Disability & Business Overhead Insurance Coverage
At the OPP, we recognize the importance ensuring your financial security against a future that is less than certain. That’s why we are pleased to offer Disability and Business Overhead Insurance, which is designed to protect you and your business from financial hardship in the event you suffer a disability and are unable to work.
Disability Insurance Coverage
A disabling injury or accident can happen without warning, and in a moment all of your dreams and hard work can be at risk. Individual disability income insurance is designed to protect you from financial hardship in the event that a long-term disability prevents you from earning your usual income. This valuable coverage provides monthly cash benefits to help you pay bills during the time you are disabled.
- Own occupation coverage
- Individual, non-cancellable policy that will remain the same premium throughout the life of the policy
- Fully portable – if you move, the policy moves with you
Business Overhead Insurance Coverage
If you were disabled and unable to work, how would you take care of your business, pay for your employees salaries, your mortgage or rent, taxes or loans?
A Business Overhead insurance policy provides financial assistance in order to help you maintain your business when you are unable to do so, due to a disabling injury or sickness. Some covered expenses include reimbursement for:
- Mortgage interest or lease payments
- Employee Wages
- Business Insurance premiums