Business Overhead Expense Insurance Overview

At this time the Business Overhead Expense (BOE) insurance plan is not available in Alaska, Colorado, Montana, New Hampshire, or the U.S. Territories.

If you are an owner of a firm and become disabled, Business Overhead Expense insurance will help to keep your firm running smoothly.

The AICPA Business Overhead Expense (BOE) Insurance Plan reimburses business owners for existing overhead expenses incurred while they are disabled, keeping the company up and running while the owner recovers.

Regular expenses that could be covered under a BOE policy include employee salaries, rent, leases and utilities to name a few. And BOE premiums are generally tax deductible as a business expense.

Have you considered what would happen to your business if you had an accident or an illness? How long could your business—and your employees, whose salaries may not get paid—last if you became disabled and were unable to work? How do you prepare for the unexpected? The AICPA BOE Plan can help:

  • Pay office expenses, such as employee salaries and wages, rent, utilities, business insurance premiums.
  • Protect your disability income—so you won't have to take money out of your long-term disability benefit to pay office expenses.
  • Protect the employees and partners of the firm from the effects of one partner's disability.
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