Commercial Insurance Can Benefit Your New Startup

It all began as an idea.  Now, through your hard work, your vision for a new business is becoming a reality.  As you build your new business serving the San Antonio, TX area, talk with your agent at Access Insurance Services to get the protection your startup needs in the beginning and as it grows. 

Commercial insurance provides protection in several meaningful ways.  The most common policies are Texas commercial general liability insurance policies.  These provide coverage in several key areas of potential liability concerns such as personal injury, property damage or injury resulting from advertising.  This is an overall liability policy for business. 

A commercial property insurance policy is key.  Much like a homeowners policy, it protects the business owner’s property from various threats.  This can include damages from fire, water, weather events or theft.  If your business is in or near a flood zone, talk with your agent about adding this level of coverage to your policy. 

A workers compensation policy protects should an employee be injured on the job and is a must for any business.  If your employees or contract workers use company vehicles to complete their duties, the corporation will need a Texas commercial auto insurance policy. 

Many startups opt for the convenience and cost effectiveness of business owner packages.  These combine the various types and levels of business insurance policies into one package.  By working with an independent agent, quotes from a variety of insurers can be considered.  This generally results in coverage that is most appropriate for the business and its work, as well as, cost-effective. 

Your agent at Access Insurance Services, serving the San Antonio, TX area, finds the coverage you need.  They can provide information on employee benefits, such as group life insurance.  Call today!

Commercial Life Insurance vs. Personal Life Insurance

All life insurance is not the same. Each type of policy is designed to cover specific aspects of the subscriber’s life. The variety of policies can be confusing. The experts at Access Insurance Services wants to ensure that you choose the right insurance products for your special circumstances. These facts about commercial and personal life insurance will help you understand the role each one plays when building a comprehensive financial protection plan.

What is Personal Life Insurance?

Personal life insurance policies are designed to provide a source of income to your dependents in the event of your death. Named beneficiaries are usually spouses, children, or other blood relatives who rely on the subscriber financially. Buyers can choose different levels of coverage. With term life policies, the subscribers can specify the length of coverage they need. Whole life policies build cash value that buyers can use as a source for convenient, low-interest loans.

What is Commercial Life Insurance?

Commercial policies pertain to business holdings. There are several different types of commercial life insurance policies, each with its own advantages and beneficiary rules. One of the most common is individual life coverage, which pays the subscriber’s family enough to prevent the forced sale of business assets to satisfy liens on personal property. Many small business owners use their family’s home as collateral for loans that are used to invest in commercial operations. Buy-sell agreements and key person insurance are other commercial life policies that help keep your business in the right hands after you’re gone.

Life insurance is an essential part of any long-term financial plan. Choosing the right policies can be tough. Contact the representatives at Access Insurance Services in the San Antonio, TX area. We help residents and business owners in the San Antonio, TX region get the coverage they need to protect all the things they care about.  

5 Facts About Home Insurance

San Antonio, TX is among the most populated cities in the United States. Such a populous city has a sizable number of homeowners. Access Insurance Services specializes in providing you with an advanced solution to all your home insurance needs.

Very often, homeowners buy insurance but are not able to enjoy the full benefits due to lack of information. The following are five facts about home insurance everyone must know. 

What is covered?
The standard home insurance policy covers the following:
•    Building structure 
•    Damages to third parties 
•    Personal property
•    Additional structures on the property

Building Structure
The policy pays for repair or rebuilding of the actual physical structure, which is the house if damaged by natural disasters, fire or vandalism. 
The structure also includes attached structures and detached ones such as the garage and the fence. 

When you have a visitor and is accidentally injured in your house, the policy covers their medical expenses. If they sue, the policy covers losses arising from the lawsuit as well.

Personal property
The home insurance also covers personal property in the house ranging from expensive electronics to jewelry. They could be stolen or damaged by a fire. The policy includes repair or replacement costs.

When Coverage Limit is exceeded
It is prudent mentioning that home insurance coverage has limits. If the threshold of coverage is exceeded, you may have to dig deep into your pockets. However, you can get umbrella insurance policy to safeguard you from such massive losses. 

Home insurance is essential for homeowners in San Antonio, TX. It not only protects you from financial losses but also visitors and family. More importantly, it helps you repair items that you worked so hard to acquire in case of damages. For more information, get in touch with Access Insurance Services

Turning Over a New Leaf in 2018: Tips for Better Driving

There are plenty of tips out there about being a better driver, but they likely all run together at a certain point. Yes, you should pay attention, yes you should be driving according to the posted signs, no you probably shouldn’t try to outrun a cop if they happen to turn on their bright lights. But what does being a better driver in 2018 mean for you? Access Insurance Services helps drivers with our auto insurance coverage, but we want to take it a step further. 

Eliminate Your Blind Spot 

Did you know that by readjusting your mirrors, you can eliminate your blind spot entirely? There’s a lot of theories out there, but essentially you need to push out the mirrors so you can’t see the side of the cars at all. The rearview mirror will give you coverage in back, and the side mirrors should now should you everything (including whatever happens to be in your blind spot.)

Turn on Your Headlights 

It may be a good idea to keep your headlights on at all times in an effort to increase your visibility on the road. Anything from fog to clouds can obscure your vehicle until it’s too late. If you live in San Antonio, TX, you’re certainly used to a lot of sunlight. However, getting into the habit can be a good way to mitigate any potential accidents you may get into. 

Access Insurance Services serves the people of San Antonio, TX, and we’re happy to help you find ways to be a better driver. Part of that is getting better auto insurance that will keep you covered no matter what happens on the road! Give us a call today to learn more about how we can help! 

Does Your Street Vending Business Require Commercial Insurance?

If you came  into the Access Insurance Services agency offices located in beautiful San Antonio, TX and asked that question, we would ask you to sit down in one of our comfortable chairs and tell us about your street vending business. Oh yeah, we’d offer you a beverage of your choice as well. The fact is that insurance is all about your liability. We’d have to get to know your street vending business before we can recommend what type of insurance you would need to provide adequate protection. 


The most important factor in learning what type of liability you have in terms of your street vending business is to understand what you are selling. Are you selling an item that you manufacture or is it purchased elsewhere? Is your business in the market of selling food stuffs or cuisine? Are there any inherent risks involved in the merchandise you are selling to the public? Does the products you sell have their own warranty attached to the item or is your business the resolve of any issue they may face? 

A major facet of having insurance is all about protection in the event that things don’t go according to plan. Getting to know your business is key in underwriting your protection plan.  

Access Insurance Services is known for providing insurance coverage protection for the major aspects of your life. That is the automobile, homeowners and commercial insurance policy focus of our agency means we have become expert on what matters most to you. Typically these points of coverage takes care of the most financially involved areas of a clients responsibility. If you are in San Antonio, TX or the neighboring areas please come in today to discuss how having the proper insurance can simplify your to-do list instantly.  

3 Ways To Protect Your Family

The most important people in a person’s life are their family member. Loved ones often find themselves experiencing financial hardships following the loss of a family member. While unfortunate, there are ways to prevent mourning family members from undergoing certain financial burdens.

Life insurance policies have been around for a long time. They have been helping families for years and are a vital component in safeguarding the family’s assets following one’s death. Serving San Antonio, TX, Access Insurance Services provides multiple avenues for protecting families during the grievance of one’s passing.

One way to ensure financial relief following an individual’s passing is to invest in what’s known as a whole life insurance coverage. This can be helpful considering it includes a saving’s account and allows for particular dividends to continue growing.

Another route to take is what’s known as a term life insurance policy. While it is more affordable, it boasts less benefits but can provide relief nonetheless. After all, it’s a person’s loved ones who are left with the responsibilities when a family member passes. Why not utilize one of the various coverage plans to alleviate those difficult times?

Having served San Antonio, TX for a multitude of years, Access Insurance Services and their many qualified agents can provide immediate ease with their knowledge and expertise. Anybody and everybody should be prepared for the untimely events that can occur at random. Those who will be leaving behind family members should contact Access Insurance Services as soon as possible to learn about their different package options.

Whether inquiring about a whole life insurance coverage, a term policy or simply wishing to speak to an agent today, it’s never too early or too late to plan for the future. Call today and speak with a knowledgeable representative to help you identify your specific needs.


Difference between Whole Life and Term Insurance

Having a life insurance is a financial investment. It provides safety for those who depend on you when you are not there anymore to look after them. After you are gone, they can use the funds to pay for the mortgage, school fees, medical bills or even funeral costs.

Access Insurance Services offers life insurance which comes in two main types; permanent also known as whole life insurance, and term insurance also referred to as pure life insurance. The two types of life insurance differ in various aspects as discussed below;

Term insurance 

It provides coverage for a specific period as agreed in the contract. The policy is referred to as pure life since it is meant to protect your dependents only if you die before it expires. This policy has no additional value, thus, if you die within the term, your beneficiaries get to enjoy the payout. You get to choose and decide on the term when purchasing the policy in San Antonio, TX. The most common terms include 10, 20 or 30 years.

When shopping for term life insurance, you choose a term that coincides with the years when you want life insurance if you die early. Your dependents need for life insurance ends where the term expires.

Whole life insurance 

This coverage does not have an expiry period. It ends when you die. The policy also has an additional accumulative value which grows slowly with time. The benefits are strictly enjoyed by your family or dependents since they can only receive the payout when you are no more.

Although it may seem complicated compared to term insurance, whole life insurance is the most straightforward form of life insurance since; Premiums remain constant as long as you are alive, the investment component grows at a guaranteed rate, and death benefits are guaranteed.

The main difference between term and whole life insurance in San Antonio, TX are the premium payments, investment component and the expiry of the contract. If you wish to buy or learn more concerning life insurance, contact us at Access Insurance Services, and we will help you decide on which coverage works best for you.

Commercial Insurance Can Include Key-Person Coverage, Does Yours?

Access Insurance Services is proud to serve the business needs of our clients in the greater San Antonio, TX area. We offer comprehensive insurance plans and are here to help you protect the business that you have worked so hard to establish. If you are a business owner that is just starting out, or are growing and want to ensure that commercial policy provides adequate coverage, our agents are here to help. We are a comprehensive agency that is able to meet all of your commercial insurance needs. 

Does Your Business Need Key-Person Coverage?

Most small business owners wear many hats and perform a great number of the necessary roles to keep their business thriving. If you have key staff members such as a sales leader, Chief Operating Officer, or other person whose absence would have a detrimental effect on the firm, you may want to look into a policy that protects their health and ability to perform their duties. If this person were to become sick or otherwise incapacitated or dies, this coverage can help to bridge the gap in their absence, or while you search for an appropriate replacement.

If your business has a key-person that is essential for your overall success, it is a good idea to explore how a key-person policy can help to minimize any negative consequences caused by their unforeseen absence.

Small business owners understand the importance of complete coverage, including key-person coverage. Don’t put your hard work in jeopardy, schedule an appointment with Access Insurance Services today to make sure that you have the coverage you need to protect your business. Call us today at (210) 499-5433 to set up an appointment to learn more about key-person insurance can complete your commercial insurance coverage needs.

Access Insurance Services

Owning your home is a great long-term investment.  Since it is such a big investment, homeowners need to make sure that they are properly covered and protected.  For those in the San Antonio, TX area, one of the best ways to do this is by getting a quality home insurance policy.  When you are looking to build your own home insurance policy, there are several factors that need to be considered.


When you are building your home insurance policy, you first need to consider any requirements that you may have.  While the state of Texas does not have any requirements, most mortgage lenders and homeowner associations do require the homeowner to carry a policy.  In most cases, this will include having property coverage high enough to pay off the mortgage and a certain level of liability coverage.  

Specialized Additional Insurance

Depending on where your home is located, you may be required to carry additional types of insurance as well.  For example, if your home is located in a floodplain, you will likely need to purchase an additional flood insurance policy as well.  Also, if you have any valuable collectibles or jewelry, you may need to purchase an additional rider to ensure they are covered on your policy. 

If you are looking to buy a new home or want to review your existing home insurance needs, it would be beneficial to reach out to Access Insurance Services.  Access Insurance Services is a leading insurance provider for those in the San Antonio, TX area.  The company will be able to give you a full review of your insurance needs and advise you on what you should include in your policy. They will then be able to provide you with a quote for a policy that provides you with the right home insurance coverage.  

Are Your Friends Covered by Your Auto Insurance?

One of the scenarios that you may not consider very often when you’re picking out auto insurance is what exactly happens if you need to let someone else use your car. It’s relatively common for your friends or relatives to ask to borrow it to make a quick trip, or they may need to drive it if there’s some type of emergency where you’re unable to drive. Access Insurance Services wants the people of San Antonio, TX to know more about how this works before they hand over the keys. 

When You’re Definitely Covered

When you first sign up for coverage, you’re usually asked if you want to name someone else on the policy. The insurance company will ask you to consider the person or people who are most likely to need to drive your car in the future. In this case, your auto insurance will give the named person driving the same benefits that you receive from your own policy. Before the insurance company does this, they check the driving records of the person who is named, so they feel completely confident in extending coverage to them too.  

When It Depends 

If someone who isn’t named on the policy drives the car, then your insurance may or may not cover them. Normally, the policy is to use your insurance as the primary source of coverage, which means that you’re liable if there’s some sort of problem. If your friend or relative has auto insurance under their own name, then their insurance company may cover part of the damages as well.

Sometimes you will need to have someone else drive your car, so it’s important to have all the facts. Call Access Insurance Services to find out more about how our policies work for the people in San Antonio, TX today.