Keep the Doors Open
Pays eligible overhead like rent, utilities, phone/internet, and insurance premiums when a covered disability sidelines the owner.
Keep Your Business Running, Even If You Can’t Work
Protect your business from financial strain when illness or injury keeps you sidelined
Keep Your Business Running, Even If You Can’t Work
Protect your business from financial strain when illness or injury keeps you sidelined.
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What is Business Overhead Disability Income Insurance?
Business Overhead Disability Income Insurance (often called Business Overhead Expense, or BOE Insurance) is a special type of disability insurance designed for business owners. Unlike personal disability insurance, which replaces your personal income, BOE insurance pays for your business’s fixed operating expenses if you become too sick or injured to work.
Why Business Overhead Expense (BOE) Insurance Matters
Payroll & Bills, Not Profits
Designed to reimburse business expenses—not personal income. Think staff wages (non-owner), lease payments, loans, and professional fees.
Buys Time to Decide
Short elimination periods and monthly benefits help you stabilize operations while you recover—or plan a temporary hire or orderly transition.
Own Occupation Rider
Extends the definition of total disability to your specific occupation for up to 5 years or the full benefit period.
Residual Disability Benefit Rider
Provides partial benefits if you're able to work part-time due to a disability, based on income loss.
Catastrophic Disability Benefit Rider
Offers additional benefits if you suffer a severe disability, such as loss of two or more ADLs or cognitive impairment.
Critical Illness Benefit Rider
Pays a lump sum upon first diagnosis of specified critical illnesses like cancer, heart attack, or stroke.
Guaranteed Insurability Rider
Allows you to increase your coverage amount at specified times without additional medical underwriting.
Return of Premium Rider
Refunds a portion of premiums paid if the policy is canceled, lapses, or upon reaching age 65.
Automatic Benefit Increase Rider
Automatically increases your monthly benefit by 5% annually during the benefit period, up to double the original amount.
Non-Cancelable Rider
Guarantees that premiums cannot be increased and coverage cannot be canceled by the insurer up to age 65.
Waiver of Premium Benefit
Waives premium payments during periods of total disability.
Who Benefits from Business Overhead Expense (BOE) Insurance?
If you can’t work for a bit, BOE keeps the lights on—rent, payroll, utilities—so the business survives while you recover. Click a tile to see who wins with BOE in place.
Solo Owners & Partners
Covers fixed expenses when the person who signs the checks can’t work.
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- Reimburses eligible overhead (rent, utilities, employee wages, payroll taxes, insurance premiums, leases).
- Does not insure your personal income—that’s what individual DI is for.
Small Clinics & Professional Practices
Keeps practice overhead paid while the provider is out.
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- Good fit for MD/DDS/DC/CPA/JD firms with high fixed costs and patient/client flow risk.
- Prevents forced layoffs or fire-sale of equipment during a short disability.
Startups & Growth-Stage Firms
Protects runway when lease, loans, and software bills don’t stop.
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- Reimburses actual eligible expenses up to the monthly max; unused benefits don’t carry over (plan-specific).
- Helps meet lender/landlord expectations if the founder is temporarily out.
Key-Rainmaker Dependent Firms
Buys time to hire locum/contract help without blowing cash flow.
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- Can cover temp staff costs that keep production moving (policy-specific eligibility).
- Pairs well with Key Person and Buy-Sell coverage for broader continuity.
Self-Employed Professionals and Gig Workers
These individuals don’t have employer-sponsored benefits like sick leave or long-term disability coverage. A single illness or accident could interrupt their income stream entirely.
Small Business Owners
If the business depends on the owner's day-to-day involvement, their disability could shut down operations. Business Overhead Expense (BOE) policies can protect business continuity while personal DII covers their income
W-2 Employees Without Group Disability Benefits
Many employers don’t offer any disability insurance. If your employer does, it often only covers a fraction of your income or is limited to short-term plans. Supplemental individual coverage fills the gap.
Primary Income Earners
Households that rely on one person’s income need disability insurance to prevent financial instability if that person becomes ill or injured
Parents With Young Children
Parents must maintain financial stability for dependents. DII ensures that tuition, groceries, and housing can continue even during recovery.
New Graduates and Young Professionals
The younger you are, the lower your premiums. Locking in a policy early helps avoid future underwriting issues and secures income as your career grows.
People With Existing Health Conditions
If you're managing a chronic condition but still working full time, getting DII now could be vital before conditions progress and disqualify you.
Individuals With High Debt Obligations
If you have mortgages, student loans, or car payments, DII ensures you can keep up with these obligations even without work.
Caregivers or Homemakers
While they may not have a formal paycheck, losing their ability to contribute services like child care, meal prep, or elder care creates real economic strain. DII helps cover substitute care or lost services.
Anyone Without 6+ Months of Emergency Savings
Most people don’t have enough savings to cover prolonged medical leave. Disability insurance provides ongoing support that savings alone cannot.
Key Features of BOE (Business Overhead Expense) Insurance
Keep the lights on while you’re out. BOE reimburses your fixed business bills if a covered disability sidelines you.
Covers Your Fixed Business Bills
Reimburses eligible expenses so your doors stay open during your disability.
Short Benefit Period
Designed to bridge 12–24 months while you recover or transition.
Built for Owners & Key Pros
Protects the business—not your personal paycheck—when the owner is disabled.
Practical Tax & Claims Basics
Straightforward to administer with monthly proofs of expense.
How Does BOE Disability Income Insurance Work?
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Illness or Injury
You experience a condition that prevents you from working.
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Waiting / Elimination Period
Benefits begin after your policy’s waiting period.
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Monthly Reimbursement
Policy reimburses eligible overhead expenses up to your benefit limit.
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Coverage Continues
Payments continue until you recover or the benefit period ends.
Note: BOE reimburses eligible fixed business expenses (e.g., rent, utilities, insurance)—not personal income. Terms, limits, and state availability vary by insurer. We’ll help you compare.
Why Choose OnePoint
Expert Guidance, Personalized Solutions
Service in Multiple states Across the US.
Tailored plans for small, mid-size, and large businesses.
Dedicated claims support for employees.
What’s Included in Your Plan?
What Does Your Disability Insurance Include?
Not all disabilities are total, and not all income protection is the same.
Monthly Benefit Amounts: $500–$10,000+
Elimination Period Options: 30, 60, 90, 180 days
Benefit Duration: 6 months up to agee 67 years
Partial Disability Benefit: Receive income even if you return part-time
Non-Cancelable Option: Lock in pricing long term
Optional Riders: Cost of Living Adjustments, Student Loan Repayment, Return of Premium
Common Misconceptions
But doesn't my Job Offer this already?
Despite its importance, many people delay or dismiss disability coverage due to misinformation. Below is a comparison of common myths versus the actual facts
Disability Insurance: Misconception vs. Reality
| Misconception | Reality |
|---|
Ask us to help design a policy that works for your occupation and budget.
Bundle and Maximize Your Benefits
Combine Disability Insurance with:
Hospital Indemnity (up to $2,000/day)
Critical Illness ($10,000–$100,000)
Accident Insurance (ER, surgery, AD&D)
Dental & Vision Coverage
We'll build a custom package for your health, income, and lifestyle goals.
Learn with OnePoint
Real answers. Straight talk. Insurance made simple.
OnePoint, we believe every client deserves to understand what they’re paying for. Whether you're insuring your car, protecting your home, covering your family, or planning for retirement, we're here to help you make smart, confident choices.
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Learn About Disability Insurance
Combine Disability Insurance with:
What Is Disability Income Insurance and How Does It Work?
Understand the purpose of disability insurance, how benefits are triggered, and why it's essential for income protection
Difference Between Short-Term and Long-Term Disability Coverage
Learn how coverage length, waiting periods, and benefit amounts differ and which suits your lifestyle
How Disability Insurance Complements Major Medical and Life Insurance
Discover how DII fills the income gap while medical insurance handles healthcare costs.
Why Self-Employed and Gig Workers Need Disability Coverage More Than Ever
Explore how independent contractors protect their earnings without an employer safety net.
What Is a Business Overhead Expense (BOE) Policy and Who Should Consider It?
Learn how BOE insurance ensures your business keeps running if you become disabled.
Understanding Elimination and Benefit Periods
Break down how soon benefits start and how long they last and how that affects pricing.
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Frequently Asked Questions
How much of my income will disability insurance replace?
Typically 60% to 70% of your gross income, depending on the plan.
Is the benefit taxable?
If you pay the premium with after-tax dollars, the benefit is usually tax-free.
How soon do I receive benefits after filing a claim?
After the elimination period, which may be 30, 60, or 90 days.
Can I get coverage if I have a pre-existing condition?
It depends some may be excluded or rated higher. Simplified issue plans have fewer health questions.
What if I’m self-employed or 1099?
Assurity offers plans specifically for independent workers with no employer coverage.
How long do benefits last?
From a few months (short-term) to several years or up to retirement (long-term), based on your selection.
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888-899-8117
555 NorthPoint Center E, Alpharetta
Georgia. 30022
We’re here to make insurance feel simple, clear, and stress-free. At OnePoint Insurance Agency, we’ll help you find the right coverage so you can focus on living, while we protect the things that matter most.
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