You are the key player in your business.  Suppose you got sick for an extended period of time.  Would the business still remain profitable enough to keep all the bills paid, salaries covered, replacement personnel funded?  If your absence would cause a strain on the operations of your business you need to consider protection in the form of Overhead Expense Insurance.

 

This insurance acts like Disability Insurance but it is for the expenses of the business instead of your income.  This insurance will cover things like