As a business owner, you know it can be difficult to afford a sick day, let alone Long-Term Disability. Fortunately, ACBA members have access to exclusively-negotiated rates on Business Overhead Expense Insurance. Coverage is available for individual, incorporated or partnership practices to help alleviate the burden of rent, employee salaries and other overhead expenses.

For more information, including features, costs, eligibility, renewability, limitations and exclusions, please download the brochure to the right or call our licensed representatives at 855-874-0816.

Underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 on Policy form GMR. USI Affinity is licensed to transact business in all of the 50 United States and the District of Columbia. USI Affinity's state of domicile is Pennsylvania. 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. New York Life's state of domicile is New York, and NAIC ID # is 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.

AR Insurance License # 325944; CA Insurance License # 0G11911