TROUT INSURANCE SERVICES
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Business Overhead Expense Disability Insurance

As a small business owner, you are the integral key to success for yourself and your business.  You
have spent many years to build a efficient operation with a reliable staff and devoted customers 
that keep coming back.

An accident or illness may threaten not only your personal income, but the business itself.  If you 
suffer an illness or accident and can't work for an extended period of time, how will you find the 
resources to keep the doors open, pay your staff and continue to position your business as a 
trusted source for its product or service?  

A business overhead expense disability policy (BOE) will provide resources to pay your employees, 
rent, utilities, maintenance, advertising, taxes and interest on business loans.  A BOE policy will 
keep you in business if you are sick or hurt and can't work.  

The benefit from a BOE policy is based on the expenses of your business, not your personal 
income.  A benefit will cover up to $ 30,000 per month of regular operating expenses and the 
premiums are a tax-deductible business expense.  There are also policies that will pay off a 
commercial loan, protect your contributions to a qualified retirement plan and help pay the 
deductible of your health insurance policy if you are injured in an accident.

We welcome the opportunity to create a disability program for you that will provide the peace of 
mind you deserve.  


To learn more about Business Overhead Expense Disability Insurance and receive a quote, please click here.
​
Trout Insurance Services

Monday-Friday
9:00am - 5:00pm & by appointment


​Visit: 29 N Main St
Weaverville, NC 28787
     
Mail: PO Box 1414     
Weaverville, NC 28787  
Ph: 828.279.4681
​
Fax: 1.888.221.4842
​

[email protected]
Trout Insurance is an Independent Insurance Agency Based in WNC. 
Privacy Notice Statement  | Privacy Policy
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“We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or call 1.800.Medicare to get information on all of your options.”
Trout Insurance is an independent authorized agency licensed to sell and promote products from Blue Cross and Blue Shield of North Carolina (Blue Cross NC). The content contained in this site is maintained by Trout Insurance. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association. ®, SM Registered marks of the Blue Cross and Blue Shield Association.”
  • Insurance
    • Home & Auto Insurance >
      • Home & Auto Intro
      • Travelers - Customer Services
      • Hartford - Customer Services
      • Nationwide Customer Service
      • National General Customer Service
    • Health Insurance >
      • ACA Open Enrollment 2026
      • The Hulk - Max Your Money
      • Iron Man - The Right Insurance
      • Thor - Supplemental Plans
      • Super Citizen - Take Charge
      • Health Savings Account - HSA
    • Medicare
    • Accident & Hospital >
      • Accident Plans
      • Critical Illness
      • Long-Term Care
      • Disability Insurance
    • Pet Insurance
    • Life Insurance
    • Travel Medical and Trip Protection
    • Dental and Vision
    • Employee Benefits
    • Business Owners >
      • Group Health Insurance
      • Commercial Property & Liability
      • Business Overhead Expense Disability
      • Disability for Business Owners
      • Critical Illness
    • Short Term Health
  • Trout Team
    • Our Story
    • Dave Trout
    • David Hanson
    • Idelle Davids
    • Linnea Conway
    • Jan Trout
    • Steve Dillingham
  • Resources
    • Discover Your Options
    • 50 Plus
    • Tales of Whoa
    • Employee Success
    • Fifty Plus
    • Fixing the ACA "Family Glitch"
    • Medicaid Expansion
    • Client Center
    • Newsletter
    • Thank You
    • Reviews
    • Blog
    • Articles >
      • Fine Homes WNC
      • Privacy Policy
      • Insurance Partners
      • No Income Cap
      • ACA Income Verification
      • BCBS Online Setup
      • APTC Income 2023 & Tax Form 1040
      • Prior Agents
      • Lost Subsidy
    • Blue Star Benefits
  • Community
    • WNC Strong
    • LLyods of Weaverville
    • Fishbowl- Yellow Mug
    • Built to Last
    • Candlelight Stroll
    • Music on Main
    • Goombay & YMI
    • Weaverville Primary Spring Fling
    • 50+ WNC Articles
    • Understanding Medicare 2024
    • Mural on Main Street
    • Alignment's 5-Star Switch
    • YMI Winter Coat Drive
    • Employer Networking w/ Just Economics
    • Blue Ridge Pride Festival
    • Medicare Seminar
    • Art in Autumn + MANNA
    • Western Women's Business Center Conference
    • Back to School
  • Contact Us