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$20K Overhead Expense (OE) Coverage for Newly Self-Employed Doctors, Dentists & Business Owners


Whether you are a first year physician or dentist upening up a practice or an experienced physician, dentist or professional taking an entrepreneurial leap in opening up a new practice or business, you are going to have business expenses that you need to insure with overhead expense.  However, most carriers require you to have an established business to obtain this type of coverage.  We have a solution!  Guardian will offer up to $20,000 month overhead expense coverage plus up to $10000 of the Future Increase Option (FIO) Rider for any eligible medically insurable newly self employed doctor, dentist, or business owner with the exception of real estate or financial services. 

For more information please see the Start-Up Savvy Program page.


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This website is intended for genereal public use.  By providing this concept, The Guardian Life Insurance Company of America, and their affiliates and subsidiaries are not undertaking to provide advice or reccomentations for any specific individual or situation, or to otherwise act in a fiduciary capacity.  Please contacvt a financial representative for guidance and information that is specific to your individual situation.

Individual disability income products underwrittten and issued by the Berkshire Life Insurance Company of America (BLICOA), Pittsfield, MA or provided by Guardian.  BLICOA is a wholly owned stock subsidiary of and administrator for the Guardian Life Insurance Company of America (Guardian), New York, NY.   Product provisions and availability may vary by state.

2023-157954 Exp 7/26