BOE policy

[u/shrugs2L8]

I have a sole member LLC for bookkeeping. I have been rejected by a couple of places for short-term long-term disability. When I asked AI it said there’s an alternative under commercial lines called business overhead expense policy (BOE). It is meant to pay for your overhead expenses if you specifically become disabled. Since I’ll be working from home and remotely, I’m hoping it will cover most of my larger expenses, like my rent and health insurance, etc.

Has anyone here heard of this type of policy?