Business overhead expense
Overhead insurance for optometry practices.
If illness or injury keeps you out of the exam lane, this coverage helps pay the practice's fixed bills. Your staff, your lease and your patients are still there when you come back.
The program at a glance
Built for the practice, not the person.
A disability policy pays you. Overhead coverage pays the practice. It keeps the business side steady so you can focus on getting better.
This program is offered only to optometrists. It comes with limited underwriting and a 10% premium discount.
- Monthly benefit
- $4,000
- Benefit period
- 12 months
- Underwriting
- Limited
- Premium discount
- 10%
- Available in
- All 50 states
Benefits and terms follow the policy issued to you. Subject to underwriting.
What it helps pay
The bills that don't wait.
A practice has fixed costs every month, whether or not you see patients. Overhead coverage helps with the eligible ones. Common examples are on the right.
Your policy lists exactly which expenses qualify. Your agent walks through that list with you before you apply.
- Rent on your officeMonthly
- Staff salariesEvery period
- Equipment leasesMonthly
- UtilitiesMonthly
- Business insurance premiumsRecurring
It does not pay your own salary. That is the job of individual disability insurance.
Overhead vs. disability
Two policies. Two different jobs.
Most practice owners need both. One keeps the doors open. The other keeps your household running.
Business overhead expense
Pays the practice
- Covers eligible fixed business costs
- Built for practice owners
- 12-month benefit period in this program
- Limited underwriting and a 10% discount
Individual disability
Pays you
- Replaces part of your personal income
- For owners and associates
- Benefit length depends on the policy you choose
- 10% discount on issued policies in this program