Office overhead expense (OOE) insurance

Off sick? Paid bills mean you can breathe easier 

When you run your own business, being away sick doesn’t feel like an option. And, a serious illness can make working impossible.

Office overhead expense (OOE) insurance helps take care of your bills, so you can take care of yourself.

How OOE insurance works

  • It’s payable if you’re temporarily disabled or seriously ill.
  • It covers the normal costs of running a business that’s outside of your home.
  • It pays staff salaries so they can keep working if you can’t be there.

Why choose OOE insurance?

  • You choose the level of coverage you need.
  • You get insurance savings, thanks to group pricing.
  • It’s important if you’re the only person who covers business expenses.

How much coverage can you apply for?

  • You can apply for a monthly benefit payment of $500 to $6,000 in units of $100.

Extra advantages

  • Change your coverage any time, up to your maximum1.
  • Pay no premiums if you’re totally disabled2 - before you turn age 653.

You're eligible if you’re:

  • a CAPIC member in good standing or an employee of CAPIC,
  • actively working at least 30 hours a week,
  • between the ages of 18 and 64 (coverage ends on your 65th birthday minus the elimination period),
  • a resident of Canada.

What's the cost?

Our rate sheets can provide you with a quick estimate. 

Find out more

Full descriptions and any exclusions are in your plan booklet, but here is a quick list of expenses covered:

  • Rent for office space,
  • Heat, water, electricity, telephone,
  • Office depreciation,
  • Salaries of employees,
  • Taxes on business premises,
  • Other fixed expenses normally related to running an office.

When does coverage end?

  • A member’s OOE payments end on the earlier of the following dates:
    • the date the member ceases to be Totally Disabled.
    • the date the member engages in any occupation for wage or profit.
    • the date the Benefit Period applicable to the member is attained.
    • the date Sun Life deems the member has failed to furnish satisfactory evidence of the continuance of Total Disability or fails to submit to medical examinations as required by Sun Life.
    • three months after the death of the Insured Member.
    • the date the member is not receiving appropriate treatment. 
    • the date the member reaches age 65 less the elimination period.

Take these three steps to apply:

Medical underwriting is required.


No benefits are payable for any Total Disability resulting from:

  • the hostile action of any armed forces, insurrection or participation in a riot or civil commotion.
  • Injury sustained or Illness contracted while in the military services of any country at war, whether such war be declared or undeclared.
  • normal pregnancy or childbirth.
  • intentionally self-inflicted injuries.

This website is intended only as an outline of the insurance policy, which is available upon request. The complete terms, conditions, exclusions and limitations governing the insurance coverage are found in the group insurance policy issued by Sun Life Assurance Company of Canada. The policy can be obtained by calling Sun Life at 1-800-669-7921, Monday to Friday from 8 a.m. to 8 p.m. ET or emailing

1 You’ll need to make your request in writing and provide evidence that you are insurable.

Total disability definition (for the purpose of OOE): A member will be considered totally disabled while the member is continuously unable to perform the essential duties of member’s own occupation.

3 If you’re totally disabled for a full 90 days before age 65 and receiving OOE benefits, you don’t have to pay OOE premiums as long as you remain totally disabled.


Call us at 1-800-669-7921
Mon to Fri 8:00 a.m. to 8:00 p.m. ET

Sun Life Assurance Company of Canada is the insurer of this product, and is a member of the Sun Life group of companies.