If you can’t practice, your overhead still gets paid.
You are the engine of your practice’s revenue. Business Overhead Expense (BOE) insurance keeps payroll, loans, rent and utilities covered if a disability takes you out of the operatory — so the practice you built is still there when you’re ready to come back.
The bills don’t pause when you do.
- Staff payroll Due Covered
- Practice loan Due Covered
- Rent & utilities Due Covered
- Replacement doctor Due Covered
Your BOE policy reimburses eligible practice expenses while you recover.
Your practice runs on you. What happens when you can’t?
As the owner, you are the primary driver of the practice’s income. When a dentist or specialist is out with an injury or illness, production stops — but payroll, loan payments and rent keep arriving on schedule.
Without a plan, owners and partners can be pushed into split-second decisions: fire-selling the practice, or selling off shares just to keep the doors open. Business Overhead Expense insurance removes that pressure. If an owner or owning partner becomes disabled, the carrier pays toward the practice’s operating costs so the business stays intact.
Lenders often require it
Even if you don’t think you need it, nine times out of ten a bank won’t approve a practice loan unless you carry some form of business disability coverage — or assign your personal policy to pay them first. BOE protects the loan without putting your personal income on the line.
Keeps the lights on. And everything behind them.
BOE protects business revenue and reimburses the fixed expenses your practice carries every month.
Staff wages
Keep your hygienists, assistants and front desk team paid and in place.
Bank loans
Stay current on acquisition, build-out and equipment financing.
Practice debts
Cover outstanding obligations so they don’t compound while you recover.
Professional fees
Accounting, legal and other professional services the practice relies on.
Rent, utilities & taxes
Lease payments, utilities and business taxes that never take a day off.
Replacement doctor
Help bring in an associate to keep patients scheduled and production moving.
And much more
Every practice is different. We’ll map your actual expenses to the right coverage.
Eligible expenses, benefit amounts and waiting periods vary by carrier and policy. Your advisor will walk through the specifics.
From disruption to recovery, the practice keeps going.
A disability occurs
An injury or illness keeps an owner or owning partner from practicing.
Waiting period ends
After the policy’s elimination period, benefits begin.
Overhead is reimbursed
The carrier pays toward eligible monthly expenses — wages, loans, rent, utilities, taxes and more.
You come back to your practice
No fire sale, no forced buy-in. The business you built is waiting for you.
Your disability coverage protects you. BOE protects the practice.
Many practice owners assume their personal disability policy has the business covered. It doesn’t — they’re designed to work together.
Personal disability insurance
Replaces your income.
- Pays your household bills and lifestyle expenses
- Follows you throughout your career
- Can be stretched thin if it’s also paying practice debt
Business Overhead Expense
Keeps the practice running.
- Reimburses payroll, loans, rent, utilities and taxes
- Satisfies most lender requirements for practice loans
- Leaves your personal benefit free for your family
Together, they make sure a disability doesn’t cost you your income and your practice.
What would it take to keep your doors open?
Slide in your practice’s monthly fixed costs to see the overhead a BOE policy would need to protect. Starting figures are examples only — adjust them to match your practice.
Monthly overhead to protect
per month the practice keeps spending, with or without you
across a 12-month disruption
This estimator is an educational tool, not a quote. Which expenses are eligible, maximum monthly benefits, elimination periods and benefit durations are set by each carrier and policy. A CFS Dental Division advisor will help you size coverage to your practice.
Business overhead insurance, answered.
Still have questions? Our dental-only advisors can walk you through it.
Business Overhead Expense (BOE) insurance is a form of business disability coverage. If a practice owner or owning partner becomes disabled and can’t work, the insurance company pays toward the practice’s operating expenses — such as staff wages, loan payments, rent, utilities, taxes and professional fees — so the practice can stay open.
Personal disability insurance is designed to replace your personal income for your household. BOE is designed to cover the practice’s expenses. Without BOE, a disabled owner may have to use personal benefits to pay practice bills, leaving far less for their family.
Very often, yes. In most cases a lender will not approve a practice loan unless the owner carries some form of business disability insurance or agrees to assign their personal disability coverage to pay the lender first. BOE satisfies that requirement while keeping your personal coverage intact.
Coverage commonly includes employee wages, professional fees, practice debts, bank loan payments, rent, utilities, business taxes, legal fees and, in many policies, the cost of a replacement doctor. Exact eligible expenses depend on the carrier and policy.
Any dentist or dental specialist who owns or co-owns a practice, is buying a practice, or is taking on practice financing. Because the owner is usually the primary source of production, the practice is especially exposed if that owner can’t work.
Call CFS Dental Division at (484) 946-6306 or reach out through our contact page. An advisor who works exclusively with dental professionals will review your practice expenses and help you compare options.
Protect the practice you worked so hard to build.
Talk with a CFS Dental Division advisor about Business Overhead Expense coverage sized to your practice — and how it fits with your disability, life and malpractice plans.