Overhead Expense

This is a special form of health insurance designed to help offset overhead expenses.

These expenses could include utilities, office rent, wages for employees, and auditors' fees, incurred during total disability. This is usually the total expense of running a business.

The amount paid is not fixed as would be with most disability policies but is the actual amount of overhead expense incurred or a percentage of that amount, depending on the policy.

It is important that you choose the right kind of insurance to suit your particular needs. What one person or business has will not necessarily do what you need. Do a risk management study and use those results to help you determine what, if any, insurance you want to purchase.