{"id":24186,"date":"2025-03-25T09:09:27","date_gmt":"2025-03-25T13:09:27","guid":{"rendered":"https:\/\/silver.rbcinsurance.com\/en-ca\/?page_id=24186"},"modified":"2026-03-27T09:14:52","modified_gmt":"2026-03-27T13:14:52","slug":"business-overhead-insurance","status":"publish","type":"page","link":"https:\/\/silver.rbcinsurance.com\/en-ca\/business-insurance\/business-overhead-insurance\/","title":{"rendered":"Business Overhead Expense Insurance"},"content":{"rendered":"\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__HeroImageBackground  hasDarkBg\" style=\"background:url(https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/03\/Business-Overhead-insurance-hero-desktop-copy.webp) no-repeat;--bghero-mobi-url:url(https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/03\/Business-Overhead-hero-mobile-copy.webp)\">\n<div class=\"wp-block-columns cols-hero-wrapper is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column col-front is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"rbc-yoast-breadcrum\"><span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span><\/p>\n\n\n\n<h1 class=\"wp-block-heading rbc-callout-heading\" id=\"h-business-overhead-expense-insurance\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#FFFFFF\" class=\"has-inline-color\">Business overhead expense insurance<\/mark><\/h1>\n\n\n\n<p class=\"rbc-override-margin p-large\">Business overhead expense insurance can help your business meet its ongoing expenses if you or a co-owner can\u2019t work due to a disability.<\/p>\n\n\n\n<div class=\"wp-block-buttons  get-your-free-quote is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-accent accent\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/cgi-bin\/birf\/form.cgi\" data-dig-id=\"LP-24186-f8c9f3dc\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Email us-https:\/\/silver.rbcinsurance.com\/cgi-bin\/birf\/form.cgi \">Email us<\/a><\/div>\n\n\n\n<p class=\" call-link\"><\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-postal-code postal-code-form  postal-code\" data-custom-url=\"\"><div class=\"quote-form \"><div class=\"inputCode\"><label>Your postal code<\/label><input class=\"\" type=\"text\" value=\"\" placeholder=\"A1A 1A1\"\/><\/div><div class=\"inputCode\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-accent accent\"><a class=\"wp-block-button__link wp-element-button\" href=\"#\" data-dig-id=\"LP-24186-8246bffe\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-# \">Get a quote<\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><div class=\"error-msg\"><span class=\"error-msg-span\">Please provide a valid postal code in A1A 1A1 format.<\/span><\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center mar-t-dbl mob-mar-t-dbl\" id=\"h-make-sure-your-business-can-always-pay-the-bills\">Make sure your business can always pay the bills<\/h2>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout1\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__header is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-benefits-of-business-overhead-expense-insurance\">Benefits of business overhead expense insurance<\/h2>\n\n\n\n<p class=\"p-large\"><span class=\"partial__border-bottom\">If you or a co-owner become disabled and unable to generate income, business overhead expense insurance can help you:<\/span><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/03\/pay-salaries.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-running-your-business\">Running your business<\/h4>\n<\/div>\n\n\n\n<p class=\"get-your-free-quote-call\">Pay salaries to retain valuable employees and keep your business running<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/03\/expense.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-cover-fixed-expenses\">Cover fixed expenses<\/h4>\n<\/div>\n\n\n\n<p class=\"get-your-free-quote-call\">Cover ongoing fixed expenses such as rent, property taxes and utilities<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout7\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-gap-0 flex-1\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-the-right-choice-if\">The right choice if&#8230;<\/h3>\n\n\n\n<p><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-2\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-checkmark-icon\">\n<li>Your income is needed to pay fixed business expenses<\/li>\n\n\n\n<li>You are a physician, lawyer, accountant or principal\/owner of a closely held business or practice<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout7\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-gap-0 flex-1\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-plan-summary\">Plan summary<\/h3>\n\n\n\n<p><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-2\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/10\/taxes.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"get-your-free-quote-call\"><strong>Business Overhead Expense Insurance Plan<\/strong><\/p>\n<\/div>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-checkmark-icon mar-t-hlf mob-mar-t-hlf\">\n<li>Ages 18-60 eligible to apply<\/li>\n\n\n\n<li>Non-cancellable until age 65 (conditionally renewable after age 65)<sup><a href=\"#legal-1\" data-dig-id=\"LP-24186-60129b9e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1\" class=\"rbc-link-format\">1<\/a><\/sup><\/li>\n\n\n\n<li>Benefit payments are available for 15 or 24 months<\/li>\n\n\n\n<li>Benefits can start after only 15 days of disability<\/li>\n\n\n\n<li>Premiums may be tax-deductible as a business expense<\/li>\n\n\n\n<li>You can increase your coverage at a later date<\/li>\n\n\n\n<li>Return to work assistance is available<\/li>\n<\/ul>\n\n\n\n<p>The information above is a summary only. Please see a&nbsp;<a href=\"https:\/\/silver.rbcinsurance.com\/health-insurance\/pdf\/business-overhead-expense-sample-policy.pdf\" target=\"_blank\" data-dig-id=\"LP-24186-46430ca5\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"sample policy\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">sample policy<\/a>&nbsp;for complete details on terms and conditions, including benefits and exclusions.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Business overhead expense insurance FAQs<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<p class=\"mar-b-hlf mob-mar-b-hlf\">Find answers to your questions about business overhead expense insurance.<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title0bm7nf5i\" class=\"collapse-toggle collapsed\" data-target=\"#accordion0bm7nf5i\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-24186-0bm7nf5i\" aria-controls=\"accordion0bm7nf5i\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What is business overhead expense insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What is business overhead expense insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion0bm7nf5i\" role=\"region\" aria-labelledby=\"accordion-title0bm7nf5i\"><div class=\"collapse-inner\">\n<p>Business overhead expense insurance is an expense reimbursement policy that covers the fixed monthly overhead expenses required to keep a business running until the return of the insured owner, after a period of disability. This allows business operations to continue until the insured owner either returns to work or makes a decision regarding the future of the business.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlel6ror2a1\" class=\"collapse-toggle collapsed\" data-target=\"#accordionl6ror2a1\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-24186-l6ror2a1\" aria-controls=\"accordionl6ror2a1\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Who should have business overhead expense insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Who should have business overhead expense insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionl6ror2a1\" role=\"region\" aria-labelledby=\"accordion-titlel6ror2a1\"><div class=\"collapse-inner\">\n<p>Business overhead expense insurance is designed for principals of closely held businesses or practices and owners of small businesses. It is most vital for businesses and practices in which the owner&#8217;s ability to generate income makes the difference between the office being open or closed for business\u2014for example, physicians, lawyers, accountants, engineers and others.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleveuct90d\" class=\"collapse-toggle collapsed\" data-target=\"#accordionveuct90d\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-24186-veuct90d\" aria-controls=\"accordionveuct90d\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How long will business overhead expense insurance cover me?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How long will business overhead expense insurance cover me?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionveuct90d\" role=\"region\" aria-labelledby=\"accordion-titleveuct90d\"><div class=\"collapse-inner\">\n<p>Our business overhead expense policy can be maintained until you (or another insured co-owner) reaches age 65. After age 65, the policy is conditionally renewable while you are employed full-time (minimum of 30 hours per week) and responsible for the expenses of maintaining your office or business. Rates and benefit periods are subject to change after age 65. You may continue the policy for the total disability benefit up to age 75. After age 75, your total disability benefit will be reduced by 50%.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titled0wl8uf2\" class=\"collapse-toggle collapsed\" data-target=\"#accordiond0wl8uf2\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-24186-d0wl8uf2\" aria-controls=\"accordiond0wl8uf2\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Do exclusions apply to business overhead expense insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Do exclusions apply to business overhead expense insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiond0wl8uf2\" role=\"region\" aria-labelledby=\"accordion-titled0wl8uf2\"><div class=\"collapse-inner\">\n<p>Yes. Benefits will not be paid for disability if the disability is due to:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>An act or accident of war, whether declared or undeclared;<\/li>\n\n\n\n<li>Normal pregnancy or childbirth (however, disabling complications of either of these are covered)<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__image\" style=\"background-color:#F7F8FA\">\n<div class=\"wp-block-columns cols is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column col-left is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-want-to-know-more\">Want to know more?<\/h2>\n\n\n\n<p class=\"rbc-override-margin p-large\">Ask us how business overhead expense insurance can help protect your business.<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons  get-your-free-quote is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/cgi-bin\/birf\/form.cgi\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-24186-da456f4f\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"E-mail us-https:\/\/silver.rbcinsurance.com\/cgi-bin\/birf\/form.cgi \">E-mail us<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\" get-your-free-quote \"><\/p>\n\n\n\n<div class=\"wp-block-rbc-postal-code postal-code-form  postal-code\" data-custom-url=\"\"><div class=\"quote-form \"><div class=\"inputCode\"><label>Your postal code<\/label><input class=\"\" type=\"text\" value=\"\" placeholder=\"A1A 1A1\"\/><\/div><div class=\"inputCode\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-accent accent\"><a class=\"wp-block-button__link wp-element-button\" href=\"#\" data-dig-id=\"LP-24186-3912f3f4\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-# \">Get a quote<\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><div class=\"error-msg\"><span class=\"error-msg-span\">Please provide a valid postal code in A1A 1A1 format.<\/span><\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p><a href=\"https:\/\/services.rbcinsurance.com\/StoreAdvisorLocator\/\" target=\"_blank\" data-dig-id=\"LP-24186-7c020859\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Find a Store or Advisor\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Find a Store or Advisor<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column col-right is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"607\" height=\"573\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/03\/Business-overhead_Get-Help-Card-copy.webp?quality=80&amp;w=607\" alt=\"Business owners discussing business insurance\" class=\"wp-image-24792\" srcset=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/03\/Business-overhead_Get-Help-Card-copy.webp 607w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/03\/Business-overhead_Get-Help-Card-copy.webp?resize=300,283 300w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/03\/Business-overhead_Get-Help-Card-copy.webp?resize=412,389 412w\" sizes=\"auto, (max-width: 607px) 100vw, 607px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-rbc-legal-collapsible disclaimer\" aria-label=\"Legal Disclaimers\"><div class=\"section-inner\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapseDisclaimer\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapseDisclaimer\" data-dig-id=\"LP-24186-2ebcfab4\" data-dig-category=\"LP\" data-dig-action=\"legal close\" data-dig-label=\"legal close\" action-closed=\"legal close\" action-opened=\"legal open\" label-close=\"legal open\" label-open=\"legal close\"><span>View Legal Disclaimers<\/span><span>Hide Legal Disclaimers<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapseDisclaimer\"><div class=\"collapse-inner\"><div class=\"table-wpr\">\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-1\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>1<\/sup><\/div><div class=\"table-cell\">\n<p>After age 65, it is conditionally renewable, as long as you remain employed full-time (minimum of 30 hours per week) and are responsible for the expenses of maintaining an office or business.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Make sure your business can always pay the bills<\/p>\n","protected":false},"author":203,"featured_media":0,"parent":15090,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"templates\/new-rbci-design.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-24186","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - 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