A young dentist bought a practice — and protected everything behind it.
She took on an acquisition loan on top of student debt. Here's the coverage that keeps the doors open — and keeps the practice's bills off her family — if she's ever out of work.
She bet on herself.
After a few years in practice, she acquired a retiring dentist's business — a major leap, financed with a significant business loan on top of student debt she was still paying down.
If illness or injury ever kept her from working, the practice's overhead expenses wouldn't pause. Payroll, rent, equipment, the acquisition loan — all still due, with no production coming in. Her business, her team's jobs, and her family's finances were all riding on her ability to show up for work.
Business Overhead Expense coverage.
We placed a Business Overhead Expense (BOE) policy — coverage built to keep the practice's bills paid and its team employed even when the key player is out.
- Up to $43K/month to reimburse the practice's actual overhead — staff payroll, rent, equipment, utilities, and other fixed operating costs.
- A benefit pool of about $519,000 — roughly 12 months at the full $43K monthly maximum, and longer if actual overhead runs lower.
- A Business Loan Protection rider — an extra ~$2,400/month earmarked to her acquisition loan.
- Built-in extras: automatic benefit increases as the practice grows (no new underwriting), plus partial-disability coverage.
If she's ever sidelined, the doors stay open.
Her team keeps getting paid, the loan keeps getting serviced, and she gets to focus on one thing — recovery — with room to plan succession if she ever needs it. That's what tailored coverage does: it keeps the practice's bills off her family, protects her staff's jobs, and preserves the business she built.
This is what Tailored Solutions. Premium Care. looks like in practice.