 |  |  |  |  |  |
 |
 |
 |
 |
As a small business owner, you are the integral key to success for yourself and your business. You
have spent many years to build a efficient operation with a reliable staff and devoted customers
that keep coming back.
An accident or illness may threaten not only your personal income, but the business itself. If you
suffer an illness or accident and can't work for an extended period of time, how will you find the
resources to keep the doors open, pay your staff and continue to position your business as a
trusted source for its product or service?
A business overhead expense disability policy (BOE) will provide resources to pay your employees,
rent, utilities, maintenance, advertising, taxes and interest on business loans. A BOE policy will
keep you in business if you are sick or hurt and can't work.
The benefit from a BOE policy is based on the expenses of your business, not your personal
income. A benefit will cover up to $ 30,000 per month of regular operating expenses and the
premiums are a tax-deductible business expense. There are also policies that will pay off a
commercial loan, protect your contributions to a qualified retirement plan and help pay the
deductible of your health insurance policy if you are injured in an accident.
We welcome the opportunity to create a disability program for you that will provide the peace of
mind you deserve.
have spent many years to build a efficient operation with a reliable staff and devoted customers
that keep coming back.
An accident or illness may threaten not only your personal income, but the business itself. If you
suffer an illness or accident and can't work for an extended period of time, how will you find the
resources to keep the doors open, pay your staff and continue to position your business as a
trusted source for its product or service?
A business overhead expense disability policy (BOE) will provide resources to pay your employees,
rent, utilities, maintenance, advertising, taxes and interest on business loans. A BOE policy will
keep you in business if you are sick or hurt and can't work.
The benefit from a BOE policy is based on the expenses of your business, not your personal
income. A benefit will cover up to $ 30,000 per month of regular operating expenses and the
premiums are a tax-deductible business expense. There are also policies that will pay off a
commercial loan, protect your contributions to a qualified retirement plan and help pay the
deductible of your health insurance policy if you are injured in an accident.
We welcome the opportunity to create a disability program for you that will provide the peace of
mind you deserve.
Business Overhead Expense Disability Insurance
| Trout Insurance is a full line insurance agency located in Asheville, NC. Trout Insurance offers life, health, disability, Medicare supplement, long term care insurance home and auto insurance for individuals as well as college funding and retirement planning. Christopher Smith, Dave Trout, Jan Trout and Ralph Redpath are independent insurance agents with Trout Insurance. Christopher Smith specializes in group health insurance, employee benefits, insurance needs for business owners, key person disability insurance, disability buy out insurance, individual life insurance, short term health insurance, disability insurance, long term care insurance, group long term care insurance and critical illness insurance. Dave Trout specializes in life and disability insurance, Medicare supplement insurance, retirement planning for individuals and businesses, commercial business insurance and college funding. Jan Trout specializes in individual health insurance. Ralph Redpath specializes in home and auto coverage. Web site design by Christopher Smith. Agency photo by Jason Sanford. |
