Disability insurance for business owners
Protect your business while you are sick or injured
We offer protection for business owners that can help safeguard the key areas your absence would impact, including:
Protection for your personal income
If you’re unable to work due to illness or injury, individual disability income insurance can help replace a portion of your paycheck so that you can meet your routine monthly expenses.
Coverage for business expenses
Your business still needs to meet its routine, day-to-day expenses — including rent, utilities, and your employee salaries and benefits — even if you’re unable to work due to illness or injury. We offer coverage that can reimburse up to 100% of covered expenses, to ease your cash flow worries.
Safeguard your ability to pay business loans
Small business protection can help you protect your business’ ability to pay business loans and other contractual financial obligations, such as business purchase or start-up loans, equipment purchase or lease agreements, and business expansion loans. This coverage can fund up to 100% of regular payments. You can tailor the length of the policy to the duration of your loan, so you get precisely the coverage you need.
Protect your firm if your business partner becomes too sick or injured to work
If you or your business partner is unable to continue working due to sickness or injury, we offer insurance to help the healthy partner buy the other partner’s share of the business.