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Calculating Your Business Expenses
If a disability struck tomorrow, how would you pay your share of business expenses?
Business Expenses
Employee remuneration $ 
Business premises
Rent $ 
Utilities - electricity, heat & water $ 
Property taxes $ 
Property insurance premium $ 
Mortgage interest & principal payments (or scheduled depreciation) $ 
Business furniture & equipment, including automobiles & other vehicles
Leasing $ 
Loan interest (or scheduled depreciation) $ 
Loan principal repayment $ 
Communication services
Telephone (excluding long distance charges) $ 
Postage $ 
Other $ 
Other expenses
Independent legal & accounting services $ 
Professional, trade association & union membership fees $ 
Business insurance premium $ 
Other $ 
Total monthly business expenses $  Calculate 1
Current monthly business expense coverage $ 
Monthly shortfall $ 
Calculate 2
Clear

When you add up the facts, do you need additional protection for the portion of these business expenses that you are responsible for?

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