Business Overhead Expense (BOE) insurance is a disability policy that reimburses a practice for specific overhead expenses if a shareholder is disabled.

This policy helps the practice remain open by reimbursing it to cover such expenses as accounting, advertising, utilities, employee benefits (on eligible employees only), equipment loans, insurance premiums, and mortgage or rent payments.

BOE may not directly benefit the disabled person, but it will help to prevent him/her from having to use personal funds to keep the practice open when revenues decline due to absent member.

Calculator

Use our calculator to estimate the potential overhead benefits that your shareholders would be eligible to receive in the event of a disability.