Professional Overhead Expense Insurance

As a business owner, your financial obligations extend beyond your patients. Your employees rely on you for a steady income so they, too, can provide for their families. On top of everyday operational expenses, how would you manage your business expenses if an injury or illness kept you from working?

Professional Overhead Expense (POE) Insurance through the AVMA LIFE Trust helps cover temporary operational expenses if you’re physically unable to run your business due to a covered disability. You can use this benefit toward:

  • Rent and utilities
  • Outstanding business debts
  • Employees' salaries
  • Relief veterinarians' wages
  • Equipment maintenance
  • And more
"AVMA LIFE provides hassle-free, understandable reimbursement and payment of claims."
—Dr. George Rudawksy, Northwest Animal Hospital

Plan Overview

POE Insurance plan highlights include:

  • Range of coverage amounts: Monthly benefits of up to $45,000
  • Choice of plan: Select between two different plan options


It has never been easier to apply for coverage through the AVMA LIFE Trust. Click the button below to obtain the affordable coverage you can trust.

Apply Online Now!


Read on for plan features, costs, eligibility, renewability, exclusions, and limitations, to see if this coverage is right for you.

Professional Overhead Expense Brochure

Professional Overhead Expense Flyer

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Underwritten by New York Life Insurance Company (NY, NY 10010) on Group Policy Form GMR