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

"Thank goodness for my AVMA LIFE agent who convinced me when I was just starting out to purchase POE coverage. When the unexpected happened, it was a lifesaver."
—Dr. Barry Wander

The experiences of the individual described herein may not be representative of the experiences of all clients.


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

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Information

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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Carrier

New York Life is licensed/authorized to transact business in all of the 50 United States, the District of Columbia, Puerto Rico, and Canada. However, not all group plans it underwrites are available in all jurisdictions. Please check the applicable insurance brochures for current availability. New York Life’s state of domicile is New York, and NAIC ID # is 66915.