cost, to help meet specific needs. It can help reimburse the company for the salary of an owner’s temporary replacement, and/or provide an additional benefit to the owner to help with their personal income loss.

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