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To cover the running expenses of a business when a key owner is absent due to disability and he/she is unable to contribute to the normal turnover. Implementation: The Business identifies the key owners, on whom it depends for the generation of the business's income. The business insures these owners' lives so that if they become disabled, either permanently or temporarily, the insurer will pay a monthly amount to the business. The business uses such amount as it deems fit in the settlement of regular fixed expenses. Features of the solution Certain business expenses are included, whilst excluding others. Business expenses included: Rent or mortgage bond interest. Property taxes, electricity, water, telephone costs. Regular maintenance services cost. Equipment leasing costs. Insurance premiums. Accounting fees. Salaries of staff not engaged in the same profession. Business expenses excluded: Depreciation. The salary or other earnings of the policyholder, members of his family, any person performing the duties of the policyholder in his/her absence, or business associates. The cost of goods or merchandise or additions to inventory. The cost of furniture and equipment. Fees on current account. Capital repayments on any outstanding debt.
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