A Maryland business owner who becomes disabled faces two simultaneous crises: personal income stops and business expenses continue. Disability coverage addresses both — separately.
The gap nobody talks about
Maryland has a strong professional services and government contracting business community. These business owners have above-average income exposure and below-average disability coverage.
Bethesda and Rockville commercial rents plus payroll create significant monthly overhead. A BOE policy covers those expenses for up to 24 months while you recover.
Maryland business owners have no state short-term disability backstop. Individual disability income policies are the only protection available beyond whatever the business can sustain.
Maryland government contractors often have performance obligations written into their contracts. A disability doesn't automatically pause those. BOE coverage gives you the financial runway to manage the transition.
Former Oracle Principal Consultant. PhD researcher. Queens-based. I work with carriers across the full market — not captive to one company — so you get the right coverage at the right price.
A structured 30-minute conversation that shows you exactly where your financial exposure is — and what it would take to eliminate it. No sales pitch. No pressure. Just a clear picture of where you stand.
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Tell me a bit about your situation and I'll be in touch within 24 hours.
Common questions