Business Overhead Protection Services Fort Worth TX

Running a business is hard work. You might have a dozen things to worry about, but insurance shouldn’t be one of them. That’s the beauty of working with New Generations Financial. We do the heavy lifting, working with you to uncover your needs and find coverage as unique as your business is.

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    BUSINESS OVERHEAD PROTECTION INSURANCE

    If you own a business, we can help keep it operating with a Business Overhead Protector insurance policy. If you are unable to work because of an injury or sickness, it provides reimbursement for your share of business overhead expenses.

    NEW GENERATIONS FINANCIAL IS HERE TO HELP

    Do you feel overburdened? Don’t be. Here at New Generations Financial, we are ready to help guide you through our coverage options. Make sure you, your employees, and your business are well-protected—and take advantage of available discounts to save you money!

    WE HAVE OPTIONS THAT CAN HELP YOU NAVIGATE YOUR WAY

    Typically covered expenses:

    • Mortgage interest or lease payments
    • Employee wages
    • Utility costs
    • Business insurance premiums
    • Policy Features
    • Business Expense Coverage

    FAST AND ACCURATE HELP

    Your coverage is guaranteed to renew to your termination date as long as you pay the premium on time. We will not change any part of the policy, including the premium, until the termination date.
    Do you have the peace of mind provided by a supportive response team if a breach occurs?

    YOU CAN REACH OUT TO US ANYTIME

    Before you decide, get price quotes, and contact your local independent insurance agent to see if you’d qualify for Business Overhead Protection.

    EXQUISITE SERVICE OVER THE YEARS

    A Business Overhead Protector policy covers the following types of overhead expenses:

    • Salaries, fees, wages, benefit payments, and employment taxes for employees
    • Rent and lease payments for furniture, equipment, and premises
    • Utility costs including phone, electricity, heat, and water
    • Laundry, janitorial, and maintenance service costs
    • Property, liability, malpractice, and business insurance premiums
    • Professional, trade, and association dues
    • Business property taxes
    • The greater of depreciation or principal payments on business loans on business property
    • Interest on business debt existing on the day your disability begins
    • Legal, accounting, and similar business fees

    CONSIDERATIONS AND QUESTIONS

    Here are just a few considerations and questions your agent may ask about before making a coverage recommendation:

    • Risk evaluation: Would it help if a professional took stock of your business risks? 
    • Commercial property and auto: What commercial buildings, vehicles, and equipment are critical to your business?
    • Commercial liability: Are you prepared financially if a customer slips and falls in your store or building?
    • Equipment breakdown coverage: Are you prepared financially if a technology or equipment failure causes lost income? 
    • Employment practices liability: Are you prepared financially if an employee accuses your company of discrimination? 
    • Commercial umbrella. Does your business need liability protection with higher limits?
    • Commercial package and farm owners’ insurance: Could the unique makeup of your business impact your insurance needs?

    © 2022 New Generations Financial. All rights reserved.

    Get in Touch

    Get in touch with our support team today, so we can book your appointment. We are always available to help.

    Office Location

    New Generations Financial

    3412 Furlong Way, Fort Worth, TX, 76244, US