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Business Overhead Expense (BoE) Insurance

Keep Your Business Running—Even If You Can’t

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Protect Your Daily Operations

BoE insurance covers your critical expenses during a disability.

If you become disabled, your business doesn’t pause—it still has bills to pay. Business Overhead Expense (BoE) insurance ensures essential costs like rent, salaries, and utilities are covered if you can’t work due to illness or injury.

At Herbert Financial, we help business owners secure BoE policies that preserve operations and protect hard-earned progress. This policy bridges the gap between personal disability coverage and business continuity. It’s ideal for solo practitioners, small business owners, and professionals with fixed monthly expenses. Don’t let a temporary disability create a permanent business problem—we’ll help you stay protected.

What is Business Overhead Expense Insurance?

Business Overhead Expense (BoE) insurance is a type of disability policy designed to cover fixed monthly expenses when a business owner is unable to work due to a disabling event. Covered expenses typically include rent, payroll, utilities, insurance premiums, and loan payments.

Unlike personal disability insurance, which replaces lost income, BoE ensures the business itself can keep operating while the owner recovers. Policies often have shorter benefit periods—usually 12 to 24 months—matching the time it takes for an owner to return or establish a plan. It’s a practical solution for maintaining business solvency and employee security during unforeseen disruptions.

Fixed Expense Coverage

Pays rent, salaries, and utilities.

Solo Practitioner Coverage

Ideal for dentists, doctors, or consultants.

Short-Term Benefit Period

Supports businesses during recovery phase.

Owner Disability Protection

Keeps business afloat if leadership is out.

Service Benefits

A short-term disability can still trigger long-term financial strain if your business expenses go unpaid. Without protection, operations may stall, employees may leave, and reputations may suffer. Herbert Financial sets up BoE insurance that keeps your business stable, secure, and ready for your return.
  • Cover operating costs during disability
  • Prevent business disruption or shutdown
  • Protect staff salaries and office expenses
  • Buy critical recovery time without financial loss
Let’s make sure your business stays open—no matter what.

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