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This section of our site allows you to explore disability insurance for business purposes.  Whether you need to cover office overhead expenses, fund the disability insurance requirement for a buy-sell agreement with your business partner(s), or cover a business loan obligation, *Guardian has the products you need with superior contract language and competitive prices.

Think about it!

When thinking about business disability insurance products, consider the purpose of the coverage and ask yourself these questions:

bulletIf you became disabled and couldn't produce income for your office, how would your fixed overhead expenses get paid? 

 

bulletHow would you compensate your business partner for their ownership interest in your practice if they became totally disabled?  How would your business partner compensate you for your ownership interest if you became totally disabled?  You may have a buy-out agreement,  but if it's not funded, what good is the agreement?

 

bulletHow would you pay your business loan at the bank if you became totally disabled?

Hit the following link(s) to explore these important business products.

 

bullet Business Overhead Expense Coverage
bullet Buy-Out Disability Coverage
bullet Business Reducing Term Loan Coverage

 

* Disability Income products underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY, or provided by Guardian. Product provisions and features may vary from state to state.  Product Provisions and features may vary from state to state.