Which of the following is a primary goal of Business Overhead Expense insurance?

Business Overhead Expense insurance is designed specifically to cover the ongoing operational costs of a business in the event that the owner becomes disabled and unable to work. The primary goal of this type of insurance is to maintain cash flow during the owner's disability. This allows the business to continue paying its regular expenses such as rent, utilities, salaries, and other operational costs, ensuring that the business can remain stable during a challenging time.

This type of coverage is particularly important for small business owners, as a disability can lead to significant financial strain if the business is unable to generate income. By alleviating some of the financial burden, the insurance allows the business to continue operating and ultimately increases the likelihood of its survival while the owner is recovering.

In contrast, the other options—such as increasing employee retention, facilitating business growth through loans, or enhancing product quality—do not directly relate to the immediate financial support needed during the owner's disability. Each of these elements could be important to the overall health and success of a business but is not the primary focus of Business Overhead Expense insurance.