--- title: How to Help Protect your Practice - and Your Savings description: You most likely have disability insurance to help protect yourself and your family. But what will protect your practice if you become sick or injured? image: https://www.tmait.org/hubfs/July%202019/July_2019_Week_3.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/July%202019/July_2019_Week_3.png) [Business Overhead Expense Insurance](https://www.tmait.org/blog/topic/business-overhead-expense-insurance) # How to Help Protect your Practice - and Your Savings 20 July 2019 As a medical practice owner, you work incredibly hard for the benefit of your patients, and you deserve sincere and whole-hearted thanks. We appreciate all the good you do for your patients, your staff, and your community. One of the ways we have chosen to express our appreciation is by creating the TMA Member Business Overhead Expense plan issued by **The Prudential Insurance Company of America**. This plan is designed to help protect your practice, and your savings if you become too sick or injured to work. If you don’t already have this coverage, now may be the right time to seriously consider it. ## Practice Owners Must Expect the Unexpected If you’re in private practice, you know that there is so much more to being a practice owner or partner than you dreamed of when you were young. Yes, you love taking care of your patients and the relationships you have built with them; but you have legal considerations, staff needs, and in the end, you never forget that you are running a business - one that needs to remain profitable to succeed. So, what happens if you become sick or injured and are unable to work for an extended period of time? You most likely have disability insurance to help protect yourself and your family. But what will protect your practice? If you couldn’t work, who would see your patients? How would you pay for your lease and utilities (or your share of the business overhead)? How would your practice cover the salaries for your staff if you weren’t bringing in revenue? Because of an injury or illness, these bills can pile up alarmingly fast. The right insurance could help prevent you from draining your personal savings to cover office expenses.  ## When Personal Disability Insurance Doesn’t Fit Your personal disability insurance benefit is meant to help protect your personal and familial expenses. If personal disability insurance is made to do double duty, it will likely not be enough to cover your business expenses and take care of your personal needs. Chances are, they will both suffer. It is important to help protect your practice’s financial health with Business Overhead Expense insurance. [![Have questions about your insurance needs? We're here to help - click here or call today](https://no-cache.hubspot.com/cta/default/400074/756b48e5-b3c9-429d-bc9d-76714fda3b10.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/756b48e5-b3c9-429d-bc9d-76714fda3b10) ***[800-880-8181](tel:800-880-8181) 8:00 – 5:00 CST Monday – Friday*** ## How Business Overhead Expense Insurance Helps to Protect Your Practice The benefits from your Business Overhead Expense Insurance can be used to help cover the many expenses your practice will incur while you are away: - providing for a locum tenens physician, - lease or mortgage payments, - employee salaries, - payroll taxes, - utilities, - office supplies and equipment, - maintenance services, - loan payments, - property taxes, - and more. In a very real sense, this coverage can help keep your practice viable for those who rely on it: you and your family, your patients and your employees. It helps protect everything you have achieved through hard work, and maintain your professional standing in the community as well as the successful momentum your practice has built. ## TMA Members Have Exclusive Access If you are a TMA member, you have access to the TMA Member Business Overhead Expense Plan issued by **The Prudential Insurance Company of America**, which offers exclusive benefits that were designed with your needs in mind. Take a closer look at the specific benefits of this coverage. - This plan pays a monthly benefit of up to $50,000 per month. - The TMA Member plan pays benefits up to 24 months; twice the benefit period of some other carriers. - This plan makes the first payment retroactively after you have been disabled for 30 continuous days. - During the time you are disabled, your premiums are waived, so coverage will continue at no cost to you. - If you suffer even a partial disability, you may qualify to receive benefits. At TMA Insurance Trust, we care about your future and are sincerely committed to your success. We want to ensure that if you become seriously sick or injured, your practice can keep going while you get better. Get the plan that goes to work for you when you can’t work. Consult free of charge with one of our knowledgeable advisors who can help tailor a plan that takes into account your specific circumstances and offers you optimal insurance protection. To contact us, call [800-880-8181](tel:800-880-8181) or complete the form on this page to schedule a call.  [![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. ** [ Business Overhead Expense Insurance ](https://www.tmait.org/blog/topic/business-overhead-expense-insurance) ** [Practice Owners](https://www.tmait.org/blog/topic/practice-owners) [**Previous Entries](https://www.tmait.org/blog/disability-insurance-could-now-cost-you-25-less) [Next Entries**](https://www.tmait.org/blog/help-protect-your-income-and-your-practice-and-pay-25-less-ltd) ## 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 An Injury Injure Your Practice](https://www.tmait.org/blog/dont-let-an-injury-injure-your-practice-boe) ### [Don’t Let Illness Or Injury Sabotage Your Practice](https://www.tmait.org/blog/dont-let-illness-or-injury-sabotage-your-practice-boe) ### [A New Alternative for Group Health Insurance](https://www.tmait.org/blog/a-new-alternative-for-group-health-insurance-group-benefits) ### [Why Going It Alone on Group Health Coverage Costs Your Practice](https://www.tmait.org/blog/why-going-it-alone-on-group-health-coverage-costs-your-practice-group-benefits) ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [One Plan for the Year—Travel Insurance That Covers Every Trip](https://www.tmait.org/blog/one-plan-for-the-year-travel-insurance-that-covers-every-trip) ### [Is Your Practice as Protected as Your Income?](https://www.tmait.org/blog/is-your-practice-as-protected-as-your-income-boe) ### [Disability Insurance—Without Gender-Based Pricing Discrimination](https://www.tmait.org/blog/disability-insurance-without-gender-based-pricing-discrimination) ## Speak with a TMA Insurance Trust Advisor: TMA Member Business Overhead Expense coverage 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.   1059837-00002-00 ### Latest Post ![A New Alternative for Group Health Insurance](https://www.tmait.org/hubfs/July%202026/July%202026%20Week%201%20-%20Group%20Health.png) ### [A New Alternative for Group Health Insurance](https://www.tmait.org/blog/a-new-alternative-for-group-health-insurance-group-benefits) Jul. 04 2026 ![Why Going It Alone on Group Health Coverage Costs Your Practice](https://www.tmait.org/hubfs/June%202026/June%202026%20Week%204%20-%20Group%20Health.png) ### [Why Going It Alone on Group Health Coverage Costs Your Practice](https://www.tmait.org/blog/why-going-it-alone-on-group-health-coverage-costs-your-practice-group-benefits) Jun. 27 2026 ![Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/hubfs/June%202026/June%202026%20Week%203%20-%20Dental.png) ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) Jun. 20 2026 ![Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/hubfs/June%202026/June%202026%20Week%202%20-%20Accident.png) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) Jun. 13 2026 ### POPULAR TOPICS - 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