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What type of coverage do you need?

Business overhead expense (BOE) disability insurance pays a dentist’s business overhead expenses if he or she becomes disabled. A BOE policy pays a monthly benefit based on actual expenses, not anticipated profits. In relation to dentistry these policies are designed for practices that rely on a small number of staff to produce revenue.

Coverage

The following business overhead expenses are typically covered by a BOE disability policy:

  • Rent
  • Interest payments on some business debts
  • Utilities
  • Employees' salaries and payroll taxes
  • Postage and stationery
  • Equipment maintenance
  • Rental, lease, or depreciation of office equipment
  • Taxes on the business property location
  • Insurance premiums for Workers' Compensation, employee medical, and liability
  • Accounting fees
  • Professional memberships and subscriptions

Policies do not typically cover the salary of a temporary dentist hired to do the duties of the disabled practitioner, unless a substitute salary expense or similar rider is purchased with the policy. Income taxes and the cost of inventory are some expenses that are not covered.

For additional information or for a quote please contact us at info@dentistsinsure.com or by phone at 888-336-3831.  
Customized Business overhead expense Insurance Coverage Serving San Diego, Los Angeles and Orange County, CA and nationwide.

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6119 La Granada
Suite B #2395
Rancho Santa Fe, CA 92067
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