A form of disability income insurance that provides payments for overhead expenses such as office rent, utilities and employees' wages that are actually incurred during the disability of the insured business owner.

A special form of health insurance designed to help offset overhead expenses such as office rent, utilities, employees' wages, and auditors' fees, incurred during total disability. The monthly payments during disability are not a fixed amount of indemnity as on regular disability polices, but the amount of overhead expense actually incurred, or a percentage thereof, up to the limit specified in the policy.

Insurance for business owners to help offset continuing business expenses if the owner is disabled