Provided by Specialty Group

Buy Sell Disability

Protects a business should the owner of the business suffer permanent and total disability.


Many successful enterprises are built on the foundations of a successful partnership. But when that partnership is threatened by the disability of one of the partners, the whole future of the business can be thrown into doubt.

Buy sell disability insurance can protect the continuity of ownership and the business itself by providing the funds for the active partner to purchase the balance of the business from the disabled partner.

Whether it’s a stock redemption or a cross-purchase agreement, Tokio Marine HCC has the underwriting expertise to design a plan to meet your needs.


  • Three year policy periods
  • 12 or 24-month elimination periods
  • Lump sum option available
  • Worldwide coverage

Best for

  • Business owners
  • Partners
  • Shareholders



Summary of coverage

Coverage provides a lump sum benefit when an owner suffers permanent and total disability resulting from an accident or illness. Often the elimination period is 12 months or follows the terms of buy sell agreement. The payout of the policy provides funding for the active partner to purchase the disabled executive’s portion of the business.

Your team

Head office

401 Edgewater Place Drive, Suite 400
Wakefield, MA 01880

Contact photo
Kathy Bouras

USA - Vice President of Prestige Underwriting

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why choose tmhcc

Why choose Tokio Marine HCC?

Tokio Marine HCC is a leading specialty insurance group with offices in the United States, Mexico, the United Kingdom and Europe, transacting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance.

More about us Financial strength

Not all products, coverages, or features may be available in all states. Restrictions, exclusions, limitations, and conditions apply and you should see your agent for more information. Certain products and services are provided through non-admitted insurance carriers and are not subject to certain State Guaranty Funds.