Business Overhead Expense Insurance is a specialized policy designed to help small business owners cover ongoing business expenses if they become disabled or unable to work due to illness or injury. It ensures that essential operating costs—such as rent, utilities, employee salaries, loan payments, and office supplies—continue to be paid, keeping the business running smoothly while the owner recovers.

Benefits of BOE Insurance

Covers Essential Expenses

Helps pay rent, utilities, salaries, and other necessary business costs during disability.

Business Continuity

Prevents disruption in operations, ensuring the business can continue to function.

Protects Personal Finances

Keeps owners from using personal savings to cover business expenses.

Peace of Mind

Reduces stress, knowing the business can survive financial setbacks caused by illness or injury.

Flexible Coverage

Can be tailored to match business size, expense levels, and owner needs.

Short-Term Relief

Typically covers expenses for a set period (e.g., 12–24 months) while the owner recovers.