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Income protection for business owners

Help keep your employees and your business financially fit.

By replacing part of your income when an illness or injury keeps you from working, this important coverage can help ensure you don’t have to dip into savings or retirement assets to keep your business (and everyday life) running smoothly.

You can purchase disability insurance as standalone coverage, or as a supplement to group disability coverage. When you offer it at your worksite, you may be able to receive discounts.

Protection for your business and your employees.

Principal® offers flexible and affordable solutions to cover the unexpected.

Individual disability income insurance

Individual disability income insurance provides income replacement for your everyday financial needs.

DI Retirement Security

DI Retirement Security helps individuals continue saving for retirement if they become too sick or hurt to work.

Disability buy-out insurance

Disability buy-out insurance funds a buy-sell agreement to buy out a totally disabled business owner.

Overhead expense insurance

Overhead expense insurance reimburses your business for operating expenses.

Business loan protection

Business loan protection provides payments to help cover the cost of a business-related loan obligation.(Not available in all states.)

Key person replacement insurance

Key person replacement insurance helps offset temporary staffing and recruitment costs of the loss of a key employee.(Not available in all states.)

Reach out

Talk to a financial professional.

Talk to your financial professional to discuss disability protection strategies to meet your business needs. ​Don’t have one? We can help.

Find a financial professional


  1. Not available in all states.


This is an overview of the benefits of disability insurance, but there are limitations and exclusions. For cost and coverage details, contact your Principal® representative.

This communication is intended to be educational in nature and is not intended to be taken as a recommendation.

Insurance products issued by Principal National Life Insurance Co. (except in NY) and Principal Life Insurance Co. Plan administrative services offered by Principal Life. Principal National and Principal Life are members of the Principal Financial Group®, Des Moines, IA 50392.