Business Overhead Expense (B.O.E) in Cedar Rapids IA, Iowa City IA, and across the state and country.

Business Overhead Expense: "B.O.E"

How long could your business sustain itself if you were unable to work?  For many small business owners, the answer is “not long.”  That’s why BOE insurance is essential for small business owners.  A BOE policy can be the difference between maintaining and operating a business or falling into bankruptcy.

Your small business is the culmination of your hopes, dreams and countless hours of hard work and sweat.  Don’t let your dream deteriorate due to a disability.  Isn’t your dream and hard work worth protecting?

A Business Overhead Expense (BOE) policy pays overhead expenses if an insured business owner becomes disabled.  The policy is typically short-term, from 12 to 24 months, and is designed to keep the business cash flow running until the insured recovers from a disability.

BOE policies typically cover rent, interest payments on some types of debt, utilities, salaries, office equipment expenses and maintenance, both payroll and property taxes, professional membership dues and subscriptions, accounting fees and insurance premiums for employees.  BOE policies typically do not cover income taxes or the cost of inventory.

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