How much commercial insurance do I need?

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?

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

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?

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?

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

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. 

Types of Life Insurance

There are two primary types of life insurance. These are term life and whole life policies. Both of these have their own advantages and disadvantages, and you should understand what they are before you choose your life insurance policy. When you need life insurance, contact us today at Blevins Insurance Agency in Lafayette, IN to learn more. 

Life Insurance: What You Need To Know

Whole Life Insurance

This type of life insurance is one that you can keep for the rest of your life. These policies require a premium to be paid as agreed, and as long as that keeps being paid, the policy can’t be canceled. Even the company issuing the policy can’t cancel it. You can truly keep it for your whole life, as the name suggests. This type of insurance will also build up a cash value for your policy. It’s this amount that you can borrow against if you were to ever have a financial emergency and need money. Many people choose these policies because they want that extra layer of security available to them. 

Term Life Insurance

With this type of life insurance, the setup is very different. Instead of being a policy that is good for life, it is a policy that is good for a specific term, hence the name. This term is often about 20 years. The policy is in effect during the term and then expires after it. When that happens, you must get a new policy, starting over again with a new application. A major benefit of this type of insurance is that it costs less and can be very affordable. It’s a popular type of insurance because of its price tag. 

Get Your Life Insurance Policy

Most people should have life insurance, so don’t wait to get a policy of your own. When you need a policy, give us a call at Blevins Insurance Agency in Lafayette, IN to get started. 

What Business Owners Should Know About Commercial Insurance

As a business owner, it’s important to protect your investment with commercial insurance. But with so many different types of coverage available, it can be difficult to know which one is right for your business.

Blevins Insurance Agency, serving the greater Lafayette, IN community, provides this guide on what business owners should know about commercial insurance. We’ll explore the different types of coverage available and discuss how to choose the right policy for your business. So, whether you’re just starting out or you’ve been in business for years, read on to learn more about commercial insurance.

Commercial Insurance: What You Need To Know

Commercial insurance is not a one-size-fits-all product. There are many different types of coverage available, each serving a specific purpose. The most common type of commercial insurance is property insurance, which covers the physical assets of your business, such as your office or store. You’ll also need to purchase commercial auto insurance if your business owns a vehicle. Other types of coverage that are available include liability insurance, workers’ compensation insurance, and product liability insurance.

When choosing a commercial insurance policy, it’s important to consider the specific needs of your business. What are the risks that your business faces? What type of coverage do you need to protect your assets? Once you’ve answered these questions, you’ll be able to narrow down your options and choose the right policy for your business.

Get Commercial Insurance in Lafayette, IN

The bottom line is that commercial insurance is an important part of any business. By understanding the different types of coverage available, you can choose a policy that will protect your business from potential risks. With the right policy in place, you can focus on growing your business and achieving your goals. If you have any questions about commercial insurance, or if you’d like to get a quote, contact Blevins Insurance Agency today. We’re here to help you find the right policy for your business.

Keep these items in your car in case of emergency

In Lafayette, IN you never know when you’ll be faced with an emergency in your car. At Blevins Insurance Agency, we want to make sure you’re safe on the road regardless of what situation you might find yourself in. That’s why we created a list of things to keep in your car in case of an emergency. 

Emergency items include things to sustain you, such as food; things to keep you safe, such as a blanket; things to use in case of a medical emergency, such as bandages; and things to help your car in an emergency, such as jumper cables.

Include the following in your car emergency kit: 

Items for you and your family:

  • Nonperishable food
  • Water 
  • Blankets
  • A change of clothes for each member of your family
  • Diapers, wipes, formula, and baby food (if you have young children) 
  • A pocket knife 
  • A car phone charger
  • Spare cash
  • A map of the area you typically travel 
  • A flashlight
  • Batteries
  • A whistle 
  • Garbage bags
  • Food for any pets that regularly travel with you 
  • A fire extinguisher
  • Personal hygiene items, such as toothbrushes and menstrual pads 
  • A paper and pencil 
  • Toys, books, and other items to keep kids occupied 

Medical items

  • Band-aids
  • Gauze
  • Medical tape
  • First aid kit
  • Any prescription medications for members of your family 
  • Pain relievers

Items for your car 

  • Jumper cables
  • Flares
  • Reflective triangles
  • A spare tire
  • Your car’s manual 
  • Ice scraper 
  • Cat litter or sand for traction in slippery conditions 

It might seem like a hassle to prepare an emergency kit for your car, but you’ll be thanking yourself in the event you or your family face an emergency on the road near Lafayette, IN. If you have questions about how to prepare your car for an emergency or how to make sure your auto insurance is up-to-date, contact Blevins Insurance Agency today.

Is It Too Early To Get Life Insurance?

When thinking about life insurance, most people don’t think about it until they are older and getting closer to death. When they are younger, they may feel invisible. As they age, they are faced with a mortgage and raising a family. They may not have enough extra money to put toward life insurance. So, that being said, is it ever too early to get life insurance? 

Blevins Insurance Agency in Lafayette, IN recommends you consider life insurance

The truth is that it is never too early to get life insurance. In fact, some parents will buy insurance for their young children, just in case. These policies are often very affordable due to the fact that death is unlikely at this age.  

As you start to go out and live your own life, you may also feel like you are too young to get insurance. However, you may want to think about getting a policy. Your premium will be much more affordable when you are in your twenties and thirties, instead of your forties and fifties. In fact, it could double in just a few years!  

You also need to think about your health. As you age, you may develop health problems that could make your insurance cost even more. You might even have a disease that prevents you from getting insurance. That wouldn’t have been a problem if you had gotten it earlier, and you should have been covered.

Though you may feel like you are too young to worry about life insurance, the truth is that you should consider it. It will be much cheaper now than later. You may also become ineligible for insurance if you develop a health condition. 

If you want to make sure that you have the right life insurance policy, you should contact us today at Blevins Insurance Agency in Lafayette, IN.