--- title: Help Preserve Your Practice’s Health with Business Overhead Expense Insurance description: You’ve built a career that gives you the independence to provide the best care for your patients while working to secure your financial future. image: https://www.tmait.org/hubfs/April%202025/April%202025%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 ![Male Doctor Looking at Paper ](https://www.tmait.org/hubfs/April%202025/April%202025%20Week%203%20-%20BOE.png) [Medical Practice](https://www.tmait.org/blog/topic/medical-practice) # Help Preserve Your Practice’s Health with Business Overhead Expense Insurance 19 April 2025 Your practice stands as a testament to your life’s work, representing years of dedication, commitment, and hard work. You’ve built a career that gives you the independence to provide the best care for your patients while working to secure your financial future. But if a sudden injury or illness prevented you from practicing, how long could your business be sustained without you? While you may already have a personal disability insurance plan that can help replace loss of income, it likely wouldn’t be enough to also cover the costs of running a medical practice if your revenue were to stop. The **TMA Member Business Overhead Expense Insurance plan, issued by The Prudential Insurance Company of America**, is designed to provide tailored support to help safeguard your practice, serving as a financial safety net to ensure your business continues to thrive in your absence while you focus on recovery. ## The Benefits of BOE Insurance At TMA Insurance Trust, we recognize the unique financial challenges independent physicians face, especially without the added security of employer-provided benefits to help keep your practice financially stable. Taking a proactive step with **Business Overhead Expense Insurance (BOE)** can help cover your practice’s operating expenses if you were unexpectedly unable to practice due to a covered illness or injury. This helps ensure your business doesn’t stop just because you have to and that your partner(s), employees, family, and patients who depend on you are supported until you can return. [![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*** BOE insurance can assist with covering essential expenses, including rent and lease payments, employee salaries, utilities and office supplies, equipment depreciation, maintenance, loan payments, property taxes, and hiring a locum tenens to care for your patients. TMA Members can access additional exclusive benefits of the TMA Member Business Overhead Expense Insurance plan that further support your practice: - **Higher Payout Options** – Providing flexible coverage options of up to $50,000 per month for up to 12 months or $35,000 per month for up to 24 months, helping fit your practice’s needs and cover expenses. - **Lower Premiums** – TMA Members can benefit from more affordable member rates compared to many competing carriers. - **Extended Benefit Periods** – Coverage lasts up to 36 months (or until the full benefit amount is paid). - **Retroactive Benefits** – The first benefit payment is made retroactively after 30 consecutive days of disability, helping cover the waiting period. - **Waived Premiums During Disability** – While receiving benefits, your premiums are waived, eliminating additional financial strain. Beyond keeping your practice operational, BOE insurance helps protect your financial future in several key ways: - **Maintains Your Professional Standing and Business Momentum** – Ensures your practice remains a trusted part of your community while you recover, helping to retain staff and continue to uphold the level of patient care and trust you’ve established. - **Preserves Your Personal Finances** – Prevents your personal savings and disability insurance benefits from being drained by practice expenses. - **Prepares for Unexpected Business Changes **– If you have partners who plan to retire or leave the practice, BOE insurance can help offset the increased financial responsibility that may fall to you. ## Proactive Planning, Expert Guidance Don’t leave your practice vulnerable against the unexpected - take the first step towards protecting everything you’ve worked to build. Securing your practice’s future starts with the right Business Overhead Insurance plan to ensure it stays running smoothly. Contact an experienced advisor today at 800-880-8181 to learn more about the benefits of BOE insurance and how it can help protect your practice’s independence. A live agent will be available to speak with you directly, Monday through Friday, from 8:00 AM to 5:00 PM CST, for greater peace of mind for you and those who depend on your ability to work. [![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 70 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. 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. Contract Series 83500. 1085913-00001-00 ** [ Medical Practice ](https://www.tmait.org/blog/topic/medical-practice) [, Practice Owners ](https://www.tmait.org/blog/topic/practice-owners) [, Practice Managers ](https://www.tmait.org/blog/topic/practice-managers) [, Insurance for Women ](https://www.tmait.org/blog/topic/insurance-for-women) [, Women Physicians ](https://www.tmait.org/blog/topic/women-physicians) [, Young Physicians ](https://www.tmait.org/blog/topic/young-physicians) ** [Business Overhead Expense Insurance](https://www.tmait.org/blog/topic/business-overhead-expense-insurance) [**Previous Entries](https://www.tmait.org/blog/youre-a-physician-youre-healthy-but-what-if-one-accident-changed-everything-ltd) [Next Entries**](https://www.tmait.org/blog/how-physicians-may-qualify-for-group-health-coverage-with-or-without-employees-group-benefits) ## Recommended Posts ### [A New Alternative for Group Health 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