APB Financial Architect Independent Insurance Specialist Book Free Diagnostic
Business Owners · New York

If you can't work, who runs the business? And who pays your bills?

NYC business owners need two layers of disability coverage: personal income protection and business overhead protection. Most have neither.

The gap nobody talks about

A disability hits a business owner differently than it hits an employee

An employee on disability leave stops receiving a paycheck. A business owner on disability leave stops receiving a paycheck AND continues to owe rent, payroll, utilities, and loan payments — from a business that's running without its key driver.

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NYC commercial rent doesn't pause for illness

A $8,000/month office lease in Manhattan is a fixed obligation. A $15,000/month in Brooklyn isn't different. Business overhead disability insurance pays those fixed costs while you're recovering — so the business survives your absence.

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Your employees depend on you showing up

Payroll is typically the largest business expense. A business owner disability causes immediate cash flow pressure on the entire team. Business overhead coverage can include payroll protection during a covered disability.

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Most business owners have no personal DI coverage at all

S-corp and LLC owners often don't qualify for group disability coverage the same way W-2 employees do. And without a W-2, the standard group plan doesn't apply. Individual DI policies for business owners are underwritten differently — and often misquoted by advisors unfamiliar with this market.

AB

Ayodele Peter Boglo — Independent Insurance Specialist

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.

21 years as Oracle
Principal Consultant
45 countries,
global experience
4 licensed states
(NY, NJ, MD, TX)
∞ independent market
access, no captive
Free · No obligation · 30 minutes

The Financial Resilience Diagnostic

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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Income protection gap analysis specific to your situation
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Personal disability income insurance and business overhead expense (BOE) coverage for NYC business owners. Two separate policies, structured together. Multiple carrier access.
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Market comparison across multiple carriers — not just one
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Clear next step (or confirmation you're already covered)
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By submitting this form, you consent to being contacted by APB Financial Architect regarding insurance products and services. Your information is protected and will never be sold to third parties. APB Financial Architect is an independent insurance specialist licensed in New York (license #LA-1904166), New Jersey (license #3004017274), Maryland (license #3003689320), and Texas (license #3533820). Insurance products are not FDIC insured, not bank guaranteed, and may lose value. This page provides educational information only and does not constitute financial advice.

Common questions

NYC business owner questions about disability insurance

BOE insurance pays your fixed business expenses — rent, utilities, employee salaries, loan payments, insurance premiums — when you're disabled and can't work. It's separate from personal DI insurance and specifically designed for self-employed people and business owners.
Most BOE policies have benefit periods of 12–24 months. The logic: that's enough time to recover, hire a replacement, or wind down the business in an orderly way. It's not designed as a permanent income replacement — that's what personal DI covers.
Yes. Business overhead expense insurance premiums are generally deductible as an ordinary business expense. The benefit payments are taxable income when received — but you use them to pay deductible expenses, so the net tax impact is typically neutral.
Coverage amount equals your monthly fixed overhead — rent, payroll, utilities, loans, professional fees. We add up your actual monthly fixed cost and match the policy to that number. The Financial Resilience Diagnostic walks through this calculation specifically.
No. APB Financial Architect is an independent insurance specialist, not a registered investment advisor or financial planner. The services here cover insurance products: life insurance, disability income, annuities, and voluntary benefits. For investment advice or securities, you'd need to work with a licensed investment advisor or broker-dealer. Insurance products are not securities and do not involve investment advice.