Business Expense Insurance with Return of Premium: How It Can Help Business Owners

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Business expense insurance (BE) is designed to help business owners prepare for the ongoing expenses of running a business if they experience a disabling illness or injury and cannot work. Paired with our optional Return of Premium (ROP) rider, this type of policy can offer coverage if the business owner needs it with the potential for money back if they don't. Learning how these features work can help business owners explore coverage options that align with their financial goals.

Why Business Owners May Consider This Type of Coverage

For many business owners, fixed overhead expenses continue even if they are experiencing a disabling illness or injury and are unable to actively run their business. A BE policy may help support the business's financial continuity and adding the option ROP rider offers coverage if the business owner needs it with the potential cash back if they don't.

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Discounts for Business Owners!

We offer a 5% discount for a combination DI+BE plan*. And they may also qualify for a Business Owner Class Upgrade, which means even lower premiums that may be tax-deductible as a business expense!