How would a business benefit by having a commercial insurance plan in San Antonio?

If you are in the San Antonio, TX area, you will find that the strong economy and growing population can make it an ideal place to be a small business owner. When you want to start or grow a company here, getting the right insurance is necessary. A business here will receive various benefits by getting a commercial insurance plan. 

Receive Coverage for their Assets

One of the ways a business can benefit by having commercial coverage is by receiving protection for its assets. Companies today will inevitably need to purchase quality assets to protect their organization, and losing these items could be very bad for business. However, if you are adequately insured with commercial coverage, you will have the necessary support to replace or repair these assets if you incurred a loss in a covered situation. 

Mitigate Liability Risks

Businesses will also want this coverage as it can significantly mitigate their liability risks. Companies will take on liability risks daily, and a way to offset this concern is important. With a commercial insurance policy, you will obtain coverage that can give support if you are liable for any accident resulting in damages. 

People all over the San Antonio, TX area will need to ensure they get the proper protection for their businesses. When looking for commercial insurance in this part of Texas, it might be a good idea to work with the team at Access Insurance Services. Commercial insurance comes with its share of complexities, and getting support from someone experienced and that you can trust is helpful. Access Insurance Services will offer the guidance you need to build your next plan. 

How to Change Beneficiaries on Your Life Insurance

Sometimes people have falling outs with the ones they care about the most. Someone you could have called a wife or family member might do something unforgivable. This means it might be time to change the beneficiaries on your life insurance. 

The Importance of Keeping Beneficiary Designations up to Date

It’s not enough to keep your will up to date. The named beneficiaries on a retirement plan or insurance policy may supersede the instructions in your will. For the most part, you can review and update who you’ve designated as your beneficiary by contacting the company that provided your plan. You may likely be able to do this online. If you prefer a physical change on paper, most companies will also give you that option. 

Who Can Make the Change

For the most part, the policyholder is the only one who can decide who to name as beneficiary. If you assign someone as having power of attorney, they may be allowed to make this decision on your behalf. Once you die, the beneficiary designations are final. If you bought the policy after you married and lived in a community property state (Texas is one of them), you would need your spouse’s permission to name someone other than them as a beneficiary. Your spouse, however, cannot change the beneficiary. If anyone was named as an irrevocable beneficiary, you could not remove this person without their permission. 

Access Insurance Services, Serving San Antonio, TX

Getting insurance of any type need not be very difficult. Access Insurance Services of San Antonio, TX will provide you with multiple policy quotes at one time. This will save you time and money, and receive unmatched expertise to guide you through it.

What You Need to Know About RV Insurance

If you have an RV, it’s crucial that an RV insurance policy should always cover it. This insurance covers you against a wide range of risks, and you should never go without it. These policies are also required by law so that funds will be available if you cause damage to someone else’s property or injure other people. If you don’t have the insurance you need, you could face fees, fines, and other penalties from the state. You can call us at Access Insurance Services in San Antonio, TX if you need RV insurance.

Your RV Policy

When you own an RV, a lot goes into the RV policy that you get. The class of RV that you have is a significant factor in your coverage. There are classes A, B, and C for RVs. Which category yours is in depends on its size as well as the design of the vehicle. Your RV policy also depends on the make and model of your RV, how many miles it has on it, and what is inside it. Many RVs have a lot of equipment and personal items on board, and you need to ensure coverage for those items. 

Liability Coverage and More

It’s important to have liability coverage to be in alignment with the law. You need liability coverage for bodily injury so that someone else’s medical bills can be paid for in case of an accident. You also need to have coverage for property damage liability. In addition, having collision insurance would cover the repairs for your RV if it has been in an accident. 

Cover Your RV

If you own an RV, you need this vital coverage. Call us at Access Insurance Services in San Antonio, TX.

What Does Motorcycle Insurance Cover?

Anyone who owns a bike won’t tire of singing praises of how exciting it is to ride on the open roads. However, amid the fun, riding a motorcycle comes with its fair share of risks. One small mistake can cost you thousands of dollars in terms of medical costs or damages. For this reason, motorcycle insurance is a must-have investment — you shouldn’t consider motorcycle insurance a luxury but a necessity. That said, you need to understand what bike insurance covers so you can insure your bike based on your needs. Here is what motorcycle insurance covers as prepared by Access Insurance Services.

  • Liability coverage: Texas requires that you carry minimum liability insurance to be on the road. Liability insurance covers property damage and bodily injury caused to others when you are at fault for an accident.
  • Collision insurance coverage: The policy comes into play when your bike collides with an object or another vehicle. The policy pays for the cost of replacement or repairs minus your deductible.
  • Comprehensive coverage:  Comprehensive insurance pays for the cost of repairs or replacement in the event of an incident rather than a collision, for example, fire, vandalism, or theft.
  • Underinsured or uninsured motorists: Some people will always break the law by riding without insurance. That’s why you need to cushion yourself from such people. The policy pays for the resulting damage if an uninsured or underinsured motorist collides with you.
  • Medical payments coverage: Medical coverage covers the medical bills for you as the rider during an accident, regardless of who is at fault.

Motorcycle insurance in San Antonio, TX

If you own a motorcycle and want to enjoy your ride with nothing to worry about, then motorcycle insurance is the way to go. For peace of mind, buy motorcycle insurance from Access Insurance Services in San Antonio, TX. Contact us today for an affordable quote.

Three types of life insurance you might be interested in carrying

Understanding the different types of life insurance and how they work before you choose a policy is essential. At Access Insurance Services, we can help you find a life insurance policy in San Antonio, TX.

The following are three types of life insurance you might be interested in carrying. It would help if you understood the differences between these policy types before selecting a policy for your needs.  

Term life insurance

Term life insurance is a temporary form of life insurance. These policies are typically offered over fixed periods such as one, five, or 10-year terms. 

While a term life insurance policy won’t accumulate value over time, it will offer the advantage of inexpensive premiums. Term life insurance comes along with some of the least expensive monthly premiums out there. 

Whole life insurance

Unlike term life insurance, whole life insurance is a form of permanent life insurance. This life insurance accumulates cash value over time and offers lifelong coverage.

Universal life insurance

Universal life insurance is a type of permanent life insurance, just like whole life insurance. However, universal life insurance offers the benefits of adjustable premiums and death benefit amounts. There are three types of universal life insurance: indexed universal, guaranteed universal, and variable universal life insurance. 

Every consumer’s situation is different. When choosing a policy, you should consider factors such as how much of a death benefit you need, how long you need coverage, and how much you can afford on monthly premiums.

Get in touch with Access Insurance Services for quotes on life insurance policies and the information you need to make the right choice regarding insurance coverage. We’re here for consumers in San Antonio, TX who are on the market for life insurance. 

Factors to consider when determining commercial insurance coverage

Your company needs an adequate amount of commercial insurance coverage to protect your assets. If you’re looking for the right commercial insurance provider, you should know that we offer insurance coverage to businesses in San Antonio, TX at Access Insurance Services.

One of the most important decisions you’ll make when you purchase commercial insurance is how much coverage to carry. The following are three factors to consider when determining how much commercial insurance coverage to carry. 

Legal requirements that you need to meet

If you are legally required to carry certain types of commercial insurance, such as workers’ compensation coverage, you must meet legal requirements with your coverage amounts. Workers’ compensation and commercial auto coverage are two types of coverage that are generally required by law. 

Make sure you research how much coverage you legally need to meet your company’s legal responsibilities with your commercial insurance policy. 

The total value of your company’s assets

Your company’s value is an essential factor in determining how much coverage you should carry. More valuable companies with more assets need to carry more commercial insurance coverage than smaller companies with fewer assets. That’s why you should evaluate your company to decide how much commercial insurance coverage to carry. 

The unique liability and property damage risks for your company

Suppose your company operates in an industry with common injuries and high liability risks. In that case, you need to ensure that you carry an adequate amount of commercial insurance for the risk. It would help if you also were sure to carry proper coverage of the dangers of natural disaster damage to your commercial property caused by your geographic location.  

Do you have questions about commercial insurance coverage in San Antonio, TX? Get in touch with us at Access Insurance Services to learn more about commercial insurance coverage options for your company. 

Purchased an RV? What You Should Know About RV Insurance

When you have a recreational vehicle like an RV, numerous opportunities to get out and see the world are at your fingertips. Whether you want to head over to the next county over or take a cross-country road trip, an RV offers similar amenities to what you have in your home. In order to operate your RV on the road, it must be insured in San Antonio, TX. If you have recently purchased an RV, learn a few things about RV insurance from Access Insurance Services.

What Is Covered by RV Insurance?

If you want the most protection for your RV, you will want to consider comprehensive coverage. Further, you need to seriously consider also investing in uninsured and underinsured coverage, which will ensure you’re covered in the event of an accident with another motorist who does not have any or lacks sufficient insurance coverage.

Comprehensive insurance offers protection from damage that results from vandalism, fire, and other events. Collision coverage offers protection from collision-related damage, regardless of whether you or another individual was at fault.

Is There Any Other Kind of Coverage Needed?

Because you are likely to have numerous personal belongings in your RV, you will want to consider coverage that will protect these items in the event they are damaged. If you have any equipment custom-made for your RV, you can purchase a custom equipment policy to cover these items.

If you take your RV on road trips for vacations and whatnot, you may want to consider investing in vacation liability coverage. This coverage will offer protection from financial loss in the event someone is injured in your RV or near where your RV is parked (think a campsite).

If you are ready to purchase an RV insurance policy, or if you have questions that weren’t answered here, contact Access Insurance Services, a trusted insurance agency that serves the San Antonio, TX area.

RV Insurance: Your Simple Guide

Are you trying to find RV insurance in or near San Antonio, TX, and need help? Our simple RV insurance guide from Access Insurance Services should make this process easier.

What RV Insurance Protects

Your RV insurance can protect you from a broad range of things. For example, it will help against problems like liability concerns, damage repair, lawsuits, and much more. Roadside assistance can help you get to a shop if you break down, and your comprehensive option can help you if you end up with other types of damage, such as fire and explosions. Pick and choose your chances to get good results.

How to Pick a Great Policy

Spend your time talking with your agent and going over your insurance needs. Do you just want a basic policy to pay for liability? Or do you want an option that covers as much as possible? For instance, if you live in your camper full-time for most of the year (such as if you travel north in the summer), you may want a full-timer policy that treats your camper or motorhome as your primary residence.

Other Factors to Consider

  • Monthly Payments – Your premiums help keep your insurance active, and you can pay more if you want to decrease your deductibles and vice versa.
  • Deductibles – How much do you want to pay before your insurance kicks into play? You typically have a few different levels to choose from here.
  • Vehicle Type – Do you have a motorhome, a camper, a trailer, a snowmobile, a four-wheeler, or any other type of recreational vehicle? Your policy should be based on that.

Work With Us

Please call us if you live near San Antonio, TX, and want insurance you can trust. We at Access Insurance Services will do what we can to help you out in any way possible.

How RV Insurance Pays You for Damages

In San Antonio, TX, RV insurance can help protect you from various issues. For example, it can protect you from multiple types of damage and keep you from experiencing severe problems. Thankfully, we at Access Insurance Services can help you find an option that makes sense.

Which RV Policies Pay for Damages?

Many types of RV insurance policies will pay to repair damage to your vehicle. Collision helps if you get into an accident with another motorhome or car and are liable for the accident. Your liability coverage will only pay for damage to other people, so make sure you know the difference.

Uninsured and underinsured policies help if you get into an accident that somebody else caused and have poor or no policies. Comprehensive insurance will pay for theft, fire, storm damage, floods, vandalism, and other types of damage not covered by collision.

How These Policies Work

When you experience damage to your vehicle caused by any of these covered problems, your policy should go into play. Then, you simply need to contact your insurance company and make a claim. Claims require evidence of damage, including photos and bills from repair companies.

After you make a claim, your insurance company will investigate what happened. Their investigation includes talking to mechanics and police officers, among other witnesses. If they find your damage is legitimate (which, if it is, should be no problem), you will get covered for this damage.

You Can Find a Great Policy

Please contact us at Access Insurance Services if you live in or near San Antonio, TX, and want a policy you can trust. Our team will do what they can to help you understand your options and will provide you with the chance to choose a policy that makes the most sense for your needs.

Staying On Top of RV Insurance Needs

Do you have RV insurance for your San Antonio, TX but haven’t updated it in a while? You may want to call us at Access Insurance Services to see if you need a new policy option. Our team will carefully identify what you might need and give you the necessary help to avoid serious issues.

Why RV Insurance Matters

RV insurance helps to protect you against a broad range of potential problems. These issues include many unique concerns, including:

  • Crashes while you’re driving the vehicle
  • Damage to the car caused by natural disasters
  • Liability concerns caused by crashes or other issues

However, changes to your RV, potential new insurance laws, and much more can change what type of policy works well for your needs. Ensure that you take steps to avoid this problem and keep your RV protected for years to come.

How to Avoid Problems

  • Talk to Your Agent – Working with your agent should make this process smoother by making it easier to understand what kind of upgrades your insurance needs and avoiding paying too much cash.
  • Buy Better Policies – Pay attention to things like comprehensive policies, collision insurance, and even full-timer options if you plan on living in your RV as a home after you retire or when on vacation.
  • Don’t Ignore Legal Updates – If your state updates its laws and regulations on RV insurance, you need to work with your agent to ensure that you get the updates necessary to stay legal and protected.

Take Care of Your Insurance

If you think it’s time to upgrade your RV insurance for your San Antonio, TX vehicles, you should call us at Access Insurance Services to learn more. We’ll examine your policy, explain the upgrade options available to you, and do what we can to ensure that you feel comfortable.