What Is Disability Overhead Insurance? 
Disability overhead insurance is coverage for a small business owner , to reimburse for his or her monthly business overhead expenses in the event of a disability . A simple example would include money to pay for the rent of the owner 's business location if that person were sick or hurt and could not work . Other monthly expenses are also eligible to be covered . This insurance can take a great burden off the business owner . otherwise these overhead expenses would have to be paid out of savings or other personal assets . The premise is that if the owner is disabled , business revenue will shrink or disappear , thus making it difficult or impossible to have the cash to pay the overhead expenses . Best to consult a local insurance professional for a complete analysis of the situation . 