What types of people need Business Expense cover?

Disability Business Overheads Insurance is only available to self-employed individuals.

It is essential for small business owners to consider, and most suited to service businesses where the owner is the main income-generator, and temporary replacement of their role is not either available, hard to find, or not suited. The owner’s absence should therefore significantly impact on revenues.


The best examples of such roles are tradesman, accountants, architects, lawyers and barristers.

Medical professionals who run their own practices (doctors, dentists, chiropractors, etc) may also need Business Expenses Insurance. However, the possibility of employing a short-term locum to cover the cost of their employment – as well as some other fixed expenses. This may completely eliminate, or greatly reduce, the loss that may be suffered in the event of the insured’s disablement.