--- title: Help Safeguard Your Practice from Operational Setbacks description: While personal disability insurance can help replace your personal income, it may not be enough to also sustain the income your practice needs to operate. image: https://www.tmait.org/hubfs/April%202024/April%202024%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%202024/April%202024%20Week%203%20-%20BOE.png) [Business Overhead Expense Insurance](https://www.tmait.org/blog/topic/business-overhead-expense-insurance) # Help Safeguard Your Practice from Operational Setbacks 20 April 2024 As a practice owner, you chose independence because it allows you to provide the best care for your patients, on your terms. Your practice is a testament to your dedication and hard work. However, life is unpredictable, and a personal injury or illness can disrupt even the most well-established practices. This is why it's crucial to prepare and protect your practice against such disruptions. While personal disability insurance can help replace your personal income, it may not be enough to also sustain the income your practice needs to operate. TMA Insurance Trust understands the unique challenges practice owners face. That is why we offer TMA Member Business Overhead Expense (BOE) insurance plans tailored to help meet the specific needs of Texas physicians. BOE insurance is a specialized form of disability insurance designed to help cover your practice's overhead expenses when you're unable to work due to a covered illness or injury. [![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 has two coverage options: one offers a benefit of up to $50,000/month for up to 12 months. Another option has benefits of up to $35,000/month for up to 24 months to help cover the expenses of running an office. **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. Protecting your practice with BOE insurance is not just about securing your financial future; it's about preserving everything you've worked for and achieved. It's about maintaining your professional standing and business momentum in your community. ## Take Steps to Help Secure Your Practice’s Future By covering your practice's overhead expenses, BOE insurance allows your personal disability insurance benefits to be used exclusively for replacing your personal income. This is particularly crucial for physicians with partners planning to retire or considering leaving the practice, as more of the financial responsibility of covering the practice's expenses may fall on them. Don't leave your practice vulnerable. Click below or call 800-880-8181 to speak directly with an advisor. Our team is available Monday through Friday from 8:00 AM to 5:00 PM, CST, and can provide more information on how BOE insurance can protect your practice's independence. [![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 65 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. 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