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In the event that you could not manage your company, 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, our Disability Insurance for Business Owners has 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

Small business protection 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.

Got a minute? Get a quote.

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Your qualified savings include IRAs, 401(k)s and other retirement accounts funded with pre-tax dollars

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Generally this is around 10% of your annual income. A good annual savings target is 10% of your salary, gradually increasing this percentage over time.

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Generally this is around 70% of your current annual income

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Individual disability income products underwritten and issued by Berkshire Life Insurance Company of America (BLICOA), Pittsfield, MA. BLICOA is a wholly owned stock subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY. 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.

This material is intended for general public use. By providing this material, Guardian is not undertaking to provide investment advice for any specific individual or situation, or to otherwise act in a fiduciary capacity. Please contact a financial professional for guidance and information specific to your individual situation.