Office Overhead Expense Insurance
Office overhead expense insurance protects your practice and your personal savings if you become disabled.
Insurance Tip
Your office overhead expense insurance premium payments may be tax-deductible as a business expense. Consult your tax advisor about this deduction. To find out more about insurance for your medical practice, read our guide, A Practice of Your Own.
Download A Practice of Your Own guideAn office overhead expense plan can:
- Help you pay employee salaries and wages, rent, utilities, business-insurance premiums, and other practice expenses
- Protect you from having to use your personal long-term disability benefit or personal savings to cover expenses related to your business if you become disabled
- Help you protect your employees and practice partners from the effects of your disability
TMAIT Advisors have two ways of helping you find the office overhead insurance plan that meets your needs:
TMAIT Trust products designed exclusively for physicians.
Since 1969, we have worked with The Prudential Insurance Company of America to offer the Group Office Overhead Expense Insurance Plan exclusively to individual TMA member physicians and their dependents. Our Group Office Overhead Expense Insurance Plan includes product and TMAIT member benefits such as:
- The ability to increase your coverage without a medical exam
- Review of claims and underwriting disputes by a board of fellow physicians
- Support of physician advocacy
- A rate stabilization fund that helps keep your premiums stable.
TMAIT Advisors can shop the open market for you.
Our Advisors search a wide range of individual office-overhead expense insurance plans and present a range of options from reputable insurance carriers. We do the legwork. You get the office overhead expense insurance that best suits your needs.
Our featured Trust Group Office Overhead Expense Insurance Plan
With Prudential, we have designed a Group Office Overhead Expense Insurance Plan specifically to meet the needs of Texas physicians and their dependents.
Learn moreRequest a quote
Complete a short online request form and a TMAIT Advisor will contact you with custom pricing, ready to discuss all your options.
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Long-term disability
While office overhead expense protects your practice, long-term disability protects your personal income. If you own a practice, getting both types of coverage gives you the most protection in the event you become disabled. Learn about long-term disability insurance
Personal accident insurance
A personal accident policy can give you extra coverage if you are injured, paralyzed, totally and permanently disabled, or killed in a covered accident prior to age 60. Learn about personal accident insurance
Prudential, the Prudential logo and the Rock Symbol are service marks of Prudential Financial, Inc. and its related entities registered in many jurisdictions worldwide.
Office Overhead Expense Insurance coverage is issued by The Prudential Insurance Company of America, Newark, NJ. All coverages contain exclusions and limitations which are contained in the booklet certificate. Contract series 83500. CACOA# 1179. NAIC# 68241.
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