Disability Overhead Expenses Insurance


Protecting Your Businesses Bills While You Can’t Work

What is Disability Overhead Expenses Insurance?

Disability Overhead Expense Insurance helps a small business owner maintain their business if they develop a disability that limits or prevents them from running their business efficiently. Disability overhead insurance provides cash to pay business expenses such as:

    • Rent
    • Utilities
    • Insurance Premiums
    • Employee Salaries (other than the business owners)
    • Equipment Lease Expenses
    • Interest on Debt
    • Any other deductible normal overhead expenses

The cash benefit provided by a disability overhead expense insurance policy to pay these expenses is determined by the policies maximum monthly amount and will not exceed actual expenses incurred by the business.

Why a small business owner wants a Disability Overhead Expense Insurance

When a small business owner experiences a disability that prevents them from working in their business at 100% effectiveness a lot of uncertainty surrounding the business they dedicated their life to building begins to creep in. For example:

    • Loyal customers may begin to look for other suppliers as they don’t want their business to suffer
    • Employees look for other jobs when they fear for their own future
    • Creditors may reduce credit lines if they believe the businesses future is in doubt

Provide Cash Protection that allows the business owner to:

    • Access the severity of their disability and their future without worrying as much about generating the money needed to pay their bills.
    • Give peace of mind to other stakeholders in the business (customers, employees, lenders etc) that the company can continue (“cash flow is king.”)
    • Pay their obligations IF revenue does decrease (Policy pays benefits even if the company’s profits increase during the owner’s disability)
    • Keep the business a going concern so that they can have an enterprise to come back to or start the transition process to new ownership preserving the value of the business.

Why Chose Decision Tree Financial to Be Your Disability Insurance Advisor

Decision Tree Financials’ heritage is founded on the power of disability insurance. We know firsthand how important the benefits a disability insurance strategy is to a business owner who has put all their time and effort into building an amazing enterprise and we know that sometimes life doesn’t go as planned. Our promise is to help you understand the risks you face in your business,  develop a strategy to address those risks and find the coverage you need to provide protection against events that could devastate your business.

Having survived cancer twice and dealing with treatment while owning a business, once without a DI overhead policy and once with, you can guess which business survived and which business failed. The second time dealing with treatment and having the right insurance coverage allowed me to focus on fighting and gave me a business to come back to when I was better!

Kevin Wenke, Owner Decision Tree Financial