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WebApr 5, 2024 · How to buy life insurance as a business owner. The steps for buying life insurance as a business owner are the same as buying life insurance as a non-business owner: Determine your coverage needs, including multiple policies. Comparison shop and get quotes. Choose an insurer and submit an application. Take a free medical exam. … WebJan 18, 2024 · This is called business overhead expense insurance (BOE). Whereas regular disability insurance covers individual income, a BOE policy will help cover your monthly business expenses if an injury … WebKey person insurance is a life insurance policy that a business takes out on its most valuable employee or employees. A policy can also include a rider for disability coverage to help if a key employee is disabled. Key person insurance helps safeguard a small business if an imperative employee dies or becomes disabled. ross crowley