What Is Petersen Disability Insurance?
Petersen Disability Insurance offers specialty disability insurance for a wide range of occupations and situations. Available through Petersen International Underwriters, coverage provides financial protection after a disability affects your ability to work or maintain your business. Each solution addresses specialized risks and financial responsibilities and is available through Insubuy, a long-trusted licensed insurance broker for Petersen products. Available options include personal, business, athletic, and pilot disability insurance for different coverage needs.
Why Petersen International Underwriters?
Petersen International Underwriters specializes in surplus lines disability insurance for complex cases and high-limit coverage needs. As a Lloyd's coverholder, Petersen offers disability solutions that may not be available through traditional insurance markets. Personal, business, athletic, and pilot disability insurance address distinct occupations, financial responsibilities, and specialized coverage requirements.
Each disability insurance category addresses different occupations and financial priorities, with options tailored to distinct coverage needs and long-term goals.
Petersen Disability Insurance Products
Personal Disability Insurance
Financial independence often takes years to build, but it can change much faster than expected. Personal Disability Insurance replaces a portion of lost income, preserving long-term financial stability. Individuals and families protect the future they have worked hard to create.
Your future deserves the same protection as your income.
Business Disability Insurance
Years of work can shape a successful business, yet unexpected events can place everything at risk. Business Disability Insurance protects businesses from the financial impact of a disability affecting ownership, leadership, or daily operations. Business owners protect the companies, employees, and legacies they have built.
What you build today should continue creating opportunities tomorrow.
Athlete Disability Insurance
Athletic careers often follow a different path than most professions, with earning opportunities tied closely to physical performance. Athlete Disability Insurance recognizes the financial impact of interruptions that can change a competitive career. Amateur and professional athletes preserve the careers they have spent years building.
Your athletic career deserves the same commitment you bring to competition.
Pilot Disability Insurance
Professional flying demands years of training, discipline, and experience before a career ever takes flight. Pilot Disability Insurance addresses the financial impact of interrupted flying careers and the resulting loss of income. With income protected, pilots can continue to support their families and build the future they worked hard for.
Your future deserves the same commitment you bring to every flight.
Specialty Disability Coverage Benefits
Why Specialized Occupations Need Disability Protection
Income often depends on specialized skills, professional credentials, business ownership, or physical performance that cannot be easily replaced in the event of a covered disability. Executives and other professionals may have limited opportunities to replace lost income during an extended recovery. Business owners remain responsible for operating expenses, payroll, and key personnel. Athletes rely on physical performance to compete and earn income. Pilots must maintain medical certification to continue flying. Petersen Disability Insurance addresses financial risks associated with specialized careers, business ownership, and professional responsibilities.
A covered disability can affect far more than a paycheck. Mortgage payments, business expenses, employee salaries, training investments, and everyday living costs may continue long after income is interrupted. Replacing lost income or maintaining business operations can become financially challenging without appropriate protection. Financial consequences often extend beyond the individual to family members, business partners, employees, and others who depend on continued income or business operations. Appropriate disability coverage preserves financial stability when a covered disability disrupts income, business operations, or future earning potential.
How Petersen Disability Insurance Works
Begin by selecting the disability insurance product that best fits your occupation and coverage needs. Complete the Disability Insurance Quotes Request Form to request an initial quote. Quote estimates are based on the information provided, while final rates and eligibility are determined during underwriting after a completed application is submitted. Once approved, coverage takes effect according to the policy's terms and effective date.
Eligibility and Coverage Details
Why Petersen Disability Insurance?
Frequently Asked Questions
Own-occupation disability insurance pays eligible benefits when a covered disability prevents you from performing the duties of your own occupation, even if you can work in another occupation. Standard disability insurance may require that you cannot perform the duties of any occupation, depending on the policy definition.
Petersen Disability Insurance is intended for individuals and businesses with disability coverage needs that extend beyond many traditional policies. Eligible applicants may include executives and other professionals, business owners, competitive athletes, pilots, and others whose occupations, income, or financial responsibilities require specialized disability insurance.
Temporary athlete disability coverage provides eligible benefits while a covered disability interrupts training or competition for a limited period. Career-ending disability coverage applies when a covered disability permanently prevents an athlete from returning to the sport, protecting future earning potential after a career-ending injury.
Pilot loss of license coverage applies when a medical condition prevents a pilot from maintaining the medical certificate or license required to continue flying. The coverage addresses the financial impact of losing flight eligibility due to a covered disability. Pilot disability insurance addresses financial risks unique to aviation-related occupations.
Key person disability insurance provides financial protection when a covered disability affects an employee whose leadership, expertise, or specialized skills are essential to business operations. The coverage reduces the financial impact of losing a key contributor while the business adapts to changes in leadership or operations.
To get a disability insurance quote through Insubuy, choose the disability insurance product that matches your occupation and coverage needs, then complete the Disability Insurance Quotes Request Form. The information submitted is used to prepare an initial quote before your application and underwriting process begins.
Protect Your Life’s Work
No one expects a disability to interrupt carefully built plans, financial goals, or future opportunities. Preparing in advance provides greater confidence when life changes unexpectedly. Thoughtful planning today preserves financial flexibility for whatever the future may bring. Explore Petersen Disability Insurance products, compare available options, and request a personalized quote through Insubuy.
Choose CoverageLooking for a different type of coverage?
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Term Life Insurance
Financial protection for loved ones throughout the selected term life insurance policy period with fixed coverage benefits.
AD&D Insurance
Financial benefits for eligible accidental death, dismemberment, and other covered accidental injuries and qualifying losses.
Specialty Insurance
Insurance solutions for unique risks, specialized occupations, and situations beyond the scope of many standard insurance policies.