Can Disability Insurance Be A Business Expense? 
It depends upon the type and purpose of the disability insurance policy . Insurance premiums for a disability insurance policy taken out to pay for lost earnings due to a illness or injury are not a deductible business expense . However , a disability insurance policy taken out to pay business overhead expenses in the event the business owner is disabled by illness or injury is a deductible business expense . You can refer to IRS Publication 535 , released in 2014 , for the specific details on these matters . 