What type of expenses does BOE insurance generally cover?

BOE insurance, or Business Overhead Expense insurance, is designed primarily to cover the operational expenses of a business when the owner becomes disabled and is unable to work. This type of insurance provides financial support to ensure that essential expenses such as rent, utilities, salaries, and other fixed costs continue to be paid during the period of the owner's disability.

While personal expenses of the business owner or costs related to marketing, advertising, and research and development can be important to a business's overall financial planning or growth strategy, they are not typically covered by BOE insurance. The primary focus of BOE insurance is to help maintain the ongoing operations of the business itself, ensuring stability and continuity in the face of unexpected interruptions caused by disability. Thus, option B is the correct choice, as it aligns directly with the fundamental purpose of BOE insurance coverage.