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Group Benefits

Business Overhead Expense Insurance

For self-employed professionals and business owners, fixed expenses continue regardless of your health. BOE insurance ensures your business keeps running while you focus on recovery.

Get a Free Quote (604) 338-3042
Fixed costs Ongoing business expenses covered
12-24 months Typical maximum benefit period
Tax-deductible Premiums paid by the business
Preserves Business value and client relationships
How it works
Getting covered is simple
1

Book a free call

Sri reviews your unique needs, goals, and budget — completely free with no pressure or obligation.

2

Compare top plans

We shop 20+ Canadian insurers to find you the best coverage at the most competitive rate.

3

Get covered fast

Meet Sri on Zoom or in person to submit your application. Many plans are approved within 24–72 hours—often with no medical exam required.

About this coverage
Keep Your Business Running During Disability

Business Overhead Expense (BOE) insurance is specialized coverage designed to protect self-employed professionals and small business owners in Canada by helping cover fixed operating expenses if they become disabled due to illness or injury. While personal disability insurance replaces a portion of the owner's income, BOE insurance focuses specifically on ensuring the ongoing costs of running a business are met during the recovery period.

BOE policies typically reimburse actual business expenses up to a predetermined monthly benefit for a specified benefit period, often ranging from 12 to 24 months. Covered expenses generally include office rent, staff wages (excluding the owner's salary), professional fees, utilities, accounting services, and other essential operating costs. This ensures continuity of operations and helps preserve the business's value and client relationships during the owner's absence.

Key benefits
What Business Overhead Expense Covers

Rent and facility costs

Office, clinic, or studio rent, plus hydro, internet, and other recurring facility expenses.

Employee salaries

Keep your team employed during your recovery — prevent permanently losing key staff members.

Loan and lease payments

Business loan repayments and equipment or vehicle lease payments covered during disability.

Professional fees

Accounting services, professional association dues, and other essential operating expenses.

Equipment and technology

Technology leases, professional equipment, and necessary business asset costs.

Business continuity

Maintain operations and protect client relationships — the difference between resuming or closing permanently.

Common questions
Frequently asked questions
No. Personal disability insurance replaces your personal take-home income. BOE specifically covers the fixed operating costs of your business. Most business owners need both types of coverage — they serve completely different purposes.
Yes. Premiums paid by the business are a fully deductible business expense. Note that BOE benefits received are generally considered taxable income to the business, offsetting the deducted expenses.
BOE insurance is especially valuable for physicians, lawyers, consultants, and entrepreneurs whose ability to work is directly tied to business continuity. If your fixed business expenses would continue even if you were completely unable to work, BOE insurance is essential.

Ready to protect what matters most?

Sri will find the right coverage at the best rate — no cost, no pressure, no jargon. Just honest guidance.

Book a Free Consultation (604) 338-3042

Licensed in BC, Alberta, Ontario & Nova Scotia • Powered by Experior Financial Group