Business Overheads Cover

Protect your business against accumulating overhead expenses while you are unable to work

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As a business owner, having Business Overheads Cover from Investec Life ensures that your business doesn’t suffer unnecessarily in your absence.

One of the biggest risks you as a business owner face is if something happens to you. Absence from work could have serious implications on your ability to carry out key functions. It’s important to have a contingency plan in place if you are unable to perform your duties –  comprehensive business overheads cover plays a critical role in your plans.

Business overhead protection is intended to offset your business expenses if you are unable to work due to illness, injury or disability by paying you a monthly amount so you can keep paying your business expenses. This payout could be used to pay day-to-day expenses, such as rent and utilities.

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A flexible payout

You choose how long we payout for: a maximum 12 or 24 months.


Covers up to 100% of qualifying business overheads for non-permanent and permanent events.


Designed and priced for you as an Investec Private Banking client.


Qualifying criteria for Business Overheads Cover

To qualify, you need to have (or be in the process of applying for) Investec Life’s Income Protection Cover benefit.

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Why do you need business overheads cover?

Life doesn’t stop when you are ill or injured. You will still need to pay your bills and make sure your business doesn’t suffer unnecessarily in your absence. As a business owner it is important that you consider how best to protect your business circumstances should you be unable to work. Business overheads cover plays a critical role in ensuring that your business can continue to run in your absence.

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Download our Business Overheads Cover brochure to find out more

You know just how much time and energy goes into running a business. It’s a relief to know your business can remain healthy — while you focus on your recovery.

Business overhead expenses include

Business overhead expenses include, but are not limited to, the following:

  • Rent and mortgage interest of business premises
  • Interest portion of other debt repayments
  • Salaries of staff unable to generate turnover in absence of the Life Covered
  • Water, electricity, property taxes and levies
  • Regular maintenance services
  • Internet and telephone services
  • Instrument/equipment leasing costs
  • Accounting services
  • Insurance premiums
  • If a locum* is employed and the business does not suffer business overhead expense loses during the period that the Life Covered is unable to work, the cost of the locum. * will be covered subject to the cover amount.

Business overhead expenses exclude

Business overhead expenses exclude, but are not limited to, the following:

  • The Life Covered’s income (Income Protection Cover from Investec Life will cover this)
  • Depreciation
  • Cost of stock, new furniture, and new instruments or equipment
  • Capital portion of debt repayments
  • Expenditure on assets
  • Drawing accounts
  • Salaries of staff who are able to generate turnover in the absence of the Life Cover
  • Retrenchment costs
  • All personal expenses not related to business expenses
  • Any payments to other persons or institutions who share the profits of the business
I’m interested

I’m an existing Private Banking client

It’s simple and easy to apply. Log into Investec Online or the Investec App. Click on the ‘Protect’ tab. Click on 'Life insurance'.

I’m not an existing Private Banking client

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