Presented by Donna Ries According to the September 2013 U.S. Small Business Administration Office of Advocacy, with over 23 million small businesses in the United States, the market opportunity for business protection solutions is wide open. Small businesses need protection if an owner would become too sick or hurt to work. Overhead Expense insurance keeps the business running smoothly by reimbursing business expenses until the business owner can return to work during a disability. This type of policy helps pay for rent, employee salaries, utilities, loan payments, etc. to keep the doors open. Overhead Expense premiums are tax-deductible for the business and the benefits received are reportable as income. Although benefits are taxable as income, the actual business expenses are deductible. Help protect the ability to keep up with overhead expenses that may force a business to close its doors. Propose Business Overhead insurance and disability insurance on your next business insurance visit.