Episode 211 - Who Protects the Practice When the Owner Can’t Work?

Smarter Vet Financial Podcast

Smarter Vet Financial Podcast
Episode 211 - Who Protects the Practice When the Owner Can’t Work?
Sep 18, 2026
Florida Veterinary Advisors

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What happens to your veterinary practice if you're unable to work?

Many practice owners focus on personal disability insurance, but often overlook how a disability could impact their practice, employees, business partners, and long-term business value.

In this episode, Florida Veterinary Advisors co-founders Tom Seeko and CJ Burnett discuss the three areas of disability planning practice owners should understand:

• Individual Disability Insurance (IDI)
 • Business Overhead Expense (BOE) Insurance
 • Business Buyout (BBO) Insurance

They explain how each type of coverage works, common gaps they see among practice owners, and why reviewing existing coverage may be one of the most important conversations a business owner can have.

Whether you're a solo owner or have partners, this episode highlights practical considerations that can help protect your practice when the unexpected happens.

Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/

Watch the no cost 5-part video course to review your finances and see where you could be doing better in your finances:
5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/

Find out what you could be overlooking within your practice by taking our brief assessment:
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/

Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice:
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Episode Artwork Episode 211 - Who Protects the Practice When the Owner Can’t Work? 25:30 Episode Artwork Episode 210 - Your Income Went Up. Why Doesn’t It Feel Like It? 20:13 Episode Artwork Episode 209 - When Is It Actually Okay to Spend More Money? 30:50 Episode Artwork Dr. Ivan Zak on The Burnout Triggers Every Vet Should Know 29:34 Episode Artwork Episode 208 - What Is a Veterinary Job Really Worth? 26:33 Episode Artwork Episode 207 - Financial Independence Isn't a Number; It's Adaptability 21:20 Episode Artwork Episode 206 - SAVE Is Over: What Student-Loan Borrowers Should Do Now 26:16 Episode Artwork Always Be Hiring: Trends + Retention Lessons for Vet Practices with Stacy Pursell 29:39 Episode Artwork SVP Rewind: Rethinking Mental Health and Personal Growth with Dr. William Anton 44:20 Episode Artwork SVP Rewind: Dr. Ernie Ward on Leadership, Imposter Syndrome & Becoming Your Best Self 29:58 Episode Artwork How SmartVet AI Helps Vets Reduce Cognitive Load & Improve Decisions with Dr. Jamie Laity 25:32 Episode Artwork Understanding Veterinary Real Estate, Leasing vs. Owning, and Future-Proofing Your Practice with Brian Wine 26:18 Episode Artwork How Remote Teams & AI Are Changing Veterinary Practices with Kelly Cronin 29:02 Episode Artwork Episode 205 - 4 of 4: Why Many Practice Owners Regret Selling 27:35 Episode Artwork Episode 204 - 3 of 4: How to Turn Your Practice Sale Cash Into Income 29:14 Episode Artwork Episode 203 - 2 of 4: The 5 Years Before Selling Your Practice Matter Most 30:23 Episode Artwork From Big Decisions to Bigger Impact: Leadership Lessons with Dr. Emily King 29:55 Episode Artwork Episode 202 - 1 of 4: Is Your Veterinary Practice Actually Sellable? 24:08 Episode Artwork Episode 201 - Why Two Veterinarians Can Earn the Same… But Build Completely Different Lives 24:31 Episode Artwork Episode 200 - What Actually Matters Financially 26:49 Episode Artwork Episode 199 - The Trials & Trivia of Practice Ownership 20:41 Episode Artwork Communication, Connection & Mental Health in Vet Med with Catherine Haskins 27:54 Episode Artwork Episode 198 - The Hidden Cost of Financial Avoidance in Veterinary Medicine 28:57 Episode Artwork Solving HR, Retention & Culture Challenges in Vet Practices with Anthony LaPolla 27:09 Episode Artwork Episode 197 - Is Imposter Syndrome Quietly Driving Your Career? 26:56