Income Protection for Individuals and Business Owners

For employees, disability insurance ensures financial protection when a medical condition affects their ability to earn a living. Many employers in Texas provide group disability insurance, but these policies often have limitations. Supplemental disability insurance can help bridge the gap, ensuring a more substantial income replacement percentage if you become unable to work.

For business owners and self-employed individuals, a customized disability insurance plan is essential. Without an employer-sponsored plan, your income could stop entirely if you are unable to work. David King Insurance provides disability insurance solutions that protect business owners, helping them maintain financial security while recovering from an illness or injury.

Business Overhead Expense Coverage

Business owners in Texas also need to consider the financial impact of their absence on daily operations. Our disability insurance options include business overhead expense (BOE) coverage, which helps cover essential expenses such as rent, utilities, employee salaries, and loan payments if the owner becomes disabled. This coverage ensures that the business remains operational while the owner focuses on recovery.

Personalized Disability Insurance Solutions in Texas

At David King Insurance, we understand that everyone’s financial situation and coverage needs are unique. Our experienced agents work closely with clients to assess their risks and provide tailored disability insurance policies that offer the best possible protection. Whether you need individual coverage, supplemental insurance, or business-related disability protection, we are committed to helping you find the right policy.

Texas residents and business owners can rely on David King Insurance for expert guidance and personalized insurance solutions. Contact us today to explore your disability insurance options and secure your financial future.