Support your small business clients when it matters most
MassMutual’s enhanced Business Overhead Expense (BOE) insurance is designed to help your clients protect what they’ve built. With industry-leading coverage, competitive pricing and built-in flexibility, it’s a smart solution for business owners facing the unexpected.
If a disability prevents your client from working for an extended period of time, BOE helps cover critical expenses — including, but not limited to, rent, leased equipment, certain employee salaries, utilities, and loan interest — so their business can stay operational.
Why MassMutual's BOE:
Some of the most competitive pricing and highest Issue & Participation (I&P) limits available
A new Business Loan Protection Rider1, 2
Four options to increase future coverage — MassMutual is the only carrier to offer four
Potential for dividends3
Backed by MassMutual’s long-standing financial strength 4
This isn’t just insurance — it’s a strategic tool to help your clients maintain business continuity and long-term resilience.
FOR FINANCIAL PROFESSIONALS. NOT FOR USE WITH THE PUBLIC.
State variations will apply, and the policy is not available in CA, MT, and NY.
1 Available for an additional cost.
2 Business Loan Protection Rider coverage is not a form of Credit Insurance. Reimbursable benefits are not paid directly to the Lender, may not equal the loan's minimum payment(s) required, and do not guarantee against loan default. MassMutual is not a party to any loan agreement between the Insured and the Lender.
3 Dividends are not guaranteed.
4 Financial strength ratings are as of 9/1/2025: A.M. Best Company: A++ (Superior); Fitch Ratings: AA+ (Very Strong); Moody's Investors Service: Aa3 (High Quality); S&P Global Rating: AA+ (Very Strong). Ratings apply to Massachusetts Mutual Life Insurance Company (MassMutual) and its subsidiaries, C.M. Life Insurance Co. and MML Bay State Life Insurance Co.; Springfield, MA 01111-0001. Ratings are subject to change.
MassMutual Strategic Distributors is a division of MassMutual.
Policies have exclusions and limitations.
Business Overhead Expense (policy form IS-BOE-24 et al., and ICC24-IS-BOE in certain states including North Carolina) is issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001.