Guardian Disability Insurance Brokerage

An overhead expense disability insurance policy is designed to protect a business owner in the event he or she is unable to perform the material and substantial duties of his or her regular occupation. The following is a list of some, but not all, of the covered expenses in an overhead disability policy.

• Regular lease, rental or mortgage payments on business premises
• Real Estate and property
• Employees' salaries*
• Utilities
• Installment payments for furniture and equipment


• Premiums for business insurance


• Accounting, billing and collection fees


• Professional or trade dues or subscriptions


• Postage


• Business Laundry


• Janitorial and maintenance services

* Eligible employee salaries include salaries and employer paid benefits of employees who have no ownership interest in your business and who are not members of your profession.