Business Overheads Cover

Life insurance made for living, just like you.

male working on laptop in a restaurant with a coffee


They say running a business is like raising a child – it needs constant care and attention to grow. But what happens when you need to step away to take care of yourself because of an illness, injury or a disability?

Investec Life’s Business Overheads Cover helps offset your business expenses while you recover, to ensure you can keep paying for things like rent, utilities, and even the salaries of your staff who rely on you. That way, you can focus on recovering, and still return to a thriving business.

The video on this page contains factual information and should therefore not be regarded as financial advice.

What does Business Overheads Cover include?

Business overhead expenses include:

  • Rent and the mortgage interest of your business premises
  • The interest portion of debt repayments
  • The salary of staff unable to generate revenue in your absence
  • Utilities and property taxes
  • Regular maintenance services
  • Internet and telephone service
  • Instrument/equipment leasing costs
  • Accounting services
  • Insurance premiums
  • A locum if the business does not suffer overhead expenses during the period you’re unable to work

What does Business Overheads Cover exclude?

Business overhead expenses not covered include:

  • Your own personal income
  • Depreciation
  • The cost of stock, new furniture and new instruments/equipment
  • The capital portion of debt repayments
  • Expenditure on assets
  • Drawing accounts
  • Retrenchment costs
  • Personal expenses not related to business expenses
  • Any payments to other people or institutions who share the profits of the business

Download brochure

Download our Business Overheads Cover brochure

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.

The Investec Life difference

Flexible payouts

You choose how long we pay you out for, up to a maximum of 12 or 24 months.

Comprehensive cover

You are covered for up to 100% of the qualifying business overheads for both permanent and non-permanent events.

Made for you

We design and price your policy according to your needs and lifestyle requirements.