0 0
  • Commercial vehicle insurance plano

Consider These when Buying Commercial Insurance

September 28, 2020 , 0 0
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
0 0
  • small business insurance allen texas

Types of Insurance a Small Business Needs

August 31, 2020 , 0 0
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
  • workers compensation insurance

Workers Compensation During Work From Home

April 24, 2020 , 0 0
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
  • craft beverage insurance frisco texas

What Should Craft Beverage Insurance Include?

January 15, 2020 , , 0 0
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?

December 18, 2019 , 0 0
  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
  • cyber liability insurance frisco texas

Should You Have Cyber Liability Insurance?

October 21, 2019 , , , 0 0
We live in a digital world, where electronic data and information are of extreme value and importance. Virtually every existing business or firm stores and sends digital data information in one way or another. In the event of a cybersecurity attack, the most commonly targeted data includes sensitive information concerning internal business affairs and customer profiles. Whether it be valuable corporate data or raw customer information, the entirety of your digital portfolio must be protected and insured. Because of its inherent value, stolen, misplaced, or comprised digital data is extremely costly to restore. At Arthur Blake Insurance, we understand the unique array of evolving cybersecurity threats that continue to affect businesses of all kinds. Our unique variety of extensive Cyber Liability Insurance packages will serve to better protect your business and customers. If you or your business have never experienced a security breach or hacking incident, you may ask yourself how often cybersecurity attacks occur? Not to mention what kind of information is most valuable? Who Needs Cyber Liability Coverage? No matter the size or influence of your business, cybersecurity threats are the same across the board. No business is immune from computer-related vandalism, fraud, or theft.  Any given business... Read more
0 0
  • drone insurance plano tx

Do I Really Need Drone Insurance?

August 7, 2019 , , 0 0
  In the space of just a few years, drones and unmanned aerial vehicles (UAVs) have gone from the playthings of niche hobbyists to seriously big business. Drones are everywhere now, with products ranging widely in price and purpose, from simple home entertainment to being essential tools in an organization’s daily operations. No matter the situation, drones and UAVs can be expensive, and that means they should be protected. If you don’t have drone insurance, you should probably be thinking about it. Do You Need To Insure Your Drone? Generally speaking, insuring a drone will be a higher priority for entities using drones for commercial purposes, rather than for home use. Innovative companies and organizations have found dozens of low-cost, low-risk uses for drones to make their operations more efficient. You could say the sky’s the limit. (Sorry.) These include: Aerial photography and videography Aerial surveying Agricultural treatment / crop spraying Law enforcement / emergency response Traffic patrol Security and surveillance Exploration And many more… As technology has improved, drones and UAVs have become more affordable and reliable, but let’s face it, they’re not perfect, and accidents happen. The loss of a commercial drone can mean costly operational setbacks for... Read more
0 0
  • Commercial Property Insurance Plano Texas

Do Home Businesses Need Commercial Property Insurance?

August 6, 2019 , 0 0
The ever-evolving sophistication of business technology and cloud networking solutions, along with the changing demands of an empowered workforce, has vastly improved the viability of home-based businesses. In 2017, there were more than 38 million home businesses in the U.S., with combined revenue of $427 billion per year. We’re not talking about lemonade stands here. Of course, with big business comes big complexity, especially when it comes to insurance. The rapid growth in home-based businesses has led to confusion over just how these businesses should be insured, and for how much. Many home-based business owners believe they can rely on their homeowners’ insurance policy to protect business assets in cases of loss or peril. After all, the business property is in the home, right? But this common misconception can lead to owners sustaining considerable financial loss – sometimes losing their entire business – because of one unexpected event. So here’s the truth: if you operate a home-based business, you almost certainly need commercial property insurance to keep your assets protected, and in many cases, you may need additional forms of coverage as well. Commercial Property Insurance for Home-Based Businesses Commercial property insurance covers business assets in two ways that most... Read more