0 0
  • 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
0 0
  • 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
0 0
  • 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
0 0
  • 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
0 0
  • 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
0 0
  • 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
0 0
  • 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
0 0
  • craft beverage insurance frisco texas

What Should Craft Beverage Insurance Include?

For consumers on the outside, breweries, wineries, and distilleries are just like any other manufacturing business. But for the people who run these businesses – and the companies who insure them – it’s a completely new ballgame. Craft beverage companies do have some overlap in their needs to other food manufacturing businesses, but ignoring – that is, not insuring – what makes them unique puts business owners, employees, and customers at risk. As with every industry that Arthur Blake Insurance serves, specialization is key. We design and develop custom policies for breweries, wineries, and distilleries tailored to the individual needs of each business so that every risk is assessed and there are never any surprises. To learn more and discuss your needs, contact us today. What should be in an insurance policy for breweries, wineries, and distilleries? Any craft beverage operation will need a combination of commercial insurance coverages to be fully secured. Let’s begin with the basics. All craft beverage insurance policies should include: Commercial property insurance (more on this below) Commercial auto insurance General liability insurance Workers’ compensation insurance Business interruption and extra expense coverage Product recall coverage   What makes craft beverage businesses so complex from a... Read more
0 0
  • errors and omissions Home insurance plano tx

Do I Need Errors and Omissions Insurance?

  In our world, we meet the owners of small-to-midsize businesses almost every day, and there are a few qualities you can count on seeing every time: they’re passionate about what they do, they love their customers, and they want to do their best to help each and every one. Unfortunately, in our line of work, we also see the other side of things: business owners who believe so completely in the quality of their work and services, that they’re blindsided when an unhappy customer comes back to them in the form of a lawsuit. Even the very best physicians, consultants, instructors, and other service providers make mistakes, have bad days, or just meet that one wrong customer. And if that customer perceives that they were injured – physically, monetarily, or however – it could mean a costly lawsuit for the provider. That’s where Errors and Omissions Insurance comes in. Errors and Omissions Insurance (E&O), also called Professional Liability Insurance, is a commercial insurance product that protects service providers from claims in which a client or customer accuses the provider of damages resulting from inadequate or negligent service. Who needs Errors & Omissions Insurance? E&O is available, and at times... Read more
0 0
  • use an insurance broker plano insurance agents

Reasons You Should Use an Insurance Broker

The old line about the inevitability of death and taxes is true, but it also leaves out one of the most complicated and necessary factors of everyday American life: insurance. From personal health, home, and auto insurance, to the dozens of types of business insurance, we are all faced with the necessity of making decisions. We have to go through choosing a multitude of insurance plans which keep us covered without blowing our monthly budget. And choosing the right insurance plan matters. Too little coverage can leave you exposed to unexpected and sometimes devastating costs, while too much coverage – yes, there is such a thing – can be a waste of money and can inhibit your ability to grow wealth over time. Knowing whether a plan is too little, too much, or just right isn’t easy, especially for those more focused on building their lives than poring over cost analysis charts.  That’s why more and more Americans are turning to the guidance of professional insurance brokers. Put simply; an insurance broker is an expert whose sole responsibility is to find you the best insurance plan for your needs. They are independent, representing you, not the insurance companies, and they... Read more