What Is Business Overhead Expense Disability Insurance? 
A Business Overhead Expense Policy , also known as a BOE policy , is cash flow protection . This coverage protects a business when the business owner cant work due to a sickness or an injury . A BOE policy reimburses the business owner for expenses accrued during a period of disability . It helps them avoid having to dip into a business owners savings or having to ask shareholders to cover a portion of the overhead . 