Group Business Overhead
Keep your business running smoothly with insurance that covers your operating expenses when you can’t.
As a business owner, you are painfully aware that the bills keep coming even if you aren't there. It can be difficult to afford a sick day, let alone Long-Term Disability. Fortunately, NYSBA members have access to specially negotiated rates on Office Overhead Disability Insurance. Coverage is available for individual, incorporated or partnership practices to help alleviate the burden of rent, employee salaries and other overhead expenses.
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Group Business Overhead
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USI AFFINITY + NEW YORK LIFE
We have partnered with New York Life to provide these coverages at very competitive rates. New York Life has received the highest financial strength ratings currently awarded to any U.S. life insurer from all four of the major credit rating agencies: A.M. Best (A++), Fitch Ratings (AAA), Standard & Poor's (AA+) and Moody's Investors Service (Aa1). Source: Third Party Rating Reports (as of 05/19/2025). The NYSBA's member-only Group Business Overhead Insurance program is underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 on Policy form GMR. New York Life Insurance Company is licensed/authorized to transact business in all of the 50 United States, the District of Columbia, Puerto Rico and Canada. However, not all group policies it underwrites are available in all jurisdictions. Please check the brochures for current availability. New York Life Insurance Company's state of domicile is New York, and NAIC ID # 66915.
Michigan Residents: I understand that I may use a producer/agent to assist me with the completion of this application at no cost to me.
NEW YORK LIFE and the NEW YORK LIFE Box Logo are trademarks of New York Life Insurance Company.
30-Day Free Look
Once coverage is approved, you will be sent a Certificate of Insurance summarizing benefits. If you are not completely satisfied with the terms of the Certificate, you may return it, without claim, within 30 days for a full refund.
AR Insurance License #325944 | CA Insurance License #0G11911. #5032647.3 Exp. 09/2028 WE_0337_0121_NYSBA