Office Overhead is available to self-employed people who are directly and personally involved in their business, and whose services are essential to the continuation of the enterprise. When disability strikes, these people remain liable for a variety of ongoing overhead expenses - rent, salaries and utilities to name a few.

Yet at the same time, the gross income of the business will be dramatically curtailed because of their absence from work. This frequently leads to bankruptcy. Office Overhead provides the funds needed to keep the business "in the black.”

After becoming disabled, the self-employed person generally has two options: trying to keep the business going in hopes of returning to work, or selling it if a long-term disability seems likely. Office Overhead can help protect the business in either situation, with a comprehensive range of policy features.