Business Disability Insurance

Small or large businesses are often at risk if the owner is injured or ill. Private disability insurance offers special features for business owners.

Benefits are based on Gross Revenue not Net Income

Unlike government programs, private insurance coverage and income in the event you are disabled is 66 2/3 of your "gross revenue" not net income. As a business owner your operational expenses show that you have a low net income - do you want your income during recover of an injury to be based on your "net income".

Business Owners have on-going monthly expenses

What happens to your on-going expenses, vehicle rental, cell phone plan, office space costs, accounting costs? You can purchase overhead expense to cover these monthly expenses either combined with a private disability plan or, as a stand-alone plan. You may qualify for up to $4,000 (depending on your expenses) in addition to your personal income disability insurance.

Customized features you can add

Need health and dental too? You can incorporate health and dental, critical illness and travel. The plan is custom designed based on your priorities and needs.

If you have employees, there may be some benefit to utilizing disability insurance for each employee or you may wish to receive a quotation for a group plan which may include disability, health and dental, and travel. Contact us today to find out which option may suit your circumstances.