Voluntary Income Protection Combined Income Protection Retirement Protection Plus Home-Based Business Owner Overhead Expense Disability Buyout Qualified Sick Pay Agent Locator

"I have been very pleased with the service I have received and have had two policies a long time. Keep up the good work."

Personal DI Customer

Features:	1	2
Working another job
High benefits
Partial disability
Lifetime benefits
Non-cancelable

	Berkshire Life
	Leading Competitor

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Business DI

Business DI

Abundant Protection for the Business Owner and the Professional.

Whether you’re a sole proprietor, a partner in a business or a professional in a practice, you need special forms of disability insurance to protect your business and yourself. And with Berkshire Life Insurance Company of America you get the highest quality business DI around:

Policies that pay benefits or reimburse expenses if you are unable to perform the material and substantial duties of your own occupation due to a covered sickness or injury.
Policies that can fund buy-out agreements in the event of a serious prolonged - or permanent - total disability.

Learn more about the different kinds of coverage Berkshire Life offers specifically for businesses.

Voluntary Income
Protection

A Voluntary Income Protection Plan can significantly add to your benefit package without placing additional pressure on your bottom line.

Combined Income
Protection Plans

A customized benefit program for those who contribute the most to the business.

Retirement
Protection Plus

You know the importance of planning ahead, that is why you’ve worked hard to set aside money for your retirement...

The Home-Based
Business Owner

Who say’s you can’t be in business without leaving home? Not you! You’re the boss – and the receptionist, the CFO and the head of maintenance, too.

Other Products

Overhead Expense

Who pays the office expenses if you're disabled? See how Overhead Expense insurance can help keep your business or practice going even if you, a partner or other owner is too sick or injured to work. Available for professionals and for business owners.

Disability Buy-Out

An important consideration for any business or professional practice with more than one owner or partner. See how Berkshire Life’s DBO can help your business and serve all parties’ interests in the case of a principal’s long-term disability.

Qualified Sick Pay Plan (QSPP)

Here’s a “perk” that can help you attract and keep the best in the business. Offer your most valued employees our Qualified Sick Pay plan to help replace their income if they become disabled.

Forms 4100, 5100

Disability income products under written and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America, New York, NY. Products not available in all states. Product provisions and features may very by state.