Tina is insured under a business overhead expense insurance policy. Which of the following would be covered if she were to become disabled?

Business overhead expense insurance is designed to cover the necessary expenses that a business owner must continue paying during a period of disability. These expenses typically include things like rent, utilities, employee salaries, and other fixed costs essential for maintaining the business’s operations even if the owner is unable to work.

In this scenario, if Tina becomes disabled, the coverage under her business overhead expense insurance would specifically address the rental expenses for the business property. This ensures that the business can continue to operate and fulfill its obligations, providing a safety net for business owners during unpredictable times.

The other options do not align with the primary purpose of business overhead expense insurance. A decrease in the company's valuation does not represent an ongoing expense but rather an impact on the business’s worth. Tina's salary, while an important aspect of her income, typically falls outside the scope of business overhead expenses since the policy is focused on business-related costs, not personal salaries. Dividends owed to shareholders are also not covered; they are considered distributions of profit rather than overhead expenses necessary to keep the business running during a period of disability.