--- title: Don't Let An Injury Injure Your Practice description: As an independent practice owner, the inability to work due to an injury or illness can have disabling effects on your business. image: https://www.tmait.org/hubfs/April%202023/April%202023%20Week%203%20-%20BOE.png --- - [800-880-8181](tel:800-880-8181) - [CONTACT US](https://www.tmait.org/contact) - [SELF-SERVICE PORTAL](https://tmait.aebsys.com/#/) [![](https://www.tmait.org/hs-fs/hubfs/TMA%20Insurance%20March%202019/Image/logo.png?width=197&name=logo.png)](https://www.tmait.org/) Topics All Accident Insurance Accidental Death and Dismemberment Auto & Home Insurance Auto Insurance Business of Medicine Business Overhead Expense Insurance Comparing Insurance Providers COVID-19 FAQs Critical Illness Insurance Dental Insurance Disability Insurance Employed Physicians Family Featured Financial Advice Group Benefits Group Coverage Health Insurance Homeowners Insurance HSA Independent Contractor Independent Physician Individual Coverage Insurance For Good Insurance for Women Insurance Review Key Person Insurance Life Events Life Insurance Locum Tenens Medevac Insurance Medical Insurance Medical Practice Medicare Medicare Part D Medicare Supplement Medigap Nearing Retirement Office Overhead Expense Insurance Open Enrollment Personal Umbrella Insurance Pet Insurance Practice Management Practice Managers Practice Owners Prescription Drug Coverage Renters Insurance Residents Retired Physicians Retirement Short Term Disability Short-Term Medical Insurance Supplemental Hospital Indemnity Insurance Term Life Insurance Travel Insurance Vision Insurance Women Physicians Young Physicans Young Physicians ![](https://www.tmait.org/hubfs/April%202023/April%202023%20Week%203%20-%20BOE.png) [Business Overhead Expense Insurance](https://www.tmait.org/blog/topic/business-overhead-expense-insurance) # Don't Let An Injury Injure Your Practice 4 April 2023 As a physician, you have invested much time, effort, and expense in growing your independent practice. At a moment's notice, an injury or unexpected illness can have devastating effects on what you have painstakingly built up. Now is the time to **help protect your practice from financial injury**. Business Overhead Expense Insurance (BOE) is disability insurance designed to cover the expenses of your *practice* when you are unable to work due to a covered illness or injury. As an independent practice owner, the inability to work due to an injury or illness can have disabling effects on your business. A personal disability insurance plan may help replace *some *of your income if you become too sick or injured to practice. However, your personal disability policy may not provide enough funds to pay for household expenses *and* pay for expenses associated with running a thriving practice. To help you save your practice and help preserve your independence, TMA Insurance Trust has prepared a safety net, especially with you in mind. [![We're here to help - CLICK HERE or call today](https://no-cache.hubspot.com/cta/default/400074/a1232ede-af45-4b8f-bee0-19ec9b73de37.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/a1232ede-af45-4b8f-bee0-19ec9b73de37)***[800-880-8181](tel:800-880-8181) 8:00 – 5:00 CST Monday – Friday*** ## How Business Overhead Expense Insurance Works *What happens to my practice if I can’t work due to illness or injury?* - BOE insurance helps cover the expenses to keep your practice running and financially viable when you are too sick or injured to work. *What happens when the revenue stops because I am unable to treat patients?* - The TMA member plan offers a benefit of up to $50,000/month to help cover the expenses of running an office. *What if I have a business partner?* - Any TMA members who are partners in your practice should also apply for BOE coverage so the practice is more fully protected. Physicians with partners planning to retire or considering leaving the practice may need to secure Business Overhead Expense Insurance, because more of the financial responsibility of covering the practice’s expenses will fall on them. Business Overhead Expense Insurance will not only protect your practice but will also assist in maintaining your professional standing and business momentum in your community.  *What else is covered by Business Overhead Expense Insurance?* - Instead of having to draw from your personal savings or liquidate personal resources to cover monthly business expenses, BOE pays for expenses like rent, employee salaries, payroll taxes, utilities, office supplies and equipment, depreciation of equipment, maintenance services, loan payments, property taxes, even the cost of a locum tenens to treat your patients and more. ## Get Business Overhead Expense Insurance and Protect Your Practice Now is the time to let TMA Insurance Trust help you protect your practice. Keep your practice viable for you, your patients, and your employees in the event of an unexpected illness or injury. One of our experienced advisors is readily available to answer any questions or concerns at 800-880-8181, Monday through Friday from 8:00 am to 5:00 pm, CST. Or apply anytime online by clicking the button below: [![Help Protect My Practice](https://no-cache.hubspot.com/cta/default/400074/3ba18118-44ea-45c5-976b-2d59b4004b6c.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/3ba18118-44ea-45c5-976b-2d59b4004b6c)[![New Call-to-action](https://no-cache.hubspot.com/cta/default/400074/92a5c9eb-63b7-4df3-8acd-d5b2aba296f9.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/92a5c9eb-63b7-4df3-8acd-d5b2aba296f9) For over 60 years, TMA Insurance Trust advisors have been serving Texas physicians, their families and staff. TMA Insurance Trust prides itself on offering unbiased information and strategies to members, along with exclusive group rates on a range of the highest-rated plans in the industry. ** [ Business Overhead Expense Insurance ](https://www.tmait.org/blog/topic/business-overhead-expense-insurance) ** [**Previous Entries](https://www.tmait.org/blog/securing-the-future-help-protect-your-family-with-life-insurance) [Next Entries**](https://www.tmait.org/blog/are-there-hidden-risks-in-your-employers-disability-insurance-plan) ## Recommended Posts ### [Is Your Practice as Protected as Your Income?](https://www.tmait.org/blog/is-your-practice-as-protected-as-your-income-boe) ### [Help Preserve Your Practice’s Health with Business Overhead Expense Insurance](https://www.tmait.org/blog/help-preserve-your-practices-health-with-business-overhead-expense-insurance) ### [Proactive Insurance Protection for Your Practice](https://www.tmait.org/blog/proactive-insurance-protection-for-your-practice-boe) ### [Help Safeguard Your Practice from Operational Setbacks](https://www.tmait.org/blog/help-safeguard-your-practice-from-operational-setbacks-boe) ### [Special Insurance Savings For Women](https://www.tmait.org/blog/special-insurance-savings-for-women) ### [Help Protect Your Practice’s Heartbeat With Business Overhead Expense Insurance](https://www.tmait.org/blog/help-protect-your-practices-heartbeat-with-business-overhead-expense-insurance) ### [Don’t Let Illness Or Injury Sabotage Your Practice](https://www.tmait.org/blog/dont-let-illness-or-injury-sabotage-your-practice-boe) ## Speak with a TMA Insurance Trust Advisor: TMA Member Business Overhead Expense plan is issued by The Prudential Insurance Company of America, Newark, NJ. The Booklet-certificate contains all details, including any policy exclusions, limitations and restrictions, which may apply. CA COA #1179, NAIC #68241. 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