Professional Overhead Expense Insurance

As a practice 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

"I've owned my business for only four years. This year, I broke my ankle...I couldn't work for at least 10 weeks. The Professional Overhead Expense insurance has provided comfort that my bills will be covered while I'm recovering. I advocate that everyone who is an owner get this insurance; it's absolutely worth it for when the unexpected happens."
—Dr. Rochelle Clark

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

Coverage Overview

POE Insurance 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 coverage you can trust.

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

Professional Overhead Expense Brochure

Professional Overhead Expense Flyer

Disability Income Brochure

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New York Life Insurance Company, NY NY 10010 on group policy form GMR. 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 policies 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.