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  • restaurant insurance plano tx

What Insurance Does My Restaurant Need?

Like every business, restaurants need insurance to protect them from the risks of having customers on the premises. However, restaurants themselves are a unique type of business, which means the risks they face every day are unique. Unique risks mean specific insurance needs! Check out this video detailing some different forms of insurance that every restaurant needs! General Liability Insurance Every business needs general liability insurance, and in this situation, restaurants are no different! Liability insurance covers any injuries or property damage that occurs on the premises. However, there is one unique form of liability insurance that every restaurant needs: product liability insurance. Product liability insurance ensures that you will have protection and the ability to cover a customer’s medical expenses if they were to get food poisoning from your food. Liquor Liability If your restaurant serves alcohol in any capacity, this form of insurance is vital. It protects the restaurant if someone injures themselves or others while intoxicated. Business Income Insurance Business income insurance has become essential in recent months due to the COVID-19 pandemic. This form of insurance ensures saves your restaurant from suffering significant income loss if your restaurant shuts down for any reason. Spoilage Insurance When... Read more
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  • distillery insurance program plano tx

What Kind of Insurance Does My Distillery Need?

  Craft beverages are one of the fastest-growing industries in the US. This trend is evident in North Texas, where a new distillery pops up seemingly every month. Most small business owners know that they need a form of small business insurance, but did you know there is a specific form of insurance for distilleries? Arthur Blake Insurance offers a custom insurance policy for distilleries. Our well-versed agents crafted this policy to ensure the complete protection of your business. What is Distillery Insurance? Distillery insurance exists to protect your distillery from some of the unique risks in the craft beverage industry. However, it is essential to remember that distilleries also need coverage for every other business’s risks. Liability Insurance Just like any other business, distilleries need liability insurance. However, in addition to general liability insurance, your distillery may also need liquor liability insurance. If your distillery serves alcohol at any time, you need liquor liability insurance. It would be best if you kept this in mind before hosting any tastings or events at your distillery. Commercial Auto Insurance Commercial auto insurance is necessary for any business that uses vehicles for business purposes. For distilleries, this generally applies if you make your own... Read more
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  • Commercial vehicle insurance plano

Consider These when Buying Commercial Insurance

EVERY business, from a law firm to an auto-repair shop, needs some form of commercial insurance. However, for many business owners, commercial insurance is a complicated mess that they simply do not want to tangle with. Luckily, Arthur Blake insurance is here to simplify things! Here five of the most important things that every business needs to consider when selecting commercial insurance. 5 Things to Consider When Choosing Commercial Insurance What is Required? The majority of business owners are renting their office space or took out a loan when they started their business. If you fall into this category, most landlords and lenders will require some form of commercial insurance to protect their investment. How many employees do you have? The number of employees your company has will determine what kind of policy you need. If you have less than 100, a standard small business policy is recommended. However, if you have more than 100, you need a more robust commercial policy. Does your company use vehicles? Most personal auto policies will not cover your employees while they are driving company vehicles. So, if your company has a fleet of company vehicles, you need a commercial auto policy. Do you have employees... Read more
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  • small business insurance allen texas

Types of Insurance a Small Business Needs

Most small business owners know a lot about the services they provide, but not a whole lot about how to protect their business from uncertainty. Understanding what types of insurance are available to small business owners and determining what their business needs can be tricky. We’ve put together a list of things to consider when you’re looking at small business coverage options. Do you have employees? If you have employees, you should consider workers’ compensation insurance. Workers’ compensation insurance provides benefits to employees for work-related injuries or illnesses.  Benefits include medical care coverage, replacement of lost wages, disability, and funeral expenses if necessary. Unfortunately, some workplace injuries result in a lawsuit against your business. Workers’ compensation insurance can help cover any legal costs you encounter in those cases. What types of equipment and materials are essential to your business?  If a fire destroys the computers in your office or someone breaks into your business and steals valuable equipment, business property insurance will help replace the property. Business property insurance will also help you restore lost income if you cannot provide services without the property covered.   What is your liability risk? The trickiest part of determining what business insurance coverage you... Read more
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  • arthur blake insurance mobile app personal development lifestyle plano

Arthur Blake Insurance Mobile App

We know how important it is for you to get answers and access quickly.  The Arthur Blake Insurance mobile app makes it even easier to contact our agents, pay bills, report accidents, view, and share vehicle ID cards.  Contact Agents From inside of the app, you can reach us by phone, email, or text. Simply tap on the ‘call,’ ‘email,’ or ‘text’ icon, and it will connect you. Pay Bills You can pay your bills through the app, and even schedule a bill pay reminder to your phone or email to notify you when payment is due. Report Accidents Report accidents in real-time through the app, and get information about exactly what to do after a vehicle, property, or workplace accident.  View and share vehicle ID cards Multiple members of your policy can share access amongst themselves to the app and the information within it. You can access your personal and business policy information with ease and view all of your ID cards, vehicle registration, and proof of insurance all in the same place. What else? You can also quickly: Request a change in your policy  Request a certificate of insurance  Create a property inventory list Check out all the... Read more
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  • boat insurance allen texas insurance plano

Understanding Boat Insurance

In North Texas, one of the most relaxing activities in the summer is to spend a day boating on one of our nearby lakes. It’s all about the warm sun, cool breeze, and the peace that comes with taking a break. If you’re a boat owner, you know the feeling of accomplishment that goes along with providing that experience for yourself, your family, and your friends. You cherish your boat, and that’s what makes your investment worth every penny. It’s also what makes it worth insuring. Even in the off-season, when your boat is stored, there’s a lot that could happen to it, and a boat insurance policy is the best way to protect your investment year-round.  What does boat insurance cover? There are a few different types of coverage, and each offers protection in various situations. Medical Payments Coverage This type of coverage helps with medical expenses if you or someone else gets hurt when on the water. If there is an accident, regardless of fault, the last thing you want to worry about is the cost of the needed medical attention. You went out on the boat, expecting to have a great time, but accidents happen, and the... Read more
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  • Homeowners insurance coverage

How Much Coverage Does My Homeowners Insurance Policy Need?

For most people in North Texas, their home is their biggest asset. For that reason, selecting a Texas homeowners policy with enough coverage for your home, as well as your belongings, is critical. However, in a survey performed by Wells Fargo, over 40% of homeowners do not know if they have enough homeowners insurance coverage to replace their homes and belongings completely. At Arthur Blake Insurance, we want to make sure every homeowner has the coverage they need to protect their home! What Needs to be Covered? When trying to figure out how much coverage you need, you need to consider two main things: the structure of your home and the value of your belongings. Structure of Your Home When considering how much it will cost to rebuild your home, you need to figure out how much it would cost to rebuild your home at current construction rates. Remember, you will not be using the current market value or original purchase price of your home. Construction rates rise and fall over time, so it is essential to research them every few years. When you calculate your house’s replacement cost, you need to consider all of your home’s features, including flooring,... Read more
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  • workers compensation insurance

Workers Compensation During Work From Home

As more and more businesses convert to full-time “Work From Home” during the COVID-19 pandemic, we expect an increase in claims from workers injured while on the job at home. In this blog, we provide a basic look at Workers’ Compensation insurance as applied to work from home. Are workers still eligible? And what can businesses do to help vet their claims? This is a difficult time, and money is tight for everyone. So, understanding the important aspects of the law when it comes to workers’ compensation and working from home is more important now than ever. Arthur Blake Insurance will continue to be there for you in this tough time, doing anything that we can to help you. Do at-home claims count? This question has been on every employer’s mind since working from home became the norm for most employees. Since employees are working from home, employers are increasingly worried about the possibility of workers’ compensation claims in workplaces that are out of their control. This is such a gray area because normal workplaces are crafted specifically to be as risk-free as possible. However, when employees are working from home this is not the case. There are no laws... Read more
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  • difference term and whole

Term vs. Whole Life Insurance

When searching for life insurance, there are two major forms to consider: Term and Whole Life. Everyone needs life insurance, but many people have a hard time figuring out how to choose a policy. Both have their own benefits and drawbacks, and it is important to understand those in order to select the type of policy that best fits your family’s needs. At Arthur Blake Insurance, our agents take the time to really understand our clients’ individual situations, needs, and goals, and we custom tailor our life insurance policies specifically to them. If you’re uncertain whether Term Life or Whole Life insurance is the right choice for you and your family, give us a call today. Term Life Insurance In general, term life insurance is rather simple to understand. A term life insurance policy will offer a death benefit to be paid out to a beneficiary if the policyholder dies within a specific amount of time (the term).  Typically, these terms are either 10, 20, or 30 years in length. The major benefit of term insurance is that the premium (cost of the insurance) is relatively low, so it is easier to buy more of it. The premium will also always... Read more
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  • Auto rates rising Arthur Blake plano insurance agents

Why Do Auto Insurance Rates Keep Rising?

Car insurance should be simple, right? You drive safe, you avoid traffic violations, you choose a reliable car, and your premiums should stay where they are, or even go down. That’s what the commercials from all the big-name insurance companies like to say. Yet year after year, drivers with squeaky clean records still find their premiums going up, sometimes significantly. So what gives? Unfortunately, there are a number of factors influencing car insurance premiums which anyone driver can’t control. While your personal driving record will always play a major role in what you pay, systemic factors such as how many drivers are on the road, average road speeds, and even the health of the economy may see you paying more at year’s end. Here are a few reasons that your auto insurance premiums may rise no matter what you do: 1. A Strong Economy Means Busier Roads What’s good for the country overall may not be good for your insurance premiums. As the nation’s economy strengthens, more and more of those who previously relied on public transportation are choosing to take their own cars instead. Meanwhile, low gas prices see even more drivers hitting the road and driving more miles... Read more