Which policy is primarily aimed at covering ongoing business expenses during an owner's disability?

The policy primarily aimed at covering ongoing business expenses during an owner's disability is Business Overhead Expense insurance. This type of insurance is specifically designed to help business owners pay for necessary expenses that continue to accrue even when they are unable to work due to a disability. These expenses can include rent, utilities, payroll for employees, and other fixed costs essential to keep the business operational during the owner's absence.

Disability Income Insurance generally provides personal income replacement for individuals who are unable to work due to disability, but it does not specifically target business-related expenses. Property Insurance covers damage to physical assets of the business, while Liability Insurance protects against claims for damages made by third parties. Neither of these options addresses the ongoing operational costs that need to be paid regardless of the owner's ability to work. Thus, Business Overhead Expense insurance is the most relevant and appropriate policy for this scenario.