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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.  

Trout Insurance Services

Monday-Friday
8:30am-6pm & 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
​
contact@troutinsurance.com
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Trout Insurance is a Full Service Independent Insurance Agency Based in WNC. 
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  • Coverage
    • Home & Auto Insurance
    • ACA-2021
    • Health Insurance 2021
    • Medicare
    • AARP - Hartford
    • Life Insurance
    • Income Protection >
      • Disability Insurance
      • Long-Term Care
      • Critical Illness
      • Annuities
    • Dental, Vision, Accident
    • Health Insurance 2020
    • Employee Benefits
    • Business Owners >
      • Employee Benefits
      • Group Health Insurance
      • Commercial Property & Liability
      • Business Overhead Expense Disability
      • Disability for Business Owners
      • Critical Illness
    • Short Term Health
  • About Us
    • Our Story
    • Dave Trout >
      • DT Landing
    • Jessica Cody >
      • JC Landing
    • Jeremy Sheridan >
      • JS Landing
    • Jennifer Trout
    • Jan Trout
    • John Phillips >
      • JP Landing
    • Steve Dillingham
  • Reviews
  • Resources
    • Insurance Partners
    • Lost Subsidy
    • 2019 Verification-a
    • Renewal 2020
    • Privacy Policy
    • BCBS Online Setup
    • APTC Income 2021 & Tax Form 1040
  • Community
    • Music on Main
    • Manna Fundraiser
    • Western Women's Business Center Conference
    • Mural on Main Street
    • Expanded Team- Next Generation
    • Back to School
    • Weaverology
  • Blog
  • Contact Us