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Business Overhead Expense

What is 
Business Overhead Expense

BOE insurance reimburses your business for essential monthly expenses if you, the owner, become temporarily disabled. It ensures your business stays afloat while you're unable to work. 


This is especially critical for solo practitioners or small operations where the owner is both operator and revenue driver.

What it Covers?

It has monthly reimbursements for short benefit periods (typically 12–24 months): 

  • Rent or lease payments 

  • Employee salaries 

  • Office supplies and equipment 

  • Accounting or admin support

Who Is It For?

  • Self-employed professionals (doctors, dentists, consultants) 

  • Small business owners without a backup operator 

  • Entrepreneurs who need to protect cash flow if health interrupts operations

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