Overhead Expenses Insurance

Bittle Armstrong Insurance works with many small businesses in Northwest Arkansas. For our small business clients, we suggest clients learn about Business Overhead Expense insurance. Also known as Business Expense Insurance, this is an insurance policy which pays the insured’s business overhead expenses if s/he becomes disabled. A BOE policy pays a monthly benefit based on documented expenses (not anticipated profits). It is typically designed for businesses that rely on a small number of people (or one person) to produce revenue, where an injury or disability greatly damages the revenue of the company.

BOE insurance can cover overhead expenses such as Rent, Interest payments on outstanding eligible business debts, Utilities (heat, water, telephone, electricity, etc.), Equipment maintenance, Rental, lease, or depreciation of office equipment and Insurance premiums for Workers’ Compensation, Employee Medical Plans, Employee Taxes, General Liability, as well as Accounting fees.

Why Do I Need Business Overhead Expense Insurance?

Business Overhead Expense coverage provides a business owner with expenses in the event of the insured becoming disabled. This is especially important for small businesses where few people are responsible to produce business revenue.


Covers numerous business expenses


Protect your business from a potential financial crisis


Keeps your business afloat during a period of disability


Gives you peace of mind

Our Job

Bittle Armstrong “shops insurance,” which means we our independent agents represent more than one company. This is a direct benefit to you via multiple coverage options, lower insurance rates and guidance for your insurance portfolio. Call us today and our talented team will get to work for you.

Let’s Get Started

Our dedicated and professional agents can potentially save hundreds or even thousands of dollars on your Business Overhead Expenses insurance premiums. Contact Bittle Armstrong Insurance today at (479) 443-0808, email us at [email protected] or a visit to our office at 3887 North Crossover in Northeast Fayetteville.

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