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Business Owners Articles


Business Owner's Disability Insurance
by Gary Fegan

As a business owner, you have put your blood, sweat, tears and likely your financial backing on the line. You feel like you will never become disabled and your business will thrive and prosper until you decide to call it quits. Let’s hope that is true, but what if it is not true? Consider the following …

Business Overhead Expense Disability Insurance
by Larry Laskin

Most discussions I have with both business owners and partners regarding disability insurance are straightforward; the loss of the ability to earn an income can destroy your life. Whether the conversation reverts to the benefits of establishing a group plan or issuing individual, portable disability …

Getting Disability Insurance as a Brand New Business Owner
by Anthony Delvecchio

You have worked with a company for the past few years. You have decided that you no longer want to work for someone; instead you are going to finally branch out and start your own business. You go though the pros and cons and realize one of the advantages you will be giving up is employer-paid benefits. …

Disability Buy-Out Insurance for Business Owners
by Bill Olmsted

A healthy buy-sell agreement should contain provisions that anticipate the future needs of a business. Although most buy-sell agreements make provision for the death of a business owner, many buy-sell agreements are silent when it comes to the disability of a business owner. The reality is that a …

Disability Insurance for Women Business Owners
by Anthony Delvecchio

The U.S. Census Bureau released their latest data for small business owner growth and results indicated an interesting trend - women owned businesses are increasing. Nearly 30 percent of the 27.1 million small businesses in the U.S. are owned by women. Between 2002 and 2007 only 18% of new businesses …

Business Loan Disability Insurance
by Steve Crawford

In some point in our professional careers, many individuals come across an opportunity to strike out on their own to open a new venture and become self-employed. Others may come across a situation where there is an opportunity to buy into an existing business as a partner. In either case, especially …

Protecting Your Other Family - Your Business
by Anthony Delvecchio

Most of the articles you find on disability insurance focus on the importance of protecting your greatest asset, your ability to earn an income and what that means to your family. I am a true believer in that as well. However, this article explains the importance of protecting your other “family”, …

Is There A Way To Cover My Business Expenses?
by Gary Fegan

Many small business owners and entrepreneurs understand the importance of protecting their own personal income but neglect to insure proper care of their business when a long term disability or sickness occurs. Sadly, many successful businesses fail when the CEO cannot work because of a long term disability …

Qualified Sick Pay Plans
by Bill Olmsted

Business owners face a number of challenges in running their business and making sure their employees are productive and happy. One of the areas of concern that many small business owners have is the unexpected disability of one of their employees. A disability of a key employee can have significant …