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With Business Overhead Expense (BOE) Insurance, you can get coverage that fits your needs at affordable rates. The chart below can help you calculate your premium. Rates are based on your age as of January 1, 2020. When you enter a new age band, your rate will increase as shown. Otherwise, rates can only change on a class-wide basis.

If you become disabled and are unable to work, BOE Insurance can help:

  • Cover day-to-day fixed operating expenses.
  • Provide for your employees.
  • Help protect your personal finances.
  • Keep the business you built.

The AICPA BOE Plan is offered exclusively to AICP​A members and is issued by The Prudential Insurance Company of America (Prudential). The Plan pays benefits directly to you so you can:

  • Help pay your business expenses (such as employee salaries, rent, utilities and business insurance premiums) while you are disabled.
  • Receive benefits within 30 days after you become disabled.
  • Provide your survivors with a single lump sum equal to three times your monthly benefit amount if you die while receiving benefits.

BOE insurance helps ensure that you won’t have to deplete your personal long-term disability (LTD) benefits or savings to keep your business running.  Review how the AICPA Long Term Disability Income Plan differs from the BOE Pla​n below.

Long Term Disability Income Insurance

Business Overhead Expense Insurance

13 or 26-week waiting period 30-day waiting period
Your own mortgage or rent payments Your business rent or mortgage interest payments
Your utility payments Your business charges for electricity, telecommunications, heat, and water
Your personal loan payments, credit card payments, car payments Principal and interest payments on debt related to purchase of the firm; interest payments on office equipment loans; Business loan interest on existing loans
Education Cost of continuing professional education required to maintain a professional license
Your insurance premiums (health, auto, home, life) Business insurance premiums, to include insurance for errors & omissions liability and employee benefit plans
Home Maintenance costs Cost of maintenance and repairs of equipment, computers, hardware, and other maintenance services
Your property taxes Real estate taxes, payroll taxes
Your family's food and clothing Your employees' salaries or wages

 For additional information please reference your booklet-certificate.

The BOE Insurance Plan is available in eligible states and territories.

Features
To view benefit details, click on the + symbol to read the full description.​​​​​​​

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Click here for IMPORTANT product disclosure information

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