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Disability Insurance > By Occupation > Insurance for Professionals > Business Owners

Disability Insurance for Business Owners

How Business Owner Clients Buy Disability Insurance
Business owner
See How Your Peer Group Buys a Policy


We understand that every small business is different, so there is no way to offer a cookie cutter solution for every small business owner’s income protection needs.

It is common for us to meet a small business owner who would lose everything they have built if he or she was unable to work for even a small period of time. As a small business owner you need to take the subject of disability insurance very seriously. Everything you have now, and everything you hope to have in the future just may depend on your ability to get to work every day, and to grow and run your business.

The Disability Insurance Quote Shown Here

The instant disability insurance rates available to you on this page show you how much the average premiums other business owners are currently paying for the ProVider Plus individual disability insurance policy. There are multiple different occupation classes incorporated into the average premium for business owners on this page, as no two businesses are the same. Make sure that you obtain a personal disability insurance quote so that you know if your policy would be more or less expensive than the average displayed above.

Only So Many Dollars Available, What Is Necessary?

If you had an unlimited budget, you could easily spend a small fortune on the various insurance products available for small business owners. We recommend starting with the vital disability insurance products, and as a risk increases or the budget allows, you can expand from there.

You need to protect your personal income, and you need to make sure that you will have a business to come back to after any period of long term disability. If you are your business, then an individual disability insurance policy and an Overhead Expense disability insurance* policy are a must.

You and your family need to make sure that there is always an income stream coming in regardless of whether or not you are able to work. An individual disability insurance policy will make sure that happens.

You also need to make sure the bills are paid in the event you are unable to work at the place of business. An Overhead Expense policy will reimburse you for deductible overhead expenses paid during a period of disability. The premiums you pay for this type of insurance are tax-deductible. It helps make sure there is still a viable business to come back to after you recover from a period of disability.

*This policy provides disability insurance only. It does not provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. The expected benefit ratio for this policy is 50%. This ratio is the portion of future premiums that the company expects to return as benefits, when averaged over all people with this policy. Policy Form 4100 or 4200 underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA a wholly owned stock subsidiary of The Guardian Life Insurance Company of America, New York, NY.

2015-2350 Exp 5/17