Disability insurance protects workers in the instance that they can no longer work due to a disability, whether that’s a short-term disability, or long-term disability with adverse and lasting effects.

There are many reasons why you should invest, not only protecting yourself, but your loved ones too. For example, let’s say you become injured at work and can no longer conduct your job. And while that in itself is tragic, the financial consequences could be severe – maybe you have a family to feed, a mortgage to pay, and little to no savings. It can be scary, we know.



In this instance, insurance may pay a premium and even a percentage of your salary, allowing you to have full confidence in your financials, focusing on recovery with less stress.

With this in mind, the remainder of this blog post will explain more about disability insurance, including the different types and who it’s for.

What are the different types of disability insurance?

At Professional insurance plans, we provide four main types of disability insurance:

  1. Individual insurance
  2. High-limit insurance
  3. Key-person insurance
  4. Business overhead expense insurance

Each type of insurance is designed for a different purpose. However, it’s worth noting that there is individual insurance designed to protect yourself, and then other insurances that protect a business from financial hardship due to the loss of a key employee who suffered a disability. 

To find out more about the different types of disability insurance, visit our dedicated page here.

But who is disability insurance for?

Various insurance types protect either employees, individuals, or the business. For example, a company can acquire insurance for their employees, but also a policy to protect the business and its overheads should the owner sustain a disability.

With 61 million adults in the United States living with a disability, according to the CDC, it’s essential to take action, safeguard yourself, protect your business, and look ahead to the unforeseeable, no matter how difficult or even uncertain it may be.

Are you ready to find out more?

Whether you’re looking for insurance to protect yourself, your employees, or your entire operation, it never hurts to have a backup plan. 

Contact us today to find out more – we’re here to help, providing you with the best plans to protect what matters most.