Exploring The Benefits Of Term Life Insurance

Access Insurance Services assists the San Antonio, TX community by offering residents different types of insurance coverage. We help our clients find protection that aligns with their individual situations. Our status as an independent agency has allowed us to establish positive relationships with multiple carriers throughout San Antonio, TX, and other parts of the state.  

Life Insurance

At some point, you have to start planning for the future. Life insurance allows you to have peace of mind as you consider how your friends and family will react after your passing. The policy ensures that your family will have a safety net as they attempt to move forward if something were to happen to you.

Exploring The Benefits Of Term Life Insurance

Term life insurance provides coverage through a specified time period. While figuring out the length of time that you want coverage may be complicated, term life insurance provides you with several different benefits.

Term life policies are very direct. You’ll receive clarity with this policy that others may not have. There aren’t a lot of variables that you have to think about regarding this type of policy. If you are only looking for temporary protection, term life insurance is a great option for you. You can research a policy for 10 years, which is a relatively short amount of time. You also have the ability to find an adjustable policy based on your individual situation. Term life policies are also very confidential. Term life policies provide benefits without any lengthy delays. This is especially beneficial during an emergency.

Consult With Access Insurance Services

Planning for the future can be a difficult process. However, we can help you put things in order so that your family will be secure after your passing. Visit our website to learn more information.

Types of Commercial Insurance

Most people know of liability insurance or a business owner’s policy (BOP). Access Insurance Services wants you to understand that more than 15 types of commercial coverage exist though such as glass insurance, boiler policies, commercial auto, etc. This blog explains each succinctly so you can obtain the policy coverages you need to best protect your San Antonio, TX business.

A BOP provides you the three most common types of coverage bundled into one insurance policy. You obtain liability, property damage, and perils, and sometimes, business interruption insurance, in one policy that costs less than all three separately.

Consider glass insurance if you own a storefront, an office building, or a dance studio. Those business types have numerous windows or mirrors in their structure. If they crack or break, this policy pays for replacement.

A boiler or machinery breakdown policy keeps you toasty in winter. If your boiler breaks down, or your business, office, or manufacturing machines break, this policy pays for the repairs or equipment replacement.

Commercial auto policies cover what a personal auto policy and commercial insurance would not. You can obtain coverage for a single commercial vehicle or for your entire fleet.

Errors and omissions insurance protects you from mistakes that were not caused by negligence. If a product you manufacture broke and hurt someone, your E and O policy would pay the settlement. This falls into the same category as malpractice insurance for medical professionals.

Inland marine insurance helps any business that stores, transports, or delivers items belonging to another person. A dry-cleaning business would need this policy type as would a delivery service a jeweler, etc. 

Other types of commercial policies include business interruption, debris removal, law insurance, tenant’s insurance, and crime policies.

Keep your financial investment in your San Antonio, TX business protected with the appropriate business insurance. Let Access Insurance Services help you choose the policies that will best protect your commercial endeavors. Call us today for a consultation.