• Business interruption loss of income
• Extra expenses
• Employee salaries
• Rent or mortgage payments
• Utility bills
• Insurance premiums
• Professional fees
• And many more

The benefits of Business Overhead Protection include the following:

1. Peace of Mind: Business owners can know that their business will be protected in the event of a disability, illness, or death of the owner or key employees.
2. Cost-effective: Business overhead Protection can be more cost-effective than other types of insurance because it covers specific expenses related to the business.
3. Customizable: The coverage can be customized to fit the specific needs of the business and can include coverage for additional expenses like hiring temporary replacement staff and business interruption losses
4. Maintenance of Creditworthiness: This coverage can help maintain the business's creditworthiness, as it will be able to meet its financial obligations even during difficult times.

1. Business ownership: To apply for overhead Protection, the individual should be a business owner or self-employed.
2. Business type: The type of business may also be a factor in determining eligibility for overhead Protection, as certain companies may be more likely to need this type of coverage.
3. Financial stability: The individual or business should have a good credit score and financial stability to apply for overhead Protection.
4. Coverage needs: The individual or business should clearly understand their coverage needs and the type of Protection they require to apply for overhead Protection.
5. Legal compliance: The individual or business should comply with all relevant laws and regulations to apply for overhead Protection.