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Business Expense Insurance

We take care of your future

Office overhead expense insurance helps protect your business while you manage any health issues!

Business expense or office overhead insurance is an important coverage that will help you pay your fixed costs according to the insured amount and the indemnity period you have chosen. From your employees’ salaries to your rent, electricity bills and more, avoid the negative impacts of an illness or injury that could prevent you from working for a few months. That way, you can take care of your recovery worry-free!

Did you know that business expense or office overhead insurance premiums are tax-deductible business expenses?

Choose this type of coverage to protect your future and your employees in every way:

  • Employee salaries
  • Rent
  • Public services and utilities
  • Professional membership fees
  • Equipment depreciation
  • And more!

You wish to find out more? Ask us for advice

Speak with an advisor

Are you a practice or clinic owner? Have you thought about protecting yourself in case of civil liability, fire or theft? Click here to learn more.

Did you know that...

Overhead expense insurance is recommended for any business professional or manager, especially if fixed operating costs are paid from your owner income. It is used to pay the salaries of quality employees you wish to retain as well as to cover your fixed costs in the event of disability, such as rent, utilities, property taxes, etc. It's essential coverage to ensure the survival of your business!

Calculate your needs

Use our handy tool to calculate the amount you need.

SOGEMEC Calculator

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Fédération des médecins spécialistes du Québec
Did you know that Sogemec Assurances is a subsidiary of your Federation?

"Your professional and personal needs evolve during your career and your life. Our association’s bargaining power enables us to design and maintain superior quality products and services."

— Dr. Vincent Oliva, FMSQ President

IMPORTANT NOTICE – CANADA POST WORKER STRIKE
Due to the mail delivery strike, renewal documentation will be sent to our policyholders via secure email. Please update your contact information or sign up for e-billing if you have not already done so.