Business Overhead Expense Coverage

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Keep your business running—even when you can’t.

As a business owner, your ability to work is one of your company’s most valuable assets. But what happens if you’re temporarily disabled or too sick to work? Business Overhead Expense (BOE) Insurance helps cover your essential business expenses so your operations can continue while you recover.

Business Overhead Expense Insurance is designed for small to mid-sized businesses, especially those dependent on the owner’s ability to generate income. If you become disabled due to illness or injury, this policy reimburses you for fixed monthly business expenses—ensuring your business doesn’t suffer financially during your absence.

• Rent or mortgage payments
   
• Utilities (electricity, gas, water, internet, phone)
   
• Employee salaries and payroll taxes
   
• Office supplies and equipment maintenance
   
• Insurance premiums
   
• Professional services (legal, accounting, etc.)
   

• Your personal income (for that, you’d need Disability Income Insurance)
   
• New capital purchases or expansion costs
   
• Business profits or losses
   

BOE Insurance is especially important for:

• Sole proprietors or partners in a small business
   
• Physicians, dentists, attorneys, accountants, consultants
   
• Anyone whose business depends heavily on their personal involvement
   

At Carpenter Collective, we specialize in protecting your business with tailored insurance solutions. When you work with us, you get:

• ✔ Personalized guidance to match the right coverage to your needs
   
• ✔ Access to top-rated insurance carriers
   
• ✔ Help understanding premiums, elimination periods, and benefits
   
• ✔ Integration with your full risk management strategy
   

Let’s ensure your business keeps running—even when you can’t.

Schedule a free consultation today to learn more about how BOE Insurance can protect what you’ve built.