How does business overhead expense insurance support a business?

It reimburses your business’s fixed monthly expenses while you can’t work because of illness or injury, up to the plan’s monthly limit, so the business can keep running until you’re back. Eligible expenses usually include rent, utilities, staff wages and benefits, business insurance premiums, accounting fees, property taxes and leases, and on some plans the payments on equipment loans. It doesn’t pay your own income, or costs such as inventory: for your income, you need personal disability insurance. Other business loans can be covered by separate disability coverage that pays the loan if you’re disabled.