Group Professional Overhead Expense Insurance

Could your practice keep running without you? Personal disability insurance may help your family with loss of your income, but they probably won't cover your monthly office expenses. Professional Overhead Expense Disability Insurance can help protect your practice and your assets by paying rent, utilities and other expenses so it can continue to operate in your absence.

Key features and options:

  • Available1 for ABA lawyer members residing in the U.S., Puerto Rico, and the U.S. Virgin Islands under age 65 in practices with five or fewer attorneys.
  • Coverage amounts up to $10,000 a month.
  • Benefits payable up to 1 year.
  • Covered business expenses include:
    • Rent
    • Interest payments on outstanding eligible business debts
    • Utilities (heat, water, telephone, electricity, etc.)
    • Non-attorney employees' salaries and payroll taxes
    • Postage and stationery
    • Equipment maintenance
    • Rental, lease, or depreciation of office equipment
    • Monthly average of taxes on the premises
    • Insurance premiums for Workers' Compensation, Employee Medical Plans, General Liability, Professional Liability/Malpractice
    • Accounting fees
    • Professional memberships and/or subscription dues
  • Portable,2 so you can take your coverage with you through changes in your career.

For additional details including assignment of dividends, features, costs, eligibility, renewability, exclusions and limitations, refer to the Professional Overhead Expense Insurance Brochure.


Estimate your rate.


Talk with an ABE Specialist.


Your generosity made over $7.6 million in grants possible for 2023.

1Not available for residents of VT. For more information, contact an ABE-Insurance Plan Specialist at 1-800-621-8981 or information@abenet.org.

2Subject to U.S. Government regulations on restricted countries.


About the Carrier

Underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 under Group Policy 5381-0 on Policy Form GMR.

New York Life is licensed/authorized to transact business in all of the 50 United States, the District of Columbia, Puerto Rico and Canada. However, not all group policies it underwrites are available in all jurisdictions. New York Life's state of domicile is New York and NAIC ID # 66915.



Bonnie Czarny (ABE), is licensed in AR, Ins. Lic. #404091 and CA, Insurance License # 0H99426.

All ABE-sponsored insurance is designed to generate dividends; however dividends are not guaranteed. For more information, visit our Dividend Notice page.

Call 1-800-621-8981 to speak with an ABE Insurance Plan Specialist.

“ABE was an easy choice for me with their exclusively priced coverages and accessibility to the insurance I need. It is an added bonus that ABE supports critical and impactful work within the legal profession and the communities we serve."

– Tamara Nash, Vermillion, SD

The experience of the people described in this material may not be representative of the experiences of other members.