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.

Texas Motorcycle Helmet Laws

Deep in the heart of Texas, you need both a helmet and insurance to ride your motorcycle legally. At Access Insurance Services serving San Antonio, TX, we want to help you remain safe and legal on the streets of our state.

Texas requires riders wear a helmet for both fiscal and physical reasons. If riders in the US had always worn helmets when riding, the country would have saved $1 billion in medical costs. Wear a helmet reduces the risk of death by 37 percent and reduces head injury risk by 69 percent.

You will see riders in Texas who do not wear a helmet. They are not all lawbreakers.  Only riders less than 21 years of age must wear a helmet. Once you reach the age of 21, you get two options to use if you do not wish to wear a helmet while riding.

  • Complete a safety and training course for motorcycle operators.
  • Present proof of health insurance coverage that provides medical coverage for the treatment of injuries from a motorcycle accident.

While failure to wear a helmet qualifies as a secondary offense, that does not mean you should ride without one. A secondary offense refers to a violation that a police officer cannot use to stop a rider. They need a different primary offense such as a broken taillight or speeding to make the moving violation. If you get stopped for another reason, the officer can check for the two exceptions. You must always carry proof of either the training course graduation or the health insurance exception.

Wearing a helmet does not qualify for an insurance discount, but contact Access Insurance Services to learn how you can get the coverage you need at a reasonable price. We want to help San Antonio, TX riders remain safer on the road. Call us today.

Should You Get Year-Round RV Insurance?

It’s no secret that RVs give you greater freedom on the road. With RV insurance from Access Insurance Services, you can explore  Texas with confidence knowing you’re protected against mishaps on the road. If you’re a seasonal RV user, you may wonder if it’s necessary to keep your RV insurance year-round. Here are some factors to consider before canceling your coverage during the off-season months.

Importance of RV Protection

As one of your most costly possessions, it only makes sense to protect your RV both on and off the road. If you use your RV extensively during spring and summer, you’ll want adequate coverage to protect you against injuries, vehicle damage, theft, breakdowns, and other incidents that may occur on the road. RV liability coverage is required in Texas to protect other drivers in accidents you cause.

Seasonal Coverage

If you’re not planning on using your RV during fall or winter, you could cut back on your coverage to save on insurance costs. Keeping liability coverage enables you to take impromptu weekend trips during pleasant fall or winter weather. Cutting back on collision or uninsured motorist coverage is a viable option during this time.

You can also retain comprehensive coverage as it protects your vehicle against theft, vandalism and damage from inclement weather. If you’re parking your RV next to your home, these factors are still a risk. While in storage in San Antonio, TX, your RV is still at risk of fire damage.

RV Financing

If you’ve taken out a loan on your RV, your lender may require you to have certain types of coverage year-round. You can discuss this option with your insurer to see what’s best for your particular situation.

For more information about RV insurance in San Antonio, TX, contact your Access Insurance Services agent today.

Three things to know about commercial insurance in Texas

If you’re a business owner in San Antonio, TX, it’s important that you protect your company’s finances by investing in the right commercial insurance policy. We provide commercial insurance to San Antonio business owners at Access Insurance Services.

The following are three things you need to know about commercial insurance in Texas. 

You may be required by law to carry some types of commercial insurance.

One of the number one things you need your commercial insurance policy to do is meet any legal requirements. Depending on your industry, you may be required to invest in certain types of coverage.

In particular, you need to pay attention to the required commercial insurance coverage if you hire employees at your company. You may be required to purchase worker’s compensation and unemployment insurance if you have a staff of workers at your company. 

Commercial insurance premiums can be written off as a business expense.

Although commercial insurance premiums may cut into the profits of your company, they do offer the advantage of being business expenses that you can write off. This will help to bring down the tax liability of your company. 

Business owners should update their commercial insurance policy as their business changes.

Your business is going to change over time. As your business changes, you need to update your commercial insurance policy.

Make sure that you factor company growth into your commercial insurance decisions. The growth of your company can lead to new liabilities and risks that you need to account for with your commercial insurance coverage. 

Do you want to learn more about commercial insurance? We can answer any questions you have about commercial insurance at Access Insurance Services. We’re here to help business owners in San Antonio, TX to meet their insurance needs. 

The Most Common Life Insurance Mistakes and How to Avoid Them

Making a mistake with your life insurance can be a colossal error that costs the very people you are trying to protect – your loved ones. However, by working with a reputable life insurance company you can make sure that your loved ones are supported even after you are gone.

Waiting to Buy

Given that life insurance only kicks in if you die, it’s not exactly an uplifting conversation which can lead to many people procrastinating on purchasing it. With many families having one person earning significantly more than the others, it’s important that at a minimum the higher earner have life insurance. 

Buying the Wrong Type of Life Insurance

There are several types of life insurance and purchasing the wrong one can cost you significant money. For example, term life insurance covers the policyholder for a specific number of years before it expires. Conversely, permanent life insurance or universal life provides coverage for the entirety of your life and also allows you to accumulate a cash value that can then be borrowed or surrendered against if you face financial hardship. 

Not Adding a Beneficiary

Singing a life insurance policy is only the first step with the next being to add a beneficiary; however, you’d be surprised at the number of people that forget this step and then find their estate in limbo if they pass away. As a best practice, be sure to update your life insurance policy after any major life event such as the birth of a child, a marriage, or a divorce. 

At Access Insurance Services in San Antonio, TX our team of insurance professionals will take the time to get to know you personally so that we can help you find the best life insurance policy for your needs. No matter your questions, we are more than happy to answer them and walk you through every aspect of your policy. Don’t delay another day and give us a call. 

Misconceptions about RV Insurance Coverage

As an RV owner, you’ll find Texas the perfect state for RV road trips. There’s so much to see and do, you’ll never run out of sites to explore. The right RV coverage will take the stress out of your travels by providing adequate protection on the road. Working with an Access Insurance Services agent can help you avoid these common misconceptions about RV coverage:

Misconception: Your RV is Protected by Your Auto Insurance

Fact: RVs require their own insurance for protection against accidents and breakdowns on the road. If you plan to hit the road with your RV this summer, we recommend you purchase liability, collision, comprehensive and uninsured motorist coverage.

RV liability coverage is mandatory in San Antonio, TX by law. This insurance covers the medical and property damage expenses of others in accidents you cause. Collision insurance pays for repairs to your RV if you’re involved in a crash. Comprehensive insurance protects your RV from theft and non-collision damage. Uninsured motorist (UM) insurance protects you against uninsured and hit and run drivers.

Misconception: All RV Insurance Policies are the Same

Fact: As an RV owner, you choose the type and scope of RV coverage you want. Liability insurance is required; other types of coverage are optional. If you have a loan on your RV, your lender may require collision, comprehensive and UM coverage to protect his investment. Otherwise, you’ll be assuming responsibility for damage to your vehicle on your own if you choose to forego other types of coverage. 

Misconception: RV Insurance in San Antonio, TX is Very Costly

Fact: RV insurance costs vary depending on the type and scope of coverage you choose. By shopping around and customizing your coverage, you can get the protection you need at a price you can afford. 

For quality RV insurance at reasonable costs, contact Access Insurance Services.

Motorcycle Insurance Add Ons to Consider

Much like your vehicle, there are nearly limitless insurance options for your motorcycle. When riding your motorcycle you often feel one with the bike. It becomes an extension of you as you enjoy the open road. Much like your own body, you will protect your motorcycle. One of the best ways to do this is with appropriate motorcycle insurance. And yet with so many options, you may need help going through the different coverages in order to see which of these insurance options is best. This alone can be a bit of a challenge which is exactly why our staff here at Access Insurance Services is here to offer assistance for all motorcycle enthusiasts in the greater San Antonio, TX area. 

Medical Payments

This is always a recommended option when owning a motorcycle. It helps pay for medical expenses if you’re involved in an accident while riding your motorcycle. 

Personal Injury Protection

PIP for short, is similar to medical payments although it also helps pay for lost wages if you’re unable to work. If you ride your motorcycle on a regular basis you will want to consider either or both coverage options. 

Trip Interruption Coverage

Do you go on longer trips with your motorcycle? Finding a mechanic quickly can be an issue if something comes up. With trip interruption coverage you will be covered for food and lodging.

Find Your Coverage Today

If you’re shopping around for motorcycle insurance let our staff here at Access Insurance Services help you out. We’re here to lend a helping hand, regardless of how often you ride or the kind of bike you own. So if you have questions regarding motorcycle insurance or are ready to begin shopping around, our team here services greater San Antonio, TX and can’t wait to help you out. 

Does Commercial Insurance Protect Against Lightning Damage?

If you own a business, chances are, you need commercial insurance of some type. There are many types of commercial insurance ranging from basic general liability to more industry-specific types. In most cases, the standard commercial insurance policy is designed to protect from the unexpected such as weather and storm damage, including lighting.

Lightning Damage

No one knows where or when lightning can strike a structure and cause damage or destruction. In many cases, the building will need repairs to the infrastructure, and the electrical system and office equipment may be damaged too. The best way to protect from losses is to have an adequate insurance policy in place designed for commercial needs. Before making a selection, work with an agent and let them help you assess your needs and then get policy options that work for your scenario.

Working With an Agent

The best way to be informed and get the right type of protection is to work closely with a knowledgeable insurance agent. Make sure to bring all of your important information and documentation to your consultation so they can get an accurate picture of what your situation is currently and maybe in the near future. They will then be able to figure out what policies and providers are a match for you and your company or business.

Residents of San Antonio, TX can rely on  Access Insurance Services to help them get commercial insurance they can count on year-round. 

Don’t take chances with your commercial insurance policy. Call or stop by Access Insurance Services today, serving San Antonio, TX, to get answers to questions and begin the process of finding quality commercial insurance. 

When to Buy Life Insurance in San Antonio

If you’re thinking about life insurance in San Antonio, TX, it may be because you just had something monumental happen in your life. Maybe you got married, had a child, or turned a certain milestone age. Whatever the reason is that you’re thinking about purchasing a policy (or upgrading one that you already have), Access Insurance Services may be able to help you figure out your next move. 

1. When You Don’t Want to Take Chances 

Life insurance can be made to fit your life, meaning you don’t necessarily have to wait for anything major to come. Maybe you want to take care of your parents, your siblings, or your nieces and nephews. Whoever it is you mean to protect, life insurance is a way to help set things right no matter what happens. 

2. When You’re Ready to Save 

Some people take out life insurance more as much for themselves as they do for their loved ones. Many life insurance policies offer a savings component to the plan, offering you utility on top of utility. Not only can you use the policy if you need to down the line, but you’re able to give the people in your life the peace of mind they need in case something happens to you. 

3. When You Feel Ready 

There are few people out there who wouldn’t benefit from life insurance. It’s a proactive, preventative measure that teaches the meaning of planning, something that everyone in San Antonio, TX can benefit from. Once you feel ready for it, Access Insurance Services is here to help you. Give us a call to learn about our policies and which one is right for you.