In the event that a business owner is disabled, business overhead expense insurance provides funds that can be used to recover certain operational expenses of the company. The income provided by a business overhead policy can allow the company to continue operations during the business owner’s disability. Policies are usually purchased for short term periods ranging from 12-24 months depending on the needs of the business. They are designed to “buy time” while the business owner recovers from a disability. If the disability is expected to be long term or permanent, the company can be sold at fair market value or dissolved. For more information see, Business Overhead Expense Insurance.