What Is The Purpose Of Having Disability Insurance? 
Peggy Mace provides a wonderful answer to this question . I would add that thereis an array of business disability insurance products available that are often overlooked yet important . As an example : Business Overhead Expense -LRB- BOE -RRB- policies pay the overhead expenses of a disabled business owner/professional . This is important because the businesscash flow is interrupted upon a business owner 's disability . The BOE policy will reimburse the disabled business owner for his expenses.Food for thought . 