Are You a Business Owner? Protect Your Livelihood with Commercial Insurance

As a business owner, you need to know that having it insured is as important as having your home or car insured. Businesses face many risks. Access Insurance Services, serving San Antonio, TX, and the surrounding area, can provide this protection.

Here are some essential reasons why commercial insurance is necessary.

As a business owner, your employees are one of the most important priorities. They need to be protected with liability insurance. If a lawsuit arises, it will make them feel secure being employed by you and keep them from losing their employment.

Having health or dental insurance is a job perk that most people want. Also, commercial insurance may be required if you rent the space your business operates from.

Because workplace accidents can occur at any time, your business will be paying for the workers’ compensation out-of-pocket. If an employee is injured or becomes ill due to their job, workers’ compensation covers the medical bills and provides income for that employee. The cost involved can lead to financial ruin for your business.

If a natural disaster occurs, your business could be destroyed with no financial backup for repairs or replacements. Commercial insurance coverage will also protect your business from fire, vandalism, or theft.

Without commercial insurance’s liability protection, you could face going out of business if you are sued. Legal expenses are costly and can result in the ruination of your livelihood. Whether a third party or an ex-employee sues you, any costs will come straight from your business if you do not have commercial insurance.

Don’t let your livelihood remain uninsured. You have worked hard to make it what it is today, and it needs to be protected with commercial insurance. Contact Access Insurance Services today for a quote.

What Will a Health Screening Involve?

A health screening is essential to the life insurance application process because it determines whether you can be issued a policy. You will be asked vital questions about your family’s history, including whether there is a predisposition to diabetes, cancer, or heart disease. 

This information will also be used to assess the amount of risk the insurance company will assume, and this is how your premiums will be decided. You will discuss whether you smoke, have ever smoked, and for how long. Your Access Insurance Services representative will need to know how long it has been since you smoked and if you have achieved cessation. At a certain point, after you have quit, your premium will no longer be that of an active smoker. 

Life insurance is not a requirement under San Antonio, TX law but is something people choose to purchase voluntarily. Your age, gender, and overall health will be reported, and the more healthful your lifestyle is, the more this will be reflected in how much you pay. Like your annual checkup, this process should take about half an hour. 

Your occupation, habits, and hobbies will also be taken into account. If your profession is hazardous or you like to engage in risky behaviors for recreation, this can all impact your bottom line. The insurance carrier often covers the cost of this appointment, and in some cases, you can waive the examination if you provide copies of your medical records. 

We Can Help you Obtain Health Insurance.

Access Insurance Services is proud to serve those in the San Antonio, TX area, and we are happy to assist you more. Contact us by phone, online, or by stopping into the office.