Overhead Expense insurance is important for which of the following scenarios?

Overhead Expense insurance provides critical financial protection for business owners in the event that they become disabled and unable to work. This type of insurance is designed to cover the ongoing business expenses that do not cease during the owner's absence. These can include rent, utilities, salaries of employees, and other essential costs needed to keep the business operational while the owner recovers.

This insurance is particularly important because it allows the business to maintain its normal operations even when the owner is unable to contribute or manage the business due to health reasons. It ensures that the financial burden of these expenses does not jeopardize the business's sustainability during a potentially challenging time.

In contrast, employee health benefits primarily focus on the well-being and healthcare coverage for employees rather than the operational continuity of the business itself. Equipment insurance costs are related to insuring physical assets rather than addressing ongoing business expenses. Protecting client investments is typically associated with financial planning and wealth management, which does not directly relate to the overhead costs of running a business during the owner's period of disability.