Insurance & Investments / Disability Income Insurance

Small Business Protection

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Could your business stay healthy if you weren’t?

If you’re like most business owners, you’re probably indispensable to your company. Have you thought about what would happen to you and your business if you couldn’t work?

In that situation, you’d need money to keep your personal finances in order. On top of that, you’d need to make sure that the business you worked so hard to build continues to run smoothly. Fortunately, we’ve got you covered.

We offer protection for business owners that can help safeguard the key areas your absence would impact, including:

Protection for Your Personal Income

If you’re unable to work due to illness or injury, individual disability income insurance can help replace a portion of your paycheck so that you can meet your routine monthly expenses. 

Coverage for Business Expenses

Your business still needs to meet its routine, day-to-day expenses — including rent, utilities, and your employee salaries and benefits — even if you’re unable to work due to illness or injury. We offer coverage that can reimburse up to 100% of covered expenses, to ease your cash flow worries.

Safeguard Your Ability to Pay Business Loans

We can help you protect your business’ ability to pay business loans and other contractual financial obligations, such as business purchase or start-up loans, equipment purchase or lease agreements, and business expansion loans. This coverage can fund up to 100% of regular payments. You can tailor the length of the policy to the duration of your loan, so you get precisely the coverage you need.

Protect Your Firm If Your Business Partner Becomes Too Sick or Injured to Work

If you or your business partner is unable to continue working due to sickness or injury, we offer insurance to help the healthy partner buy the other partner’s share of the business.

How much income would you lose if you couldn’t work?

See what’s at stake by calculating your future income stream with the future income calculator.

START CALCULATING

Making sure your business stays healthy

If you were too sick or injured to work, how would you keep your business running smoothly? Download the PDF to learn more.

Individual 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, or provided by Guardian.  Product provisions and availability may vary by state.

This website is provided for informational purposes only and should not be considered tax or legal advice.  Please contact your tax or legal advisor regarding the tax treatment of the policy and policy benefits. You should consult with your own independent tax and legal advisors regarding your particular set of facts and circumstances.  The information provided is not intended or written to be used, and cannot be relied upon, to avoid penalties imposed under the Internal Revenue Code or state and local tax law provisions.