Final answer:
The policy that best addresses the concern of a small business's financial survival in the event of the owner's disability is Business Overhead Expense (BOE) Insurance, designed to cover ongoing business expenses during the owner's absence.
Step-by-step explanation:
Within the context of financial protection for small business owners facing a potential disability, the policy that best addresses this concern is Business Overhead Expense (BOE) Insurance. This specific type of insurance is geared toward covering ongoing business expenses when the owner is unable to work due to a disability. Key Person Insurance is also relevant as it protects the business if a crucial member of the team is incapacitated, but BOE Insurance directly pays for the company's overhead costs such as rent, utilities, and staff salaries, thus ensuring business continuity during the owner's absence. Disability Buy-Sell Insurance would be more apt if there is a concern about the transfer of ownership following a disability. Business Interruption Insurance covers income loss due to a disaster-related closing of the business facility or due to the rebuilding process after a disaster, which is not specifically related to owner disability.