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What Type of Commercial Insurance Do I Need?

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At Blevins Insurance Agency, we offer many types of insurance, including commercial insurance, in Lafayette, IN. Which type of commercial insurance you need depends on your business. 

Types of Commercial Insurance

General Liability Insurance

Most businesses need general liability insurance. This covers claims that you caused property damage or physical injury. This includes injuries that occur at your business. It can also include product liability, which protects you from damage caused by your product or service.

Commercial Property Insurance 

Commercial property insurance covers any property that you use for your business. This includes stores, offices, and manufacturing facilities. If your building or property within the building is damaged, you’ll receive compensation under this policy. 

Worker’s Compensation Insurance 

If you have one or more employees in Indiana, you’ll need worker’s compensation insurance. If an employee is injured on the job, their lost wages and medical expenses will be covered by this policy. 

Professional Liability Insurance 

Professional liability insurance provides coverage if your business offers a professional service. For example, if you make an accounting mistake that costs your client, this policy will cover the damages. 

This type of policy is also known as omissions and error insurance and covers a wide variety of professional services. 

Business Interruption Insurance

Business interruption insurance is important for small and medium-sized businesses. If you are unable to operate your business due to property damage, this policy will provide a replacement for your lost income until your business is active again. 

Commercial Auto Insurance 

If you or an employee use a vehicle as part of business operations, you’ll need a commercial auto policy. This provides liability coverage when the vehicle is driven while conducting business activities.  

Reach Out To Us

If you need commercial insurance in Lafayette, IN, contact us at Blevins Insurance Agency. Our agents will help you determine which types of commercial insurance your business needs. 

Will Your Home Insurance Policy Cover Damage Caused By Pests?

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Here at Blevins Insurance Agency, we are pleased to provide home insurance in the greater Lafayette, IN area. One of the questions that we have seen repeatedly asked by homeowners is whether home insurance will cover damage that is caused by pests. If pests have damaged your home, you may be looking for the answer to this question. 

Will Your Home Insurance Policy Cover Damage Caused By Pests?

Preventable Pest Damage

If your home was damaged by what is deemed to be preventable pest damage, the damage will not be covered. Preventable pest damage is essentially damage done by pests that could have been prevented if you had had regular pest control services and taken action to keep the pests out. As such, damage caused by pests such as termites or rodents typically is not covered by your home insurance policy. 

Unpreventable Pest Damage

If your home or the surrounding structures were covered by unpreventable pest damage, then your home insurance policy will cover the damage. Unpreventable pest damage is usually done by large pests or wild animals that you have no control over. For example, if a deer runs into your fence and breaks your fence or if a bear destroys the siding on your home, that would be covered under unpreventable pest damage. 

Reach Out To Us

Your home insurance will cover damage to your home or other covered structures, such as fences, sheds, and garages if the damage was caused by what is deemed to be unpreventable pest damage. Having the right insurance is key to ensuring you are fully covered if the unexpected happens. If you are in the market for a new insurance policy, reach out to Blevins Insurance Agency, serving the greater Lafayette, IN area, to get started. 

Questions to ask before choosing life insurance

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Deciding if you need to get life insurance is an important decision in your life. It is not one to take without asking the right questions. Our team at Bevins Insurance Agency in Lafayette, IN can answer any questions you have about life insurance and why it is an important part of your financial plan. Our team is experienced in all aspects of life insurance. 

Do I need life insurance if I have no dependents?

If no one counts on your income and you have enough cash to pay off any debt you may have and your final expenses, then no, you don’t need to have life insurance. 

Can I choose anyone that I want as a beneficiary?

The choice of beneficiaries is up to you. It can be one person or more than one person, but if the person you choose is a child, they will not be able to collect the benefit until they reach legal age in the state where they reside. 

Should I have life insurance after I retire?

Each case is different, but if someone still counts on you for support, then yes. You may not need quite as much as you need before retirement. Discuss the options with your independent agent. 

Do I need to buy my own insurance if I get some at work?

Your life insurance is designed to protect your loved ones in the event something happens to you. Do you trust your employer to know how much your family needs to survive? It is better to control the amount of life insurance you have yourself and think of your employee benefits as a bonus. 

Give Us A Call

Call Blevins Insurance Agency when you need help with your life insurance decisions in Lafayette, IN. 

Required Auto Insurance in Indiana

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When you are a driver in Indiana, your vehicle must be covered by the right types and amounts of auto insurance that are required by law. There are many different types of coverage that are mandated by state law, and you have to have all of those types of coverage. Your insurance agent from Blevins Insurance Agency in Lafayette, IN will know all of the amounts you need currently and all of the aspects that must be included in your policy. 

Liability Coverage in Indiana

There are several different amounts of coverage that are required in Indiana as well as different coverage types. These are types of liability coverage that pay for someone else’s damages after there is an accident that you are at fault for. There are two amounts of coverage required for bodily injury liability for auto policies in the state.

One of these amounts is for one person who gets injured in an accident, and the other amount is for everyone who sustains injuries in the accident. There is also a single amount required for property damage liability that pays for the damages to someone else’s property that are caused by the accident. 

Coverage for Underinsured and Uninsured Motorists

The state requires that all of the auto policies written in the state must have coverage for uninsured motorist bodily injury, uninsured motorist property damage, and underinsured motorist bodily injury. However, these types of coverage can be refused by doing so in writing. Talk to your insurance agent about how to reject these coverage types if you don’t want them on your policy. However, it’s a good idea to keep this coverage just in case it is ever needed. 

Get Required Auto Coverage

To make sure that you’re driving legally, you can get auto insurance from Blevins Insurance Agency in Lafayette, IN.

How much commercial insurance do I need?

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If you own a business, then you know that having the right commercial insurance is essential for protecting yourself and your employees from financial losses. But how much commercial insurance do you need in Lafayette, IN? That’s a question we at Blevins Insurance Agency are frequently asked.

Commercial Insurance Coverage

When it comes to purchasing commercial insurance, there is no one-size-fits-all solution. The amount of coverage you need depends on the type and size of your business and the industry you operate in. Certain types of businesses, such as those in the construction industry, may require additional coverage due to their higher risk profile.

The first step is to assess all of your potential exposures so that you can determine what type and amount of coverage best meet your needs. For example, if your business operates out of rented premises or owns any vehicles, then you will need property damage and liability coverage respectively. You may also want to consider cyber liability insurance if your company stores customer data electronically or has an online presence.

No matter what type of business you run, there are certain basic forms of commercial insurance that every business should carry including general liability, product liability, professional liability and workers’ compensation insurance. Your specific policy limits should reflect both the size and scope of operations as well as the level of risk associated with them. In addition, depending upon the industry in which you operate you may need additional specialty policies for even more comprehensive protection such as errors and omissions or pollution legal liability coverage. 

Give Us A Call

The right amount of commercial insurance is essential for protecting yourself against financial loss related to unexpected risks associated with running a business. For more information, call Blevins Insurance Agency today. We serve the Lafayette, IN area. 

Winter is Here: Is Your Home Protected?

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Winter is here in Lafayette, IN, and the snow, ice, and cold weather can wreak havoc on your home. From roof damage to frozen pipes, winter can cause significant disruption in your home life. That’s why you must ensure that your home is adequately insured for the winter season.

Protecting Your Home in Winter

Check Your Insurance

Before the arrival of winter, it’s essential to review your insurance policy and ensure that you are adequately covered against any potential damages. Look out for clauses such as “Snow Load Coverage,” which may be necessary if you live in an area with heavy snowfall. Additionally, check for coverage on water pipe freezing and emergency services that may be needed in case of a burst pipe or other emergency situation. If you have questions, check with your Blevins Insurance Agency representative.

Prepare Your Home

Once you have ensured that you are fully insured for the season, take proactive steps to prepare your home for any potential damage from winter weather. Clean out gutters and downspouts, so they do not become clogged with leaves or debris, and check roofs and siding for any missing shingles or cracks that can let in moisture or cold air.

Keep Up With HVAC Maintenance

Finally, it’s essential to ensure that all home heating systems function correctly before cold temperatures arrive. Have a professional inspect gas-powered furnaces and electric heaters to ensure safety and efficiency throughout the season. It’s also a good idea to clean the dust off baseboard radiators at least once a year. Hence, they work correctly when needed, especially in winter when temperatures dip below freezing.

Contact Us Today

If you have questions about how best to protect your Lafayette, IN home this winter season or need additional information about insurance policies, contact Blevins Insurance Agency today!

When to Update Your Life Insurance Policy

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A life insurance policy is one of the most important investments you can make for your family. It provides peace of mind in knowing that your loved ones will be taken care of financially if something happens to you. However, as your life changes, so should your life insurance policy. Blevins Insurance Agency in Lafayette, IN is here to help. 

When to Update Your Life Insurance Policy 

1. When You Get Married

If you’re like most people, you probably didn’t have a life insurance policy when you were single. But now that you’re married, it’s time to reconsider. It provides financial security for your spouse if something happens to you and can also pay off debts, cover funeral expenses, and more.

2. Welcome a New Child

Once you have children, your life insurance needs will increase exponentially. Not only will you need to provide for your spouse if something happens to you, but you’ll also need to make sure your children are taken care of financially. A life insurance policy can help ensure your children can attend college, have a financial cushion in an emergency, and more. Contact Blevins Insurance Agency for help with finding the proper coverage.

3. Change Jobs

Updating your life insurance policy is essential if you’ve recently changed jobs. Most employer-sponsored life insurance policies only provide up to a certain amount and may not cover you if you leave your employment. If you have a change in income, it’s also essential to update your life insurance policy so that it continues to meet your needs.

Contact Us Today 

A life insurance policy is an essential investment for anyone with family or other dependents. Be sure to review your life insurance policy periodically and make updates as needed so that it continues to meet your needs throughout your life.

Do you need help finding the right life insurance policy in Lafayette, IN? Blevins Insurance Agency can help. We specialize in assisting families in finding the right coverage at the right price.

Does automobile insurance cover driving for Uber or Lyft?

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If you’re thinking about becoming a rideshare driver for Uber or Lyft in the greater Lafayette, IN community, you might be wondering if your automobile insurance will cover you. The answer is that personal policies usually won’t. You will need a commercial auto insurance policy.

We at Blevins Insurance Agency can help you explain how to make an informed decision about whether or not to purchase rideshare insurance.

Personal Auto Insurance vs. Rideshare Insurance

Personal automobile insurance typically does not cover commercial activities, like driving for Uber or Lyft. If you get into an accident while driving for a rideshare company and you don’t have rideshare insurance, your personal auto insurer may refuse to pay out any claims. That’s why it’s so important to understand the difference between personal auto insurance and rideshare insurance.

Rideshare insurance is a commercial auto policy that provides coverage when you’re actively logged into the app and available to accept fares. Once you accepted a fare and are en route to pick up your passenger, you’re covered by the rideshare company’s liability policy up until the point that the passenger exits the vehicle.

But there’s no need to worry! Whether you have personal auto insurance or not, there are plenty of options for securing rideshare insurance. In fact, most major auto insurers now offer rideshare-specific coverage options. And because most companies consider rideshare drivers to be high-risk (due to the amount of time they spend on the road), rates are typically very affordable—usually just a few dollars more per month than your regular car insurance premium.

Contact Us Today

So, if you’re thinking about becoming a Lafayette, IN rideshare driver, make sure to do your research. Contact Blevins Insurance Agency so that we can help you get the coverage you need.

How Much Insurance Does an Online Business Need?

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Protecting your online business with the right insurance is crucial to keeping it running in an accident or disaster. But how much insurance does an online business in Lafayette IN, need? The answer depends on the size and scope of your business and the risks involved. Blevins Insurance Agency in Lafayette, IN can help you provide expert insurance advice. 

Here’s a look at some of the most important factors to consider when insuring your online business.

The Risks of Not Having Insurance for an Online Business

When you don’t have insurance for your online business, you risk being held liable for anything that goes wrong. It could be caused by someone hacking your site and stealing customer information or by a data breach in which sensitive information is leaked. If you are found at fault, you could be liable for damages.

It is also possible that you won’t be able to get funding from investors or lenders if you don’t have insurance. This is because they will see you as a higher risk and won’t invest in you.

How to Choose the Right Types of Insurance for Your Online Business

There are a few key things to consider when choosing suitable types of insurance for your online business. The first is to consider what kind of business you have. Are you an online retailer? A service provider? An information product creator? Each type of business has different risks and therefore requires additional insurance.

The second thing to consider is what kinds of risks your business faces. Do you have customers who could potentially sue you? Do you have any physical products that could be damaged or stolen? Do you have any employees? Each of these factors will affect the types of insurance you need.

Get Commercial Insurance Today

Once you know what your business needs, it’s time to reach out to Blevins Insurance Agency in Lafayette, IN. Our professional agents can find the policy that covers everything you want.

Tips for getting your home ready for fall

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Fall may seem far away as you sit in the heat of summer, but the reality is, that it is just around the corner. As the days start to get shorter, it is time to start thinking about getting your home ready for fall. At Blevins Insurance Agency in Lafayette, IN, we want to make sure that your home insurance is not one of the things that you need to get ready for fall. We take the time to customize our customer’s home insurance to their home and needs. 

Tips for getting your home ready for fall

Clean your gutters

If you don’t have gutter covers, you need to make sure you have clean gutters before the rain and leaves of fall start to fall. Backed-up gutters can cause damage to your roof and exterior walls. Don’t do this job alone, you need a spotter when you are on a ladder. Even better, hire a professional to clean your gutters. 

Do furnace maintenance

It’s time to get your HVAC maintenance done. Your furnace needs to be clean to work efficiently and it is time to make sure your AC is ready to be closed down for the winter. 

Get your chimney cleaned

If you have a fireplace that you use, a yearly chimney cleaning is recommended. It doesn’t matter if it is wood or gas, fireplaces and chimneys should be inspected and cleaned yearly. 

Get your fall tools ready

Whether you like to use a rake, a leaf blower, or a mower that picks up leaves, it is time to make sure everything is charged and ready to go. 

Put away the summer furniture and toys

As the weather gets colder, it is time to put your summer outdoor furniture away and put the cover on your grill.  Take in your hoses and turn off the outdoor faucets. 

Contact Blevins Insurance Agency in Lafayette, IN when you want to discuss your home insurance.