While most professionals are likely to have disability insurance, many overlook insuring their overhead expenses. Bills won’t stop just because you can’t work. Rent, payroll and replacement hires continue to be paid though you aren’t earning anything. Policies that cover overhead expenses typically last up to two years and provide cash when you need it most. These policies are less expensive than disability contracts and relieve major stress. Even if you once purchased an overhead expense plan, it pays to revisit the policy as your expenses may have changed dramatically. Your practice may have grown since your initial inquiry. Adding an additional layer to your protection may be in order.