--- title: How You Can Help Protect Your Practice and Save Thousands description: Help keep your practice in good health; ensure that if you become seriously sick or injured, your practice can keep going while you get better. image: https://www.tmait.org/hubfs/August%202019/BLOG%20HEADER%20TMAIT%20template.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/August%202019/BLOG%20HEADER%20TMAIT%20template.png) [Business Overhead Expense Insurance](https://www.tmait.org/blog/topic/business-overhead-expense-insurance) # How You Can Help Protect Your Practice and Save Thousands 17 August 2019 As a practice owner, you are acutely aware of the many considerations that are involved in successfully running your practice. You know the things that make your practice unique, that make it your own. You also know well the extraordinary amount of expenses that you need to cover every month ... the many thousands of dollars that it takes to keep your practice operating. What would happen to your practice if you became sick or were injured and unable to work for an extended period of time? ## Help Protect your Practice and Save Because we appreciate the hard work and sacrifice of Texas practice owners, we are offering the **TMA Member Business Overhead Expense (BOE)** Plan. This plan will help pay the overhead expenses for your practice while you focus on recovering.  The truth is, personal disability insurance is not designed to care for the financial needs of your practice during a sustained illness or injury; it is designed to provide the funds to keep your household running. You also wouldn’t want to pull from your savings or retirement accounts to meet the financial needs of your practice. BOE insurance is specifically designed to provide the capital needed to help keep your practice operating while you recover and can get back to work. [![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*** ## Help Protect Your Practice with BOE The benefits from your Business Overhead Expense Insurance can be used to help cover the many expenses your practice will incur while you are recovering: - 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. This coverage can be crucial in helping to keep your practice viable for the people who depend on it: your family, your patients and your employees. BOE insurance helps to protect your achievements, and helps to maintain your professional standing in the community as well as the momentum your practice has built. ## Speak with Your Partners About This Coverage TMA Insurance Trust recommends that if you are in practice with partners, each should have their own business overhead insurance to cover their portion of the practice's operating expenses. That way, the practice can be more completely protected. In the event one of you could not work for an extended period of time, it would help cover their expenses, prevent serious financial loss and help keep the practice running smoothly. ## Exclusive Benefits for TMA Members 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 practice’s needs in mind. If you look at the specific benefits of this coverage, you can see the advantages your practice would gain by being covered: - This BOE plan pays a monthly benefit of up to $50,000 per month  - The TMA Member BOE plan pays benefits up to 24 months, which is twice the benefit period of some other carriers. - The first benefit payment is made 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. ## Help Keep Your Practice in Good Health Help keep your practice in good health; ensure that if you become seriously sick or injured, your practice can keep going while you get better. Get the insurance plan that goes to work for you while you are not able to work. To contact us, call [800-880-8181](tel:1-800-880-8181) or [click here](https://info.tmait.org/talk-with-an-advisor-about-thank-you-credit) 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 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) ** [Practice Owners](https://www.tmait.org/blog/topic/practice-owners) [**Previous Entries](https://www.tmait.org/blog/get-more-disability-insurance-coverage-pay-25-less) [Next Entries**](https://www.tmait.org/blog/pay-25-less-to-help-fully-protect-your-income-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 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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