Business Overhead Expense (BOE) Insurance

Designed for self-employed business owners who generate all the firm’s sales and revenues, and who are involved in the day-to-day operations of the business. Purchased in conjunction with Long Term Disability benefits, BOE is an expense reimbursement policy which pays an insured’s business expenses while they are disabled.

• Available in units of $100 from $500 - $2,000 of monthly coverage.
• Benefits start the 31st day of an accident or illness, for up to 18 months.
• Orthodontic services are available to firms with 10 or more employees.
• Eligible expenses include business rent or mortgage, utilities, business taxes and licenses, equipment and corporate car leases, professional services (e.g., accounting), and salaries of personnel who do not generate income and whose services are essential during the insured’s disability.

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