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# Personal and Business Insurance | NWA, River Valley, & OK | BHC

BHC is your trusted insurance agency in Fort Smith, Lowell, Sallisaw, and Poteau. Contact us today for a quote on commercial insurance or personal insurance!

## Sitemaps

- [XML Sitemap](https://www.bhca.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Posts & News](https://www.bhca.com/posts-news/) - Insurance Blog. BHC Insurance - Timely news and information from your local independent insurance pros.
- [5 Common Triggers of D&O Claims for Private Companies](https://www.bhca.com/articles/5-common-triggers-of-do-claims-for-private-companies/) - In a culture where being busy often becomes a badge of honor, hobbies can feel like indulgences reserved for people with extra time. Yet research consistently shows that engaging in meaningful pastimes isn’t just fun; it can be beneficial for mental health.
- [Mental Health Benefits of Hobbies](https://www.bhca.com/articles/mental-health-benefits-of-hobbies/) - In a culture where being busy often becomes a badge of honor, hobbies can feel like indulgences reserved for people with extra time. Yet research consistently shows that engaging in meaningful pastimes isn’t just fun; it can be beneficial for mental health.
- [Schmidly Cornerstone Conversations Podcast](https://www.bhca.com/articles/schmidly-cornerstone-conversations-podcast/) - 🎙️ Listen to Cornerstone Conversations Watch and listen on your favorite platform The first episode of Cornerstone Coaching Conversations is live, and it starts with a great reminder of how close family and business can be. A meaningful conversation with Graves Schmidly and Shannon Schmidly that we’re excited to share. YouTube Apple Podcasts Spotify
- [Read your Explanation of Benefits (EOB) Like a Pro](https://www.bhca.com/articles/read-your-explanation-of-benefits-eob-like-a-pro/) - While automatic sprinkler systems and alarms play an important role, one of the most effective tools for limiting fire damage is often overlooked: the fire door.
- [The Importance of Keeping Fire Doors Closed](https://www.bhca.com/articles/the-importance-of-keeping-fire-doors-closed/) - While automatic sprinkler systems and alarms play an important role, one of the most effective tools for limiting fire damage is often overlooked: the fire door.
- [Best Practices for Responding to General Liability Claims](https://www.bhca.com/articles/best-practices-for-responding-to-general-liability-claims/) - Unforeseen incidents can occur in everyday business operations, exposing organizations to potential liability. A customer may slip on a wet floor, or a contractor may accidentally damage a client’s property.
- [Prevent Freezing Pipes in Extreme Cold](https://www.bhca.com/articles/prevent-freezing-pipes-in-extreme-cold/) - It’s that time of year again: cold snap season. Plumbing systems can freeze when temperatures take a sudden nosedive past the freezing mark, or 32 F. And when water freezes and expands within a pipe, the pipe canburst. Here are some tips to protect your plumbing during extreme cold...
- [Understanding Home Renovation Risks](https://www.bhca.com/articles/understanding-home-renovation-risks/) - Whether you’re building a new home addition, adding a feature like a swimming pool, redoing a bathroom or upgrading an electrical system, understanding and addressing possible renovation risks is critical.
- [7 Steps to Take After Open Enrollment](https://www.bhca.com/articles/7-steps-to-take-after-open-enrollment/) - Open enrollment can feel like a whirlwind; reviewing benefit options, comparing costs and making decisions for the upcoming plan year can be a lot to navigate. But once the enrollment window closes, it’s time to start preparing for your benefits to begin.
- [Using Dependent Care FSAs - What Expenses Can Be Reimbursed](https://www.bhca.com/articles/using-dependent-care-fsas-what-expenses-can-be-reimbursed/) - Most dependent care FSAs are structured so eligible employees fund their accounts with pre-tax payroll deductions through a Code Section 125 cafeteria plan. Employers may also contribute to employees’ dependent care FSAs, subject to certain nondiscrimination requirements.
- [Excellence in Family and Small Business Award Winners Recognized](https://www.bhca.com/articles/excellence-in-family-and-small-business-award-winners-recognized/) - The University of Arkansas – Fort Smith Center for Economic Development celebrated ten family-owned and small businesses and individuals at Thursday’s Excellence in Family and Small Business Awards at The Bakery District.
- [Understanding and Preventing Zero-click Attacks](https://www.bhca.com/articles/understanding-and-preventing-zero-click-attacks/) - Many types of cyberattacks involve manipulating users into doing certain tasks—whether it’s sharing login credentials, downloading dangerous attachments or clicking on harmful links—to help hackers compromise their systems or data.
- [Full Circle — A Legacy Resumed](https://www.bhca.com/articles/full-circle-a-legacy-resumed/) - "For me, I think the biggest thing is I'm a very curious person. I'm a people person. I like to learn about people. I like to find out what made them successful,"
- [Roof Hatch Safety](https://www.bhca.com/articles/roof-hatch-safety/) - Hatches are common components of many commercial buildings, providing access for roof inspections, maintenance during repairs on property elements and systems.
- [5 Facts & Myths about High-Deductible Health Plans](https://www.bhca.com/articles/5-facts-myths-about-high-deductible-health-plans/) - With open enrollment approaching, it’s important to know your employer’s health plan options so you can make an informed decision for your and your family’s health care.
- [Protecting Workers in Summer Conditions](https://www.bhca.com/articles/protecting-workers-in-summer-conditions/) - As summertime approaches, it’s important to ensure your employees will be properly protected at the construction site. After all, summer is often the hottest season of the year...
- [Executive Summary: Clark works to create environments in which people can succeed](https://www.bhca.com/articles/executive-summary-clark-works-to-create-environments-in-which-people-can-succeed/) - The following article was originally posted on talkbusiness.net in July of 2025 and is used by permission. Marty Clark is president and CEO of Fort Smith-based BHC Insurance, one of Arkansas’ largest privately held insurance agencies. A University of Arkansas graduate with a bachelor’s degree in business administration-finance and insurance, Clark began his career in
- [The Importance of Positive Self-Talk](https://www.bhca.com/articles/the-importance-of-positive-self-talk/) - Positive self-talk is a powerful tool that can shape your mindset by boosting confidence and improving overall well-being.
- [June is National Safety Month](https://www.bhca.com/articles/june-is-national-safety-month/) - June is National Safety Month. This campaign, put together by the National Safety Council (NSC), highlights initiatives to prevent injuries and fatalities inside and outside the workplace.
- [Helping Employees Manage Out-of-Pocket Medical Expenses](https://www.bhca.com/articles/helping-employees-manage-out-of-pocket-medical-expenses/) - The rising cost of health care, including prescription drugs, has made it increasingly difficult for employees to afford medical care. Employees may forgo medical care to avoid out-of-pocket costs, even when such care is recommended or necessary.
- [Understanding Roof Coverage Terms in Your Home Insurance](https://www.bhca.com/articles/understanding-roof-coverage-terms-in-your-home-insurance/) - Your home’s roof is among its most critical structural components, protecting your family, belongings and the rest of your residence from many possible perils and threats.
- [Corry Hull wins UBA Producer Peak Performer Award for a 2nd Consecutive Year!](https://www.bhca.com/articles/corry-hull-wins-uba-producer-peak-performer-award-for-a-2nd-consecutive-year/) - Chicago, Ill., May 9, 2025 – UBA, the nation's leading independent employee benefits advisory organization, proudly announced the winners of its prestigious annual awards given to UBA Partner Firm employees and one UBA Alliance with outstanding accomplishments.
- [The Importance of Cyber Insurance for Small Businesses](https://www.bhca.com/articles/the-importance-of-cyber-insurance-for-small-businesses/) - Businesses across industry lines have become more reliant on technology to conduct their operations. However, any digital presence—no matter how small—presents a cybersecurity risk.
- [10 Strategies to Address Distracted Driving](https://www.bhca.com/articles/10-strategies-to-address-distracted-driving/) - Distracted driving is a safety risk that can lead to vehicle accidents, injuries and even fatalities. Employers have a responsibility to encourage safe driving habits among their employees, especially those who operate company vehicles or drive for work-related tasks.
- [How to Navigate a Growing Array of Benefits Options](https://www.bhca.com/articles/how-to-navigate-a-growing-array-of-benefits-options/) - With an ever-expanding array of benefits options, employers face the challenge of offering benefits that align with theirorganizational goals, budget and employee needs.
- [Poison Proof Your Home](https://www.bhca.com/articles/poison-proof-your-home/) - Since 1961, the third week of March has been recognized as National Poison Prevention Week. This campaign focuses on teaching communities about the dangers of possible poisonings.
- [Common Reasons for Renters Insurance Claims](https://www.bhca.com/articles/common-reasons-for-renters-insurance-claims/) - Renters insurance can cover a range of situations, but it can still be challenging to know the appropriate time to file a claim. Understanding When to File a Claim.
- [Get to Know Zack Schaefer](https://www.bhca.com/articles/get-to-know-zack-schaefer/) - Risk Management Advisor in Sallisaw, Okla.
- [Manufacturing Trends to Watch in 2025](https://www.bhca.com/articles/manufacturing-trends-to-watch-in-2025/) - Manufacturing businesses must be mindful of the trends impacting the industry. Monitoring the latest developments and appropriately adjusting operations.
- [Working Safely in Cold Weather](https://www.bhca.com/articles/working-safely-in-cold-weather/) - Construction is one of the most hazardous industries in the United States. Many injuries on construction sites are caused by falls, struck-by incidents, caught-in-between incidents and electrocutions.
- [Preventing the Top 4 Construction Hazards](https://www.bhca.com/articles/preventing-the-top-4-construction-hazards/) - Construction is one of the most hazardous industries in the United States. Many injuries on construction sites are caused by falls, struck-by incidents, caught-in-between incidents and electrocutions.
- [10 Signs a Tree May Fall on Your Property](https://www.bhca.com/articles/10-signs-a-tree-may-fall-on-your-property/) - Trees can be valuable additions to any property; however, each year, fallen trees and branches cause millions of dollars in property damage. It is crucial to proactively recognize signs a tree may be at risk of falling to help prevent dangerous and costly accidents.
- [Staying Safe While Trick-or-Treating This Halloween](https://www.bhca.com/articles/staying-safe-while-trick-or-treating-this-halloween/) - Halloween is full of excitement for children and adults alike, but it comes with several safety concerns. With countless kids roaming around your neighborhood collecting candy, the safety of your family and those in your community should be top of mind.
- [Benefits of Cyber Liability Insurance](https://www.bhca.com/articles/benefits-of-cyber-liability-insurance/) - When cyberattacks like data breaches and hacks occur, they can result in devastating damage. Businesses have to deal with business disruptions, lost revenue and litigation. It is important to remember that no organization is immune to the impact of cyber crime.
- [The Time is Now to Kick-start Open Enrollment Efforts](https://www.bhca.com/articles/the-time-is-now-to-kick-start-open-enrollment-efforts/) - Open enrollment provides a fantastic opportunity for organizations to combat turnover—by proving they have gone above and beyond to support their employees with top-tier benefits offerings.
- [Insurance Sales Producer (Outside Sales Representative)](https://www.bhca.com/articles/insurance-sales-producer-outside-sales-representative/) - Insurance Sales Producer (Outside Sales Representative) Job Description BHC Insurance, is a leading regional insurance agency with offices in Fort Smith, AR; Rogers, AR and Sallisaw, OK. We provide a broad array of property and casualty, life and health, employee benefits, and risk management products and services. We are seeking dynamic and highly motivated Sales
- [CSR Assistant](https://www.bhca.com/articles/csr-assistant/) - CSR Assistant The Position We are looking for full time CSR Assistants for both the Commercial and the Benefits Divisions. Commercial Division: CSR Assistant will work with our Customer Service Representatives to process daily workflow, including policies, endorsements, audits, invoicing, and correspondence. Benefits Division: CSR Assistant will work with our Customer Service Representatives, Account Managers,
- [How Insurers Calculate Premiums](https://www.bhca.com/articles/how-insurers-calculate-premiums/) - In the world of insurance, it’s essential to understand key terms in order to navigate and make informed decisions about policies. One of these terms is insurance premium, which is the amount a policyholder must pay in exchange for coverage.
- [Coverage Insights: The Value of Professional Liability Insurance](https://www.bhca.com/articles/coverage-insights-the-value-of-professional-liability-insurance/) - When these errors occur, clients could face considerable harm, prompting them to hold service professionals accountable for their wrongdoings and leading to costly lawsuits.
- [Home Matters: Tips For Summer Cookouts & Reducing Water Usage](https://www.bhca.com/articles/home-matters-cookouts-waterusage/) - Grilling in your backyard is an annual summer tradition. Whether cooking out for yourself, your family or a group of guests, these occasions can be enjoyable, memorable and delicious.
- [Beat The Summer Heat](https://www.bhca.com/articles/beat-the-summer-heat/) - Summer heat can be more than uncomfortable; it can threaten your health, especially for older adults and children. Hot and humid weather can make it more challenging for your body to cool down, leading to heat-related illnesses.
- [Protect Yourself from Slips, Trips and Falls](https://www.bhca.com/articles/protect-yourself-from-slips-trips-and-falls/) - Wet floors, spills and excess clutter can mean disaster for employees, causing many every year to suffer lost pay and serious pain. Injuries caused by slips, trips and falls range from sprained or strained muscles and joints, to broken bones and head injury.
- [Think Safe - Work Safe](https://www.bhca.com/articles/think-safe-work-safe/) - Being safe is an attitude. Of course, safety means surrounding and supporting a safe work environment through the various rules,regulations, processes, and training established and guided by a partnership between the company and employees.
- [Risk Insights - Creating a Strong Safety Culture](https://www.bhca.com/articles/risk-insights-creating-a-strong-safety-culture/) - According to the Occupational Safety and Health Administration (OSHA), developing a strong safety culture has the single greatest impact on accident reduction of any workplace practice.
- [Driving Safety Matters - Preventing Accidents on the Road](https://www.bhca.com/articles/driving-safety-matters-preventing-accidents-on-the-road/) - There are specific ways to handle most hazardous situations on the road. When you anticipate a hazard, you are able to review the situation in your mind and visualize your defense so that when the time comes, you are able to act quickly enough to prevent an accident.
- [Corry Hull Receives UBA Peak Performer Award](https://www.bhca.com/articles/corry-hull-receives-uba-peak-performer-award/) - Congratulations to Corry Hull on being awarded the UBA Peak Performer award This prestigious honor was awarded to Corry as the top performing producer amongst more than 100 UBA firms. Pictured presenting this award to Corry is United Benefit Advisors® (UBA) President, Colleen Kucera, CAE.
- [Study Shows Employers Prioritize Employee Wellness Over Costs When Selecting Benefits](https://www.bhca.com/articles/study-shows-employers-prioritize-employee-wellness-over-costs-when-selecting-benefits/) - A new study by consumer credit reporting agency TransUnion revealed that employers are prioritizing holistic wellness over price when selecting employee benefits. Employee benefits brokers and advisors nationwide were surveyed for the sixth year.
- [The Insurance Market Cycle: Hard Versus Soft Markets](https://www.bhca.com/articles/the-insurance-market-cycle-hard-versus-soft-markets/) - The auto insurance market is struggling with multiple challenges, resulting in sharp insurance premium increases for consumers.
- [April's National Distracted Driving Enforcement Campaign](https://www.bhca.com/articles/aprils-national-distracted-driving-enforcement-campaign/) - During this time, the National Highway Traffic Safety Administration (NHTSA) runs an enforcement campaign to call attention to the consequences of distracted driving.
- [5 Steps for Buying Life Insurance](https://www.bhca.com/articles/5-steps-for-buying-life-insurance/) - Life insurance is a crucial tool that can provide peace of mind and security for individuals and their loved ones in times of need.
- [Don't Forget; It's National Blood Donor Month](https://www.bhca.com/articles/dont-forget-its-national-blood-donor-month/) - Winter is one of the most challenging times of the year to collect enough blood products and donations to meet patientneeds. That's why National Blood Donor Month is celebrated every January.
- [Tax Risks For Business](https://www.bhca.com/articles/tax-risks-for-business/)
- [Cyber Risks & Liabilities](https://www.bhca.com/articles/cyber-risks-and-liabilities/)
- [Cyber Liability: Two-Factor Authentication](https://www.bhca.com/articles/cyber-liability-twofactor-authentication/)
- [Data Spotlight - Distracted Driving is Dangerous and Costly](https://www.bhca.com/articles/data-spotlight-distracted-driving-is-dangerous-and-costly/) - In 2020, the National Highway Traffic Safety Association reported 3,142 deaths caused by distracted driving.
- [Clark's Career Comes Full Circle Through Deal](https://www.bhca.com/articles/clarks-career-comes-full-circle-through-deal/) - In 2020, the National Highway Traffic Safety Association reported 3,142 deaths caused by distracted driving.
- [Home Matters](https://www.bhca.com/articles/home-matters/) - Having a swimming pool at your home can make for exciting and entertaining times, especially during the summer months.
- [Sunscreen Tips](https://www.bhca.com/articles/suncreen-tips/) - Having a swimming pool at your home can make for exciting and entertaining times, especially during the summer months.
- [Improving Your Self-Discipline](https://www.bhca.com/articles/improving-your-self-discipline/) - Winter is one of the most challenging times of the year to collect enough blood products and donations to meet patientneeds. That's why National Blood Donor Month is celebrated every January.
- [Navigating the Overlap Between the ADA and the FMLA](https://www.bhca.com/articles/navigating-the-overlap-between-the-ada-and-the-fmla/) - When an employee becomes sick, has a disability or must take leave to support their family, they may be entitled to legal protections.
- [Home Insurance Rising](https://www.bhca.com/articles/home-insurance-rising/) - Although the cost of insurance may fluctuate for various reasons each year, the following are some factors currently influencing home insurance policies across the country.
- [How Diet Impacts Mental Health](https://www.bhca.com/articles/how-diet-impacts-mental-health/) - It's generally understood that what you eat affects your physical health, but it's lesser known that diet also impacts your mental health.
- [Understanding the Hard Auto Insurance Market](https://www.bhca.com/articles/understanding-the-hard-auto-insurance-market/) - The auto insurance market is struggling with multiple challenges, resulting in sharp insurance premium increases for consumers.
- [Sleep Matters for Mental Health](https://www.bhca.com/articles/sleep-matters-for-mental-health/) - When you don’t get enough sleep, not only does it affect your physical health, but it also takes a toll on your mental health. In fact, mental health and sleep are so closely related that a lack of sleep can often lead to issues such as anxiety or depression. Most adults need at least seven
- [Preventing Frozen Pipes at Home](https://www.bhca.com/articles/preventing-frozen-pipes-at-home/) - The auto insurance market is struggling with multiple challenges, resulting in sharp insurance premium increases for consumers.
- [Protecting Your Business Against Frozen Pipes and Sprinklers](https://www.bhca.com/articles/protecting-your-business-against-frozen-pipes-and-sprinklers/) - The auto insurance market is struggling with multiple challenges, resulting in sharp insurance premium increases for consumers.
- [Customer Service Associate](https://www.bhca.com/articles/customer-service-associate/) - Customer Service Associate The Position We are looking to add a motivated individual to our team of service professionals. Some key elements of success within our agency service platform are being ready to meet challenges with a positive attitude, having a desire to grow in knowledge and experience within the agency, and of course being
- [Commercial Lines Account Manager - NWA](https://www.bhca.com/articles/commercial-lines-account-manager-nwa/) - Commercial Lines Account Manager - NWA The Position We are looking for a talented individual with a minimum of two (2) years of experience servicing medium and large commercial lines insurance customer accounts with an independent insurance agency. Salary is flexible and extremely commensurate with experience and ability. The Benefits Medical/Dental/Vision Profit Sharing Life and
- [Commercial Lines Account Manager - Fort Smith](https://www.bhca.com/articles/commercial-lines-account-manager-fort-smith/) - Commercial Lines Account Manager - Fort Smith The Position We are looking for a talented individual with a minimum of two (2) years of experience servicing medium and large commercial lines insurance customer accounts with an independent insurance agency. Salary is flexible and extremely commensurate with experience and ability. The Benefits Medical/Dental/Vision Profit Sharing Life
- [Avoiding Contractor Scams Following Storm Damage](https://www.bhca.com/articles/avoiding-contractor-scams-following-storm-damage/) - Homeowners may have to manage significant losses and complicated processes after a significant weather event. While trying to get back on their feet and return to a sense of normalcy as quickly as possible may be tempting, it’s essential to be thorough and diligent in navigating the recovery process. Unfortunately, some parties may seek to
- [Benefits Breakdown February 2023](https://www.bhca.com/articles/benefits-breakdown-february-2023/) - The Trendiest Benefits for 2023 There’s no denying that employees’ needs have changed in recent years. As such, employers should consider offering benefits to meet evolving worker needs shaped by the lingering effects of the COVID-19 pandemic, a tight labor market and rising inflation. In 2023, many workers are now paying more attention to their
- [Workplace Wellness Trends to Watch in 2023](https://www.bhca.com/articles/workplace-wellness-trends-to-watch-in-2023/) - 4 Employee Wellness Trends to Watch in 2023 Workplace well-being transforms every day, so employers’ wellness initiatives will continue to grow this year. All signs indicate that employee well-being will become a primary focus for employers in 2023. And in a general sense, many organizations will have a renewed focus on employees as people. Employees
- [Winter Storms & Extreme Cold](https://www.bhca.com/articles/winter-storms-extreme-cold/) - While the amount of danger from winter weather varies across the country, nearly all Americans are likely to face some degree of severe winter weather throughout their lives. Winter storms can range from moderate snow over the course of a few hours to a blinding blizzard that lasts for several days. Many winter storms are
- [Just Moved? Remember to Update Your Address](https://www.bhca.com/articles/just-moved-remember-to-update-your-address/) - Here are some tips for updating your home address after you move: Be sure to tell your insurance agent and insurance company about your move. This information is vital to ensure your insurance policies are up-to-date. Additionally, depending on the location and characteristics of your new home, informing your insurer of your updated address could
- [Reducing Winter Utility Bills](https://www.bhca.com/articles/reducing-winter-utility-bills-3/) - Though it may be tempting to simply lower the temperature on a thermostat, there are several ways to lower your utility bill while staying warm and cozy. Consider these tips to reduce your monthly utility bills in the winter. Look for and seal any areas where heat may be escaping from your home, especially around
- [10 Winter Home Maintenance Tips](https://www.bhca.com/articles/10-winter-home-maintenance-tips/)
- [Candle Safety in Your Home](https://www.bhca.com/articles/candle-safety-in-your-home/) - The National Fire Protection Association says there is an average of 21 home fires caused by candles every day—with 85% of them being avoidable.
- [How Your Credit Score Affects Insurance Premiums](https://www.bhca.com/articles/how-your-credit-score-affects-insurance-premiums/) - If your score isn’t great, you’ll be paying more for your coverage.
- [Be Aware - Vehicle Theft on the Rise](https://www.bhca.com/articles/be-aware-vehicle-theft-on-the-rise/) - Consider the following tips to protect your vehicle against theft. • Never leave your vehicle running while it is unattended. • Roll up your windows, lock your doors and remove keys whenever you are away from your vehicle. • Don’t leave valuables in your vehicle, especially in plain sight. • Look for well-lit areas or
- [Staged Auto Accident Fraud](https://www.bhca.com/articles/staged-auto-accident-fraud/) - According to the FBI, staged auto accidents cost the insurance industry more than $20 billion each year.
- [Six Tips for Adding a Teen to Your Auto Policy](https://www.bhca.com/articles/six-tips-for-adding-a-teen-to-your-auto-policy/) - If your teen is approaching driving age, it may be time to start thinking about adding them to your auto insurance policy. Although this will likely increase your insurance premiums, it is typically cheaper than having your teen purchase an auto policy in their own name. Here are six tips to consider when adding a
- [Preventing House Fires](https://www.bhca.com/articles/preventing-house-fires/) - Every year, thousands of people die or are injured as a result of house fires in the United States. Fortunately, most of these fires can be prevented with the proper precautions. Here are five common causes of house fires and how to avoid them. Cooking—Stay in the kitchen when you are frying, grilling or broiling
- [Avoid Vehicle Collisions with Wildlife this Fall](https://www.bhca.com/articles/avoid-vehicle-collisions-with-wildlife-this-fall/) - Fall is a beautiful time of year, but it’s also when most wildlife-vehicle collisions occur. More than 300,000 of such incidents happen yearly between October and December, according to the Federal Highway Administration.
- [Tips for Teens Traveling On Their Own](https://www.bhca.com/articles/tips-for-teens-traveling-on-their-own/) - Allowing your teen to take a trip without you—whether it’s across the country or abroad—can be an exciting time that provides them with a newfound sense of independence. However, it can also come with serious safety and security risks. And in the event of a disaster during the trip, it’s important that your teen knows
- [Protection and Peace of Mind with Life Insurance](https://www.bhca.com/articles/protection-and-peace-of-mind-with-life-insurance/) - If others depend on you for financial support, part of your financial plan should include how you’ll provide for them in the event of your death. Purchasing a life insurance policy is a safety net that ensures your loved ones’ future financial obligations are met, covering items such as funeral costs, outstanding debt, estate taxes
- [Navigating an Auto Accident](https://www.bhca.com/articles/navigating-an-auto-accident/) - Here are the steps to take in case of an accident.
- [Know Your Insurance Needs through Different Ages and Stages](https://www.bhca.com/articles/know-your-insurance-needs-through-different-ages-and-stages/) - As we age and reach different milestones in our lives, our insurance needs change.
- [Personal Cyber Coverage Explained](https://www.bhca.com/articles/personal-cyber-coverage-explained/) - Today’s society has grown increasingly digital in nature, with many individuals leveraging smart devices within their daily lives. Although this technology can offer various benefits, it can also make individuals more susceptible to cybercrime. Such incidents have steadily become more common and costly. In fact, the FBI reported receiving more than 800,000 complaints regarding cybercrimes
- [Auto Insurance Mistakes to Avoid](https://www.bhca.com/articles/auto-insurance-mistakes-to-avoid/) - You may not think an error on your auto insurance application is a big deal, but the consequences can be very costly. Giving inaccurate information on your application can lead to increased premiums, policy cancellations or insufficient coverage in the event of an accident. Here are some common mistakes to avoid when applying for auto
- [Strategies for Coping with Inflation](https://www.bhca.com/articles/strategies-for-coping-with-inflation/) - As inflation has reached its highest rate in several decades, costs have soared across the country. As a result, you’ve likely noticed that prices for necessities such as gasoline and groceries have risen. While it’s uncertain how long heightened levels of inflation will last, it’s best to focus on what you can control. Consider these
- [Understanding a Personal Article Floater](https://www.bhca.com/articles/understanding-a-personal-article-floater/) - What Is a Personal Article Floater? A personal article floater policy is a type of inland marine insurance that may protect readily movable property. The coverage travels or “floats” with the valuable items. It can supplement your other standard insurance policies, such as a homeowners policy. A personal article floater can be a separate policy
- [Stay Safe in the Sun](https://www.bhca.com/articles/stay-safe-in-the-sun/) - Use these prevention techniques while you are out in the sun.
- [Protect Your Car from the Sun and Heat](https://www.bhca.com/articles/protect-your-car-from-the-sun-and-heat/) - If you don’t take the proper precautions, the sun can severely damage key components of your vehicle.
- [Preparing Your Home for Summer Vacation](https://www.bhca.com/articles/preparing-your-home-for-summer-vacation/) - When preparing to leave for a vacation, it’s easy to overlook basic home safety precautions. To protect your residence while you’re away and enjoy a worry-free trip, keep in mind the following tips: Unplug small appliances and electronic devices. Pause newspaper and mail deliveries. Lock all windows and doors. Arrange to have your lawn mowed
- [Insuring Your College Student](https://www.bhca.com/articles/insuring-your-college-student-3/) - When your child leaves for college, it is a big event. One thing that you should think about is your insurance coverage and how it could change with your son or daughter away at school. Protecting Your Student’s Belongings Many homeowners policies consider a dorm room as an extension of your home, so items your
- [Swimming Pool Liability Precautions](https://www.bhca.com/articles/swimming-pool-liability-precautions-2/) - Consider the following tips to help minimize your liability risks as you beat the heat in your pool this summer.
- [Cybersecurity Tips for Business Travelers](https://www.bhca.com/articles/cybersecurity-tips-for-business-travelers/)
- [Insuring Your College Student](https://www.bhca.com/articles/insuring-your-college-student/) - Some Things to Consider
- [Summer Grilling Safety](https://www.bhca.com/articles/summer-grilling-safety/)
- [Six Tips to Prevent Road Rage](https://www.bhca.com/articles/six-tips-to-prevent-road-rage/) - An average of 1,500 people are killed each year in the US due to aggressive driving.
- [Throwing a Party at Home? Have Fun. Be Smart.](https://www.bhca.com/articles/throwing-a-party-at-home-have-fun-be-smart/) - It's summertime and the living is easy. Hosting a party at your home can be a fun way to connect with your friends and family. However, it’s important to ensure that your guests will be safe and secure while you’re hosting them. Here are some considerations for protecting guests and your home during a party:
- [Motorcycle Awareness Safety Month](https://www.bhca.com/articles/motorcycle-awareness-safety-month/) - To help keep motorcyclists safe on the road while you’re driving your vehicle, follow these safety tips: Check lanes twice before changing. Double-check to be sure you didn’t miss a motorcyclist who may have been in your blind spot. Be aware. Pay extra attention while driving at night. Motorcycles are smaller and may not be
- [Lightning Safety during Storms](https://www.bhca.com/articles/lightningsafety/) - Lightning storms are incredibly dangerous and more deadly than tornadoes, floods and hurricanes. When a storm is on the verge of striking your area, you need to know the steps to take in order to protect your family and home. Use these tips to stay safe during a lightning storm: Seek shelter in an enclosed
- [BHC Insurance Welcomes Josh Tritt to NWA Office](https://www.bhca.com/articles/bhc-insurance-welcomes-josh-tritt-to-nwa-office/) - BHC Insurance is pleased to announce the addition of Josh Tritt as a risk management advisor in their Northwest Arkansas office. With 18 years of experience in the insurance industry, Tritt is a seasoned specialist in construction bonding and insurance. “It’s my goal to offer the best insurance and surety programs available to the businesses
- [3 Employee Attraction and Retention Tips for Small Businesses](https://www.bhca.com/articles/3-employee-attraction-and-retention-tips-for-small-businesses/)
- [IDENTIFYING AND AVOIDING PHONE SCAMS](https://www.bhca.com/articles/identifying-and-avoiding-phone-scams/) - Every year, people report fraud, identity theft and bad business practices to the Federal Trade Commission (FTC) and law enforcement partners. According to FTC data, more than 2.8 million people reported fraud in 2021, and 1 in 4 said they also lost money. The median loss in scams that start with a call is $1,200,
- [Tips to Save on Gasoline Costs](https://www.bhca.com/articles/tips-to-save-on-gasoline-costs/)
- [Purchasing Prescriptions Online](https://www.bhca.com/articles/purchasing-prescriptions-online/) - Only 3% of online pharmacies are reviewed by the National Association of Boards of Pharmacy in compliance with U.S. pharmacy laws and standards. With this in mind, many online sources for purchasing medication may not be licensed pharmacies or may not actually be pharmacies at all. As a result, diagnoses may be incorrect, and you
- [Pick a Safe Password](https://www.bhca.com/articles/pick-a-safe-password/) - Find a balancing act between both memorable and complex.
- [Teen Traveling Alone? Remember These Tips](https://www.bhca.com/articles/teen-traveling-alone-remember-these-tips/) - Auto Insurance Guidance If your teen will be driving on their trip, have them review these auto insurance considerations: Always have your insurance ID card, title and registration in your vehicle at all times. If you have an accident, call 911 for emergencies or the police for nonemergencies. Then, call your parents. Do not allow
- [Tips for Filing an Insurance Claim](https://www.bhca.com/articles/tips-for-filing-an-insurance-claim/) - Call your insurer as soon as an incident occurs. The quicker you get the process moving, the better. After you’ve contacted your insurer, you can ask an adjuster to come and inspect the damage. Document your losses before the adjuster comes. Make a thorough list of property that has been impacted by a disaster. Provide
- [Have New Jewelry in the House? Protect it!](https://www.bhca.com/articles/have-new-jewelry-in-the-house-protect-it/) - The Holiday's may be over and Valentine's Day is approaching, and while it may be cold outside love is still in the air. Well, love and a few other things perhaps, such as new jewelry. It's exciting to receive jewelry from a loved one – or to give it as a gift. Not to mention
- [Cyber Liability Insurance Coverage](https://www.bhca.com/articles/cyber-liability-insurance-coverage/) - Awareness of the potential cyber liabilities your company faces is essential to managing risk through proper coverage.
- [Reducing Winter Utility Bills](https://www.bhca.com/articles/reducing-winter-utility-bills-2/) - Consider these tips to reduce your monthly utility bills in the winter.
- [5 Ways to Start 2022 Off Right](https://www.bhca.com/articles/5-ways-to-start-2022-off-right/) - Things to think about in the new year.
- [IRS Announces 2022 Standard Mileage Rates](https://www.bhca.com/articles/irs-announces-2022-standard-mileage-rates/)
- [Insurance for Newlyweds -Things to Think About](https://www.bhca.com/articles/insurance-considerations-for-newlyweds/) - Here are some things to think about when it comes to carrying insurance as a couple. Use the topics in this article as a way to start a discussion about your insurance needs. BHC Insurance can then help you narrow down your options. Auto Insurance If you and your spouse have separate auto insurance policies,
- [Winterize Your Home](https://www.bhca.com/articles/winterize-your-home/) - Make sure your house is ready to handle cold temperatures this winter.
- [Reduce Holiday Stress](https://www.bhca.com/articles/reduce-holiday-stress/) - The holidays can be a major source of stress for many Americans. Top holiday stressors include staying on a budget, managing multiple commitments and finding the perfect gifts. And if COVID-19 transmission is high in your community, you may also be feeling worried about you and your loved ones' health. Consider the following coping mechanisms
- [Stay Safe While Decking the Halls](https://www.bhca.com/articles/stay-safe-while-decking-the-halls/) - Select lights that have been independently tested by a safety and compliance organization. Tested products will generally have a label. Inspect all lights before using them and discard those with damaged cords or plugs. Also, make sure the lights are unplugged before replacing any bulbs. Use a ladder made of nonconductive materials when you hang
- [Hosting Thanksgiving? Have Fun. Be Smart.](https://www.bhca.com/articles/hosting-thanksgiving-have-fun-be-smart/) - Be sure your guests are safe and secure while you're hosting.
- [Keeping Pests Out of Your Home this Fall](https://www.bhca.com/articles/keeping-pests-out-of-your-home-this-fall/) - Have a pest control service visit your home quarterly (every 3-4 months) to spray around your foundation and in other areas where pest infestations are likely to occur. Use poisons or various traps to catch and kill larger pests like mice, rats, squirrels and moles. Humane traps, which allow you to catch the pests for
- [National Teen Driver Safety Week](https://www.bhca.com/articles/national-teen-driver-safety-week/) - Recent research from the Centers for Disease Control and Prevention found that drivers ages 16-19 are more likely to be involved in a motor vehicle crash than any other age group. Nevertheless, newly licensed teens can avoid accidents by upholding safe driving practices on the road. Be sure to give your teen the following tips
- [BHC Supports the Fort Smith Regional Art Museum](https://www.bhca.com/articles/bhc-supports-the-fort-smith-regional-art-museum/) - "We think the arts are clearly something that's important for Fort Smith." - BHC President Marty Clark. Learn more about why BHC is proud to be a sponsor of the Fort Smith Regional Art Museum and challenges other local businesses to look at ways to support the arts in the community.
- [Coping with Pandemic Financial Stress](https://www.bhca.com/articles/coping-with-pandemic-financial-stress/) - Financial anxiety occurs across all income levels.
- [Is Your Car Ready for Fall Driving?](https://www.bhca.com/articles/is-your-car-ready-for-fall-driving/) - Seasonal changes from summer to fall affect your vehicle and how it runs, so it’s important to keep up with a regular maintenance schedule.
- [Ten Fall Home Maintenance Tips](https://www.bhca.com/articles/ten-fall-home-maintenance-tips/)
- [Get to Know Paxton Clark](https://www.bhca.com/articles/get-to-know-paxton-clark/) - Risk Management Advisor at our Northwest Arkansas Office
- [Securing Your Personal Devices](https://www.bhca.com/articles/securing-your-personal-devices/) - To ensure your information isn’t accessed and exploited by cybercriminals, consider these personal device security tips. Protect your devices. Use a passcode, PIN, fingerprint lock or facial identification to keep devices as secure as possible. Don’t forget to log out. Always log out of mobile apps and websites when you’re done using them. If you don’t
- [Meet Graves Schmidly](https://www.bhca.com/articles/meet-graves-schmidly/) - Risk Management Advisor Graves joined BHC in July 2021 after graduating from the University of Arkansas with a BBA in Finance. What's the best part of your job? I'm excited to help others protect what they have worked hard to build. My biggest motivation is the fact that there are people and businesses out there
- [Eight Common Car Insurance Myths](https://www.bhca.com/articles/eight-common-car-insurance-myths/) - Auto insurance can be complex and difficult to understand. With all the information available to policyholders, it can be challenging to decipher the facts from myths. Knowing what’s covered under your auto policy and the factors that determine your premium is crucial. What’s more, not understanding your coverage may lead you to believe you’re covered
- [Be Aware of Hazardous Household Products](https://www.bhca.com/articles/be-aware-of-hazardous-household-products/) - Common household products that are potentially dangerous include air fresheners, batteries, bleach, detergents, cleaners and pet ointments or medications.
- [Insuring Your College Student](https://www.bhca.com/articles/insuring-your-college-student-4/) - Sending a child off to college is a significant milestone that represents the culmination of years of planning and hard work. As you prepare for the start of the semester, you should consider how your insurance needs may change with your son or daughter away at school. Protecting Your Student’s Belongings Many homeowners policies consider a
- [Know the Pros and Cons of Run Flat Tires](https://www.bhca.com/articles/know-the-pros-and-cons-of-run-flat-tires/) - Many vehicles are now equipped with run-flat tires. These tires let you continue driving for nearly 100 miles after a tire puncture or blowout occurs.
- [Summer 2021 Travel Safety Tips](https://www.bhca.com/articles/summer-2021-travel-safety-tips/) - If you’re trading your staycation for a getaway, here are some tips to keep you as safe as possible this summer:
- [BHC Announces Acquisition of Shore Insurance of Poteau, Okla.](https://www.bhca.com/articles/bhc-announces-acquisition-of-shore-insurance-of-poteau-okla/) - BHC Insurance is pleased to announce Shore Insurance, Inc. of Poteau, Okla. signed a deal effective July 1, 2021 to become part of the BHC Insurance family. BHC is a full-service independent insurance agency specializing in business, personal, life and health insurance products. It is currently the third largest independent insurance agency in Arkansas and
- [Divorce and Your Insurance Coverage](https://www.bhca.com/articles/divorce-and-your-insurance/) - Here are some important things to consider when going through this stressful time.
- [Save Money on Gas This Summer](https://www.bhca.com/articles/save-money-on-gas/) - As gas prices rise, remember these tips for filling your tank.
- [Recipe For Grilling Safety](https://www.bhca.com/articles/recipe-for-grilling-safety/) - We’ve cooked up the following safety precautions to make sure your cookout is nothing but tasty.
- [The Rising Cost of Building Materials and Home Insurance Costs](https://www.bhca.com/articles/the-rising-cost-of-building-materials-and-home-insurance-costs/) - Homeowners could discover that existing policy limits and features no longer offer adequate protection. Further, policyholders’ premium costs may increase to account for the risk of elevated claim expenses.
- [Protect Your Home from Sewer Backups](https://www.bhca.com/articles/protect-your-home-from-sewer-backups/) - Check out these tips for preventing a sewer backup from happening in your home.
- [Pay Attention to Vehicle Recall Notices](https://www.bhca.com/articles/pay-attention-to-vehicle-recall-notices/) - If you decide to ignore a vehicle recall, you may be putting your vehicle, yourself and your passengers at risk.
- [Prevent Mold in Your Home](https://www.bhca.com/articles/prevent-mold-in-your-home/) - Mold can look like spots and can be many different colors. If you see or smell it, remove it; you don’t need to know what type of mold it is.
- [Extended Replacement Coverage for Your Home](https://www.bhca.com/articles/basics-of-extended-replacement-coverage/) - This form of coverage provides a benefit over and above the policy limits for replacing a damaged house.
- [SAVE 💵 IN YOUR HOUSEHOLD](https://www.bhca.com/articles/save-💵-in-your-household/) - Check out these tips to conserve energy and save money at home.
- [Using an Online Pharmacy](https://www.bhca.com/articles/41557-2/)
- [Vehicle Thefts Increased in 2020](https://www.bhca.com/articles/vehicle-thefts-increased-in-2020/)
- [Saving for Retirement](https://www.bhca.com/articles/saving-for-retirement/) - It’s hard to picture what our lives will look like after we retire. However, by saving money for our future, we can feel better prepared for what’s to come.
- [Maintaining your Tires](https://www.bhca.com/articles/maintaining-your-tires/) - Proper maintenance of your tires can improve your gas mileage, prevent unwanted accidents and maintain proper steering.
- [Selecting an Effective Home Security System](https://www.bhca.com/articles/selecting-an-effective-home-security-system/) - Home security systems have become increasingly popular and are a viable option to consider when securing your home. However, there are many different home security systems, so it can be hard to decide which one is best for you. Here are some factors to consider when trying to decide which security system would work best
- [The Costs of Delaying or Avoiding Health Care During Covid](https://www.bhca.com/articles/the-costs-of-delaying-or-avoiding-health-care-during-covid/)
- [Reducing Winter Utility Bills](https://www.bhca.com/articles/reducing-winter-utility-bills/) - When outside temperatures begin to drop, one of the most costly consequences is the increased energy it takes to maintain a comfortable home temperature.
- [Home Theft Prevention Tips](https://www.bhca.com/articles/home-theft-prevention-tips/) - Many burglaries do not occur in the dead of night, contrary to what most people think.
- [Fire Pit Safety](https://www.bhca.com/articles/fire-pit-safety/) - Keep safety in mind at your next gathering to ensure your memories are great ones.
- [Signs You May Need to Replace Your Cloth Mask](https://www.bhca.com/articles/signs-you-may-need-to-replace-your-cloth-mask/) - Tips on when you need a new mask and proper care of ones you're using.
- [Decorate Safely for the Holidays](https://www.bhca.com/articles/decorate-safely-for-the-holidays/)
- [Cybersecurity Tips for Online Holiday Shopping](https://www.bhca.com/articles/cybersecurity-tips-for-online-holiday-shopping/) - Online shoppers are often top targets for cybercriminals - especially during the holidays.
- [Covid-19 vs. Flu vs. Cold - Which is it?](https://www.bhca.com/articles/covid-19-vs-flu-vs-cold-which-is-it/) - As expected during the pandemic, every cough, sneeze or throat tickle may give you cause for concern.
- [New Home? Don't Forget to Update your Address](https://www.bhca.com/articles/new-home-dont-forget-to-update-your-address/) - Some reminders on who to notify when you move.
- [What to Do in a Hit-and-Run](https://www.bhca.com/articles/what-to-do-in-a-hit-and-run/) - Remember these three things in an accident.
- [Strategies for Saving on Prescription Drugs](https://www.bhca.com/articles/strategies-for-saving-on-prescription-drugs/) - It’s no surprise that drug prices vary, so it can pay to shop around.
- [How to Prepare for a Power Outage](https://www.bhca.com/articles/how-to-prepare-for-a-power-outage/) - Consider these proactive safety measures to protect your family and home against the threat of power outages. 
- [What to Do If Your Car is Totaled in an Accident](https://www.bhca.com/articles/what-to-do-if-your-car-is-totaled-in-an-accident/) - If you're involved in a car accident and think your car may be totaled, there are a few steps to follow.
- [Safety Tips for Teen Drivers and Their Parents](https://www.bhca.com/articles/safety-tips-for-teen-drivers-and-their-parents/)
- [Personal Risk Management Questionnaire](https://www.bhca.com/articles/personal-risk-management-questionnaire/)
- [Adjusting to Your New Post-Coronavirus Normal](https://www.bhca.com/articles/adjusting-to-your-new-post-coronavirus-normal/) - You may be experiencing a range of emotions. It’s important to know that it’s completely normal to feel uneasy and confused as you figure out what your post-coronavirus normal looks like.
- [Tips for Improving Your Credit Score](https://www.bhca.com/articles/tips-for-improving-your-credit-score/) - Low credit scores can impact your insurance rates.
- [Lowering Your Electric Bill this Summer](https://www.bhca.com/articles/lowering-your-electric-bill-this-summer/) - Residential electricity sales are expected to increase by 3% this summer because more people are working from home and social distancing.
- [SBA Unveils PPP Loan Forgiveness Application](https://www.bhca.com/articles/sba-unveils-ppp-loan-forgiveness-application/)
- [Business Travel After Covid-19](https://www.bhca.com/articles/business-travel-after-covid-19/) - Airports, airlines, hotels and car rental companies will likely be taking new precautions as companies start greenlighting travel for business purposes.
- [Fire Pit Safety Tips](https://www.bhca.com/articles/fire-pit-safety-tips/) - Whether you already have a fire pit, are planning to add one or just purchased a portable one, it’s important to review safety tips to enjoy a safe summer.
- [Designing a Post-Coronavirus Office Space](https://www.bhca.com/articles/designing-a-post-coronavirus-office-space/) - By updating office layouts, encouraging new behaviors and expanding remote work options, employers can help prevent the spread of future diseases.
- [Working from Home Right Now? Avoid Burnout](https://www.bhca.com/articles/working-from-home-right-now-avoid-burnout/) - Tips to Reduce Your Stress
- [Preventing Remote Employee Burnout](https://www.bhca.com/articles/preventing-remote-employee-burnout/) - Burnout is a serious syndrome that may be affecting your employees. Take note of these suggestions to prevent it.
- [Tax Day Moved to July 15](https://www.bhca.com/articles/tax-day-moved-to-july-15/) - The Treasury Department and the IRS issued new guidance related to federal tax payments and coronavirus disease 2019 (COVID-19).
- [Maintaining Your Mental Well-Being During a Quarantine](https://www.bhca.com/articles/maintaining-your-mental-well-being-during-a-quarantine/) - If you’re self-quarantining or practicing social distancing, keep the following six tips in mind to maintain your mental well-being.
- [Understanding the Historic $2 Trillion Stimulus Package](https://www.bhca.com/articles/understanding-the-historic-2-trillion-stimulus-package/) - All Americans would do well to understand the package’s provisions, as it will offer direct relief to businesses and individuals alike.
- [Spring Home Maintenance Tips](https://www.bhca.com/articles/spring-home-maintenance-tips/) - Consider these home maintenance tips as you gear up for spring.
- [U.S. House of Representatives Passes Corrected Coronavirus Relief Bill](https://www.bhca.com/articles/u-s-house-of-representatives-passes-corrected-coronavirus-relief-bill/) - In addition to funding for economic assistance and Covid-19 testing, the Act contains provisions intended to support workers.
- [How Coronavirus Could Affect Your Business's Insurance](https://www.bhca.com/articles/how-coronavirus-could-affect-your-businesss-insurance/) - The new coronavirus (COVID-19) outbreak continues to be a top-of-mind concern for organizations and individuals across the globe. As COVID-19 becomes increasingly widespread, it’s not only raising fears about the well-being of the general public, but it’s also disrupting business operations and creating insurance exposures. In fact, COVID-19 has already led to business interruptions, supply
- [Preventing Home Burglaries](https://www.bhca.com/articles/preventing-home-burglaries/) - Taking the proper precautions before you go on vacation can make all the difference when it comes to preventing theft.
- [Keep Mold Out of Your Home](https://www.bhca.com/articles/keep-mold-out-of-your-home/) - The key to mold prevention is moisture control. Here are some mold prevention recommendations.
- [Forced to Leave Your Home? Loss-of-Use Coverage Has Your Back](https://www.bhca.com/articles/forced-to-leave-your-home-loss-of-use-coverage-has-your-back/) - Natural disasters, fires and accidents can all result in you having to leave your home unexpectedly. Loss-of-use coverage can help.
- [Don't Let Distracted Driving Raise Your Insurance Rates](https://www.bhca.com/articles/dont-let-distracted-driving-raise-your-insurance-rates/) - With car insurance premiums already at an all-time high, it’s important to eliminate the following driving distractions to avoid a penalty.
- [8 Tips to Avoid Email Phishing Scams](https://www.bhca.com/articles/8-tips-to-avoid-email-phishing-scams/) - Phishing scams are a simple way for hackers to steal sensitive information about you or your company. This infographic provides eight tips to help you avoid falling victim to phishing scams.
- [Don't Let Your Tires Fall Flat in the Cold](https://www.bhca.com/articles/dont-let-your-tires-fall-flat-in-the-cold/) - Incorrect tire pressure can result in a number of different misfortunes, ranging from a flat tire to a life-threatening situation.
- [Turkey Fryer Safety Tips](https://www.bhca.com/articles/turkey-fryer-safety-tips/) - As with any cooking tool, it’s important to use caution when using a turkey fryer as it can be extremely dangerous.
- [Factors that Affect Your Home Insurance Premium](https://www.bhca.com/articles/factors-that-affect-your-home-insurance-premium/) - Home insurance coverage can differ from policy to policy depending on a multitude of factors. Being aware of these factors that affect your premium can ensure that you are appropriately covered. Review this Know Your Insurance to understand the factors that are influencing your home insurance premiums. Your Personal Information Your credit history, claims history
- [How to Respond to a Car Fire](https://www.bhca.com/articles/how-to-respond-to-a-car-fire/) - In its most recent available data, the U.S. Fire Administration reported that firefighters responded to 204,000 car fires in 2016 with an average of 345 people dying each year between 2014 and 2016. Here are some tips to keep you and your family safe in the event of a car fire: Pull over as quickly
- [Mistakes to Avoid When Applying for Auto Insurance](https://www.bhca.com/articles/mistakes-to-avoid-when-applying-for-auto-insurance/) - Inaccuracies on your auto insurance application can end up costing you more money in the long run.
- [Health Concerns Following a Flood](https://www.bhca.com/articles/health-concerns-following-a-flood/) - A natural disaster can be one of the most devastating events in a person’s lifetime. Families can be uprooted and entire neighborhoods can be destroyed in the blink of an eye. Here are some things to know following a flood crisis. Unhealthy Conditions After a large flood, there are huge amounts of water in places
- [Get to Know Brad Nelson](https://www.bhca.com/articles/get-to-know-brad-nelson/) - Q& A with Brad Nelson | Life and Group Benefits Consultant | NWA Office
- [BHC in Northwest Arkansas | Meet Scott Whittenberg](https://www.bhca.com/articles/meet-scott-whittenberg-bhc-in-northwest-arkansas/) - Get to know this Risk Management Advisor from our Northwest Arkansas office
- [Lowering Health Care Costs by Improving Well-Being](https://www.bhca.com/articles/lowering-health-care-costs-by-improving-well-being/) - Health care costs continue to rise, and it can feel as though there is nothing you can do to combat the expenses—but there is.
- [Helpful Fuel-saving Strategies](https://www.bhca.com/articles/helpful-fuel-saving-strategies/) - Save money with these tips for saving on gas
- [Spring HVAC Filter Maintenance](https://www.bhca.com/articles/spring-hvac-filter-maintenance/) - Spring is the start of allergy season for many people, making it a great time to inspect your filter.
- [Home Fire Escape Plans](https://www.bhca.com/articles/home-fire-escape-plans/) - Planning ahead for a fire can be the difference between being trapped in your home and escaping safely.
- [Q&A with John Paul Jamison - Celebrating 20 Years at BHC](https://www.bhca.com/articles/qa-with-john-paul-jamison-celebrating-20-years-with-bhc/) - Life and Group Benefits Consultant John Paul Jamison joined BHC Insurance in March 1999. We had a few questions for him as he celebrates 20 years with the agency. How did you get your start at BHC? I was working in the insurance field and planning on moving to Florida to run an office for
- [Making an Emergency Roadside Kit](https://www.bhca.com/articles/making-an-emergency-roadside-kit/) - Part of being a safe driver is preparing for any situation you could encounter on the road, but in a worst-case scenario, you need to ensure you have some essential equipment.
- [Shopping for a Safe Vehicle](https://www.bhca.com/articles/shopping-for-a-safe-vehicle/) - Many automakers offer safety features beyond the required federal minimums.
- [Tips for Filing an Insurance Claim](https://www.bhca.com/articles/tips-for-filing-an-insurance-claim/) - In order to get the most out of the claims process, consider these tips.
- [Uninsured and Underinsured Motorists](https://www.bhca.com/articles/uninsured-and-underinsured-motorists/) - You May Have Enough Insurance, But What About Other Drivers?
- [Protect Your Family From the Dangers of Carbon Monoxide](https://www.bhca.com/articles/protect-your-family-from-the-dangers-of-carbon-monoxide-2/) - With winter weather affecting us all in our attempts to remain comfortable, it's also the time of year which presents the greatest risk for an invisible threat. Carbon monoxide is an odorless, colorless, invisible gas that results when certain fuels do not burn completely. And it can be deadly. That's why it's important to know
- [WHEN A GUEST CAUSES DAMAGE AT YOUR HOME](https://www.bhca.com/articles/when-a-guest-causes-damage-at-your-home/) - Does my homeowner's policy cover damage caused by my guests?
- [Tips for Preventing Frozen Pipes](https://www.bhca.com/articles/tips-for-preventing-frozen-pipes/) - One of the messiest and most costly homeowner repairs is fixing a burst, frozen pipe.
- [Chimney Maintenance](https://www.bhca.com/articles/chimney-maintenance/) - In spite of the ambiance and relaxation that a fireplace provides, there are also inherent fire dangers. To combat the risk of fire or inhalation of dangerous carbon monoxide (CO) gas, it is important for you to make chimney maintenance part of your home loss prevention plan. Both metal and masonry chimneys require maintenance so
- [Ladder Safety](https://www.bhca.com/articles/ladder-safety/) - To help prevent ladder accidents, practice these safety tips.
- [Driver Safety After Dark](https://www.bhca.com/articles/driver-safety-after-dark/) - Autumn brings less daylight, which results in an increase in traffic deaths. In fact, since drivers aren’t used to the decreased visibility, traffic deaths are three times more common after the sun goes down than during the daytime—both for drivers and pedestrians. Studies suggest that it can take several days to adapt after daylight saving
- [Are You Prepared for a Home Break-in?](https://www.bhca.com/articles/are-you-prepared-for-a-home-break-in/) - While it may be difficult to imagine it happening to you, home break-ins are a common occurrence. If an intruder enters your home, your property and the well-being of your loved ones are at risk. In order to protect your home and family from an intruder, consider doing the following: Put an emergency plan in
- [No Tricks, Just Treats this Halloween](https://www.bhca.com/articles/safehalloween/) - Do you remember how much fun it was to get dressed up as your favorite action hero, cartoon character or princess and go door to door for Halloween treats? Well, your children can now experience that same joy. Just as your parents did for you, now it’s your turn to prevent Halloween accidents and injuries
- [7 Tips for Driving Safely in Fog](https://www.bhca.com/articles/7-tips-for-driving-safely-in-fog/) - Driving safely requires full concentration and vigilance. However, during weather events like heavy fog, visibility is poor and can negatively impact your driving.
- [NOW HIRING || Commercial Lines Processor](https://www.bhca.com/articles/now-hiring-commercial-lines-processor-2/) - Commercial Lines Processor || Fort Smith Office || Posted 7.30.18 Position Summary The Commercial Lines Processor will perform the essential duties of this position, which include working closely with the Customer Service Representative with the processing of assigned tasks. The Commercial Lines Processor works under the direction of the Commercial Lines Manager. Essential Functions •
- [Looking for a New Car? Check out the Latest Safety Features](https://www.bhca.com/articles/looking-for-a-new-car-check-out-the-latest-safety-features/) - Vehicle technology seems to advance each year, as new features improve driver and passenger safety. Here are just a few new features now available.
- [Cyber Liability Insurance for Businesses](https://www.bhca.com/articles/cyber-liability-insurance-for-businesses/)
- [Stop Hackers with Strong Password Management](https://www.bhca.com/articles/stop-hackers-with-strong-password-management/) - One of the first things hackers do when they attempt to infiltrate computer systems is to try using any common or stolen passwords.
- [Are You Using Your HSA Effectively?](https://www.bhca.com/articles/are-you-using-your-hsa-effectively/) - Everybody uses their health savings account (HSA) a little differently, and that’s OK. In fact, flexibility is one of the many advantages of an HSA. However, there are a few things you should keep in mind to make sure that you’re utilizing your HSA as efficiently as possible.
- [The Agent Advantage](https://www.bhca.com/articles/the-agent-advantage/) - What do I give up by not using an agent to purchase insurance? The disadvantage of not using an agent to purchase insurance is that the policyholder does not receive as much, or often any, personal service. A licensed agent with whom there is direct contact can be vital when purchasing a product and absolutely
- [Personal Insurance Solutions](https://www.bhca.com/articles/personal-insurance-solutions/) - Our clients rely on us to creatively assist them with their insurance and financial needs to protect what matters most. The insurance professionals at BHC Insurance can assist you in selecting the most comprehensive coverage, provided by highly-rated insurance companies. Automobile insurance From vehicles to motor homes to motorcycles, our comprehensive auto insurance solutions will
- [Tips for Safe RV Usage](https://www.bhca.com/articles/tips-for-safe-rv-usage/) - RVs can be a fun way to see the country and spend time with your family. However, because they’re bigger and heavier than an average car, there are additional hazards that come with owning and operating an RV.
- [Get to Know Kathy Schaefer](https://www.bhca.com/articles/get-to-know-kathy-schaefer/) - Kathy Schaefer currently serves as Vice President, Administration at BHC Insurance overseeing administrative functions at our offices in Fort Smith, Lowell and Sallisaw. She started with the agency in 1987 as an accounting assistant. WHAT WOULD YOU MOST LIKE PEOPLE TO KNOW ABOUT WHAT YOU DO AT BHC? I strive to provide leadership, guidance and
- [Get to Know John Paul Jamison, Benefits Consultant](https://www.bhca.com/articles/get-to-know-us/) - Q& A with John Paul Jamison Life and Group Benefits Consultant Started work at BHC Insurance in Fort Smith on March 1, 1999 WHAT WOULD YOU MOST LIKE PEOPLE TO KNOW ABOUT WHAT YOU DO AT BHC? I don’t “sell” insurance. I work with business owners in managing their employee benefits costs and making sure
- [Using Fireworks Safely](https://www.bhca.com/articles/using-fireworks-safely/) - Even mild fireworks like sparklers can get hot enough to burn through clothing. To prevent burn injuries, exercise extreme caution when lighting and holding fireworks, and monitor your children closely while celebrating. Firework Safety Recommendations: Read and follow the manufacturer’s safety instructions and warnings. Do not try to make your own fireworks; use only those
- [Swimming Pool Liability Precautions](https://www.bhca.com/articles/swimming-pool-liability-precautions/) - Fun in the sun is even better when you have a swimming pool in your backyard to stay cool on hot, summer days. Despite all the entertainment that a swimming pool offers, there are also homeowner liabilities. To help you minimize your risk, we’ve gathered some safety tips to keep you in the know as
- [Lightning and Summer Storms](https://www.bhca.com/articles/lightning-and-summer-storms/) - Lightning storms are incredibly dangerous and more deadly than tornadoes, floods and hurricanes. When a storm is on the verge of striking your area, you need to know the steps to take in order to protect your family and home. Use these tips to stay safe during a lightning storm: Seek shelter in an enclosed
- [Celebrating Milestone Anniversaries](https://www.bhca.com/articles/celebrating-milestone-anniversaries/) - June 1st, 2018 marks two special work anniversaries at the Fort Smith office of BHC Insurance. 45 years ago, Janice Butler started her career at the agency. She was still a student at Southside High School in 1973 when she took part in a program that partnered students with outside employers so they could get
- [Get to Know Tonya Wennberg - Commercial Lines Manager](https://www.bhca.com/articles/get-to-know-tonya-wennberg-commercial-lines-manager/) - For more than 20 years, Tonya Wennberg has been a part of the team at BHC Insurance. She's currently manager of the commercial lines department. "I love making a difference, and every day I strive to do just that. It can be the need of an insured or a coworker. If I have the capability
- [Coverage in Action - Personal Umbrella Liability Insurance](https://www.bhca.com/articles/coverage-in-action-personal-umbrella-liability-insurance/) - After a hectic work week, Jim Marshall was looking forward to a relaxing weekend with his wife and kids. He was just a few blocks from home when his cellphone rang. He glanced down to see who was calling. That split-second distraction was all it took for him to miss the approaching stop sign. Jim
- [Is Gap Coverage Right for You?](https://www.bhca.com/articles/is-gap-coverage-right-for-you/) - Depending on your vehicle’s make, model and loan terms, we can help you determine if gap insurance is the right choice for you.
- [Managing Credit Card Debt](https://www.bhca.com/articles/managing-credit-card-debt/) - Credit cards can be incredibly helpful, particularly when you need to make a large purchase. However, if you don’t keep up with your payments, credit card debt can compound and create a serious source of stress.
- [April is Distracted Driving Awareness Month](https://www.bhca.com/articles/april-is-distracted-driving-awareness-month/) - Don't be distracted. Just Drive.
- [What to Do If You Witness a Car Accident](https://www.bhca.com/articles/what-to-do-if-you-witness-a-car-accident/) - When you see a car accident, a calm, quick response can make all the difference.
- [Shopping for a Safe Vehicle](https://www.bhca.com/articles/shopping-for-a-safe-vehicle-2/) - Shopping for a new car can be stressful, especially if you want one that is both safe and reliable. Thankfully, new cars come equipped with a variety of design features that can make driving safer.
- [How Technology is Improving Home Safety](https://www.bhca.com/articles/how-technology-is-improving-home-safety/) - As a homeowner, one of your top priorities is keeping your property and family safe from intruders. With the advent of smart homes and new technology, home security is easier and more affordable than ever.
- [Love your Gift? Insure it!](https://www.bhca.com/articles/love-your-gift-insure-it/) - The Basics Standard homeowners, condominium or renters insurance policies include a limited amount of coverage for jewelry and other valuable items. However, many policies limit the dollar amount of coverage for the theft or loss due to a covered peril of such items. To properly protect certain types of valuables, additional coverage is available through
- [Safe Driving Saves Money](https://www.bhca.com/articles/safe-driving-saves-money/) - How is your insurance premium decided? Here are some of the factors. Before giving you a premium price quote for your automobile coverage, insurance companies look at your driving record for the last three to five years. Your driving record reveals how risky you would be as an insured. Those with lots of tickets and/or
- [Trampoline Liabilities](https://www.bhca.com/articles/trampoline-liabilities-2/) - Use these tips to protect your personal property Always supervise all users on the trampoline, regardless of their ages or experience levels. Only allow one person on at a time. Do not allow children under the age of six to use a trampoline. Do not place a ladder near a trampoline because it welcomes younger
- [Keep Your Pipes From Freezing](https://www.bhca.com/articles/keep-your-pipes-from-freezing/) - Did You Know? Generally, pipes that are exposed to outdoor temperatures freeze more readily, such as hose bibs, swimming pool lines and water sprinkler lines. Pipes that run along exterior walls in the home with minimal insulation also tend to freeze more easily. Read on for some hints to help keep your pipes from freezing.
- [Now's the Time! Planning for Financial Stability](https://www.bhca.com/articles/nows-the-time-planning-for-financial-stability/) - Obtaining the peace of mind financial stability brings starts with reviewing your current financial resources. This is important because your financial resources affect not only your ability to reach your goals, but your ability to protect those goals from potential financial crises. These are the resources you will draw on to meet various life events.
- [3 Charitable Giving Ideas for This Holiday Season](https://www.bhca.com/articles/3-charitable-giving-ideas-for-this-holiday-season/) - For some, the holiday season is synonymous with charitable giving and showing kindness to your friends, family and even strangers. With that season once again upon us, here are three best practices for charitable giving: Consider what charity you want to help. Choosing a charity can be a daunting task, but it doesn’t have to
- [Making Sure You Have the Right Auto Coverage](https://www.bhca.com/articles/making-sure-you-have-the-right-auto-coverage/) - Dropping some of your coverage—like comprehensive or collision—to the lowest legal level can cut your premium, but it could also put you at serious risk. An automobile insurance policy is designed to provide you with a level of protection against property, liability and medical costs if you are involved in an accident. Property coverage pays
- [Beat Holiday Budget Stress](https://www.bhca.com/articles/beat-holiday-budget-stress/) - According to the American Psychological Association (APA), the leading cause of stress during the holiday season derives from money problems. If you are like most consumers, you have not planned ahead and may find yourself struggling for cash come January. Proper budgeting and smart shopping techniques will help you stay within budget while finding something
- [Cyber Monday Safety Tips](https://www.bhca.com/articles/cyber-monday-safety-tips/) - The Monday after Thanksgiving has become known as the biggest online shopping day of the year, with companies offering discounts galore to entice customers. But it’s also a day that scammers hope to use to their benefit by trying to lure in victims with offers that sound too good to be true. From fraudulent auction
- [Tips for Saving for Your Child's Future](https://www.bhca.com/articles/tips-for-saving-for-your-childs-future/) - Saving for your child’s future is important, especially when you consider how expensive college is. Thankfully, there are a number of steps parents can take to start saving today in order to ensure their children are financially prepared for the future. The following are some easy tips to consider: Start saving the day your child
- [Insuring Your Valuables](https://www.bhca.com/articles/insuring-your-valuables/) - Standard homeowners, condominium or renters insurance policies include a limited amount of coverage for jewelry and other valuable items. However, many policies limit the dollar amount of coverage for the theft or loss due to a covered peril of such items. To properly protect certain types of valuables, additional coverage is available through a policy
- [Is Your Vehicle Affected by a Recall?](https://www.bhca.com/articles/is-your-vehicle-affected-by-a-recall/) - Although vehicle manufacturers issue recalls frequently in order to repair equipment that may present a safety risk, many drivers aren’t aware that their vehicles are affected and fail to get potentially lifesaving repairs. According to J.D. Power and Associates, 1 in 6 vehicles on U.S. roads has been recalled, but not repaired. When a vehicle
- [Protecting Your Home from Storms](https://www.bhca.com/articles/protecting-your-home-from-storms/) - Heavy rainfall, high winds, hail and lightning from storms can cause severe damage to your home and endanger you and your family. In fact, storms cause a total of nearly $5 billion in property damage every year, according to data from the National Weather Service. Make sure to protect your home from storm damage by
- [What You Should Know About Flood Insurance](https://www.bhca.com/articles/what-you-should-know-about-flood-insurance/) - Just a single inch of water from flooding can cause costly damage to your home. Here’s what you need to know about insuring against damages caused by flooding. What protection does it offer? A standard homeowners policy does not cover damages from flooding. A separate flood policy is needed to cover losses to your property
- [Parents: Help Your Teen Worker](https://www.bhca.com/articles/parents-help-your-teen-worker/) - Your teen's employer is not the only one responsible for making sure that your teen is safe on the job. You and your child should also take a proactive role in ensuring that he or she does not suffer any injuries or illnesses. Help your child make his or her first experiences in the working
- [Homeowner's Insurance Policy - FAQs](https://www.bhca.com/articles/homeowners-insurance-policy-faqs/) - What property and perils are excluded from my policy? Typically, coverage does not apply to damage caused by flood, surface water, water that backs up through sewers or drains, earth movement, nuclear damage, war, etc. Personal liability and medical payments do not apply to the operation, ownership, use, etc., of any aircraft, automobile, RV, water
- [Dangers of Distracted Driving](https://www.bhca.com/articles/dangers-of-distracted-driving/) - While there may be little you can do to control another person’s driving, you can certainly control your own distractions. To minimize your risks while driving, avoid the following: Talking on a cellphone or texting Touching up makeup or hair in the rearview mirror Tending to smoking materials Adjusting the radio Eating Reading directions or
- [Insuring Your College Student](https://www.bhca.com/articles/insuring-your-college-student-2/) - Protecting Your Student’s Belongings Many homeowners policies consider a dorm room as an extension of your home, so items your child keeps there may be covered to some extent. However, if your child has expensive electronic equipment or furniture, you may want to consider purchasing additional coverage. If your child lives off campus, his or
- [Trampoline Liabilities](https://www.bhca.com/articles/trampoline-liabilities/) - Trampolines can provide hours of entertainment and fun for the whole family—especially young children. However, there are a number of liability risks trampoline owners need to consider to keep loved ones safe.
- [Unexpected || July 23-30 || Location Map](https://www.bhca.com/articles/unexpected-july-23-30-location-map/) - Here's a look at all the Unexpected projects in Fort Smith. The 2017 projects are in PINK. Learn more at http://www.unexpectedfs.com/
- [Playing it Safe: Your Trip Abroad](https://www.bhca.com/articles/playing-it-safe-your-trip-abroad/) - If you’re traveling outside of the United States, the best way to ensure a safe trip is to prevent problems before they happen. The more you know before you go, the less likely you are to have difficulties during your travels. Follow these safety precautions provided by the U.S. State Department to help ensure a
- [SNAPCHAT “SNAP MAP” SAFETY](https://www.bhca.com/articles/snapchat-snap-map-safety/) - What is Snap Map? Introduced in a June 2017 update, Snap Map allows users to share their exact location with their friends within the Snapchat app. Snap Map gathers location data using a smartphone's GPS sensor and displays the time of day an individual is at a specific location and his or her speed of
- [Fireworks Safety 101](https://www.bhca.com/articles/fireworks-safety-101/) - Fireworks are a staple at festivities for many Americans during the Independence Day weekend. Here are some safety suggestions to help you avoid accidents when using fireworks. • Do not shoot fireworks off if you are under the influence of alcohol. • Always have a hose or water bucket handy. • Keep spectators a safe distance
- [Protecting Your Identity](https://www.bhca.com/articles/protecting-your-identity/) - Identity thieves will steal your wallet, purse or laptop, pick through your mail, dig through your garbage, hack into your computer or stage email and telephone scams to obtain your personal information. They’ll stop at nothing to obtain as much personal and/or financial information about you as they can to take advantage of you for
- [Drones: The Risk Exposures to Your Business](https://www.bhca.com/articles/drones-the-risk-exposures-to-your-business/) - While the military and hobbyists have been using unmanned aerial systems (UAS), better known as drones, for some time now, businesses are just starting to adapt the technology for their own uses. UAS are creating new opportunities—and new risks—for businesses to evaluate, and regulators and insurance carriers are scrambling to keep pace. Regulation The FAA
- [Using Drones Safely](https://www.bhca.com/articles/using-drones-safely/) - Drones are usually thought of as toys or hobbyist aircraft. However, they also constitute a substantial risk to your family, home and privacy. Whether or not you own a drone, it’s important that you’re aware of regulations and safety tips regarding their use. Registering Your Drone Here are the basic guidelines for registering recreational drones
- [Grilling Safety Reminders For Your Summer BBQ](https://www.bhca.com/articles/grilling-safety-reminders-for-your-summer-bbq/) - Though grilling is an extremely popular way to prepare food in the summer, it can also be dangerous. According to the U.S. Fire Administration, gas and charcoal grills account for an average of 10 deaths and 100 injuries annually. Additionally, the National Fire Protection Association reports that an average of 8,900 home fires are caused
- [Do You Need Car Rental Insurance?](https://www.bhca.com/articles/do-you-need-car-rental-insurance/) - The best time to make the decision about whether you will need extra rental car insurance is before you’re standing at the car rental counter. Collision Damage Waiver (CDW), or Loss Damage Waiver (LDW), relieves you of financial responsibility if your rental car is damaged or stolen. If you have comprehensive and collision on your
- [Boat Insurance for Smooth Sailing](https://www.bhca.com/articles/boat-insurance-for-smooth-sailing/) - You can insure just about any kind of vessel, whether you have a yacht, speed boat or personal watercraft like a JetSki. Every type of boat has the potential to be stolen or damaged, and can be involved in an incident that results in harm to another person or their property. Even if your boat
- [Summer Water Safety Refresher](https://www.bhca.com/articles/summer-water-safety-refresher/) - Summer Water Safety Refresher Teach children water safety and swimming skills as early as possible. Always brief babysitters on water safety, emphasizing the need for constant supervision. Appoint a “designated watcher” to monitor children during social gatherings at or near pools. Equip doors and windows that exit to a pool area with alarms. Install a
- [Now Hiring - Commercial Lines Processor](https://www.bhca.com/articles/now-hiring-commercial-lines-processor/) - Position Summary The Commercial Lines Processor will perform the essential duties of this position, which include working closely with the Customer Service Representative with the processing of assigned tasks. The Commercial Lines Processor works under the direction of the Commercial Lines Manager. Essential Functions Performs functions in agency management system Achieve assigned task as the
- [PROTECTING AGAINST HAIL DAMAGE](https://www.bhca.com/articles/protecting-against-hail-damage/) - Hail can strike geographically anywhere and can cause major damage to your vehicle. If a hailstorm strikes without warning, take the following precautions to keep yourself and your vehicle safe. Do not get out of your vehicle if you are driving during a hailstorm. If you can pull over to the side of the road,
- [Facts About Flash Floods](https://www.bhca.com/articles/facts-about-flash-floods/) - Flash floods occur as a result of heavy rainfall, rapid snow thaw, city drains overflowing or dam/levee failures. They occur quickly and unexpectedly, within 6 hours of the events that caused them. Here are more facts to give you an idea of how dangerous flash floods can be: Every region in the United States can
- [It’s Tax Season. It’s Also IRS Phone Scam Season.](https://www.bhca.com/articles/its-tax-season-its-also-irs-phone-scam-season/) - Prepare Yourself for IRS Phone Scams Your phone rings. When you check, the caller ID shows it's the IRS calling. (Three letters that can give you a sinking feeling in the pit of your stomach.) But you think to yourself: I don't believe I owe any taxes. And I haven't even submitted this year's return.
- [I Lease My Car, Do I Need Gap Insurance?](https://www.bhca.com/articles/i-lease-my-car-do-i-need-gap-insurance/) - Whether you lease your car or have an outstanding auto loan, Gap insurance can provide valuable protection during the early years of your car’s life. As we all know, a new car’s value drops the minute you drive it off the lot. And unfortunately, if a bus plows into the side of your new car
- [Motorcycle Insurance](https://www.bhca.com/articles/motorcycle-insurance/) - Buying motorcycle insurance is very similar to buying automobile insurance. Typically, you will need the following coverage: Liability insurance to cover you for bodily injury or property damage resulting from an accident with your motorcycle. Be sure to ask us whether your policy covers injuries to your passengers. Some states require it, while others don’t.
- [Insuring Your Home During Remodeling](https://www.bhca.com/articles/insuring-your-home-during-remodeling/) - If you're adding an extra room or improving your home in some way, you will likely need to update your homeowners insurance policy so that the new addition or improvements will be covered. You should do this before you start any work, because if you don’t and the new addition or improvement is damaged or
- [Insuring a New Driver](https://www.bhca.com/articles/insuring-a-new-driver/) - When your new driver is named on an existing auto insurance policy or obtains his or her own insurance, the company providing the coverage is assuming an additional risk. In order to cover that new risk, there is an additional cost for insuring the young driver. To determine the appropriate cost of providing coverage to
- [Personal Umbrella – The Ultimate Armor for Today’s World](https://www.bhca.com/articles/personal-umbrella-the-ultimate-armor-for-todays-world/) - A personal umbrella policy is sometimes misunderstood. That's unfortunate because the personal umbrella is an insurance "best buy". It is inexpensive and does its job well. Let's take a look at just what this policy does, determine if you need one, and decide if it's worth it to purchase a policy for yourself. We'll look
- [Windshield Damage - Repair or Replace?](https://www.bhca.com/articles/windshield-damage-repair-or-replace/) - WHACK! A rock just bounced off your windshield, leaving a dime-sized chip right in front of your nose. Not only does it obstruct your view, but if it's like other rock chips you've received, it'll soon sprout cracks that spread like wildfire. There was a time when a chip or crack in your windshield
- [Protect Your Family From the Dangers of Carbon Monoxide](https://www.bhca.com/articles/protect-your-family-from-the-dangers-of-carbon-monoxide/) - With winter weather affecting us all in our attempts to remain comfortable, it's also the time of year which presents the greatest risk for an invisible threat. Carbon monoxide is an odorless, colorless, invisible gas that results when certain fuels do not burn completely. And it can be deadly. That's why it's important to know
- [Danger of Carbon Monoxide Poisoning Highest in Winter](https://www.bhca.com/articles/danger-of-carbon-monoxide-poisoning-highest-in-winter/) - Carbon monoxide (CO) is considered the “silent killer” because it is impossible to see, taste or smell the toxic fumes, and it can kill you before you are aware it is in your home. At lower levels of exposure, CO causes mild effects that are often mistaken for the flu. At higher levels, the effects
- [Insuring A Home Based Business](https://www.bhca.com/articles/insuring-a-home-based-business/) - Generally speaking, homeowners insurance does not cover your home business. Some standard homeowners policies cover a maximum of $2,500 for business equipment in the home, but none cover business-related liability or other losses. If you run a business from your home (and there are about 12 million Americans who do), it is likely that you
- [Now is the Time to Steer Clear of Deer](https://www.bhca.com/articles/now-is-the-time-to-steer-clear-of-deer/) - Love is in the air and that means deer are more active than usual. It's time for the Deer Rut (mating season) and it sends the deer into a frenzy. November is the worst month of the year for deer/car collisions followed by October then December. Below are tips from the Oklahoma Insurance Department to
- [Insuring Your Rental Car](https://www.bhca.com/articles/insuring-your-rental-car/) - The best way to protect yourself when using a rental car is to purchase a regular automobile insurance policy that explicitly extends collision and comprehensive coverage to rental cars in any state or country. If you don't own a car and you rent on a regular basis, you might want to purchase a "nonowner" policy
- [Halloween Safety Tips](https://www.bhca.com/articles/halloween-safety-tips/) - Halloween is an exciting time of year for kids, and to help ensure they have a safe holiday, here are some tips from the American Academy of Pediatrics (AAP). All Dressed Up: Plan costumes that are bright and reflective. Make sure that shoes fit well and that costumes are short enough to prevent tripping, entanglement
- [Stay Safe On That Hayride](https://www.bhca.com/articles/stay-safe-on-that-hayride/) - 7 Tips for Fall Fun Safety There's perhaps nothing that more embodies fall than heading down to the local pumpkin patch. You can pick out the perfect gourd for carving, purchase apple cider and donuts, wander through a corn maze and hop on a hayride. Seriously, who doesn't enjoy riding through a farm or orchard
- [Attention Parents: Tips For Driving with Your Teen](https://www.bhca.com/articles/attention-parents-tips-for-driving-with-your-teen/) - Rule #1 for parents - Set a good example! While your teen is driving: Give simple and clear directions, such as "brake," "slow," and "cover" (lightly cover the brake with your foot, in preparation to stop). Use a calm tone of voice. Watch your teen's arms - if they are not relaxed, the situation may
- [BHC INSURANCE CHOSEN AS EXAMPLE FOR INDEPENDENT INSURANCE AGENCIES NATIONWIDE](https://www.bhca.com/articles/bhc-insurance-best-practices-agencies/) - BHC Insurance is proud to be part of an elite group of independent insurance agencies around the United States chosen as a 2016 Best Practices Agency by the Independent Insurance Agents & Brokers of America (IIABA). This designation recognizes the business practices of high performing agencies and urges others to adopt similar practices. BHC Insurance
- [Personal Umbrella – The Ultimate Best Buy](https://www.bhca.com/articles/personal-umbrella-the-ultimate-best-buy/) - A personal umbrella policy is sometimes misunderstood.. That's unfortunate because the personal umbrella is an insurance “best buy”. It is inexpensive and does its job well. Let's take a look at just what this policy does, determine if you need one, and decide if it's worth it to purchase a policy for yourself. We'll look
- [Pros and Cons of Higher Deductibles for Auto, Home and Business Insurance](https://www.bhca.com/articles/pros-and-cons-of-higher-deductibles-for-auto-home-and-business-insurance/) - As insurance costs rise, more individuals, families and businesses are looking at using higher deductibles. Choosing the right insurance deductible is important and it does take some thought. There are advantages and disadvantages to increasing your deductibles. So here are some things to consider before you make a decision to increase your personal or business
- [Auto Insurance State Minimums Probably Aren’t Near Enough](https://www.bhca.com/articles/auto-insurance-state-minimums-probably-arent-near-enough/) - There are a wide variety of silly and somewhat funny things we can do from time to time, like telling people that dihydrogen monoxide is coming out of the sink (dihydrogen monoxide is the chemical name for water), but one thing you should avoid falling for as a consumer is being told that carrying only
- [Are Car Insurance Ads Mind-Boggling to You?](https://www.bhca.com/articles/are-car-insurance-ads-mind-boggling-to-you/) - Well, do not feel bad, you are not alone. Car Insurance ads are mind-boggling. Most of them are based on price, then price, and lastly, price. Frankly, it is not that simple. I am sure you have heard the phrase, “A rose is a rose is a rose is a rose”. Gertrude Stein wrote this
- [What Makes a Vehicle a Target for Thieves?](https://www.bhca.com/articles/what-makes-a-vehicle-a-target-for-thieves/) - Although car theft can happen to anyone, thieves target some vehicle models more than others. Vehicles from older model years are targeted because thieves are able to sell the used parts quickly, and older models don’t have the sophisticated anti-theft features that newer cars have. Popular vehicle models are also targeted more frequently, as their
- [Keep Energy Costs Down This Summer](https://www.bhca.com/articles/keep-energy-costs-down-this-summer/) - When the mercury in the thermometer rises, so do energy costs. According to Energy Star, an international standard for energy efficiency, the main contributor to summer electricity bills is air conditioning, so taking steps to keep your system efficient will reduce your bills. Along with performing regular maintenance on your air-conditioning unit, here are a
- [Inspecting Home Hail Damage](https://www.bhca.com/articles/inspecting-home-hail-damage/) - Many spring and summer storms are capable of producing large hail. Read on to learn how to spot hail damage on your home.
- [Find Out If Your Vehicle Has a Safety Recall](https://www.bhca.com/articles/find-out-if-your-vehicle-has-a-safety-recall/) - Vehicle Recalls have reached a record high nationwide. An estimated fifty million vehicles operating in the United States have had recalls due to safety issues, but the National Highway Traffic Safety Administration (NHTSA) estimates that 25 percent of recalled vehicles are never repaired. That’s why it’s important to be proactive about vehicle recalls. There are
- [Is Your Business Protected Against Cyber Attacks?](https://www.bhca.com/articles/is-your-business-protected-against-cyber-attacks/) - Don't be fooled, hackers aren't just targeting big health insurance companies and retail stores these days. They're wreaking havoc in businesses large and small. You can protect your company from losing everything to a data breach with a cyber liability policy. Kirby Cockrum of BHC Insurance tells us more ... https://www.youtube.com/watch?v=1Fg-LGa-ldw Who's at risk?
- [Preventing Sewer Backups](https://www.bhca.com/articles/preventing-sewer-backups/) - Some of the costliest homeowners insurance claims are from sewer and water backup mishaps. The most common cause of a backup in your sewer lateral (the pipe that runs from your city’s sanitary sewer main to your home) is from items the line is not meant to handle. We’ve gathered some practical prevention tips to
- [BHC Welcomes Scott Whittenberg](https://www.bhca.com/articles/bhc-welcomes-scott-whittenberg/) - BHC Insurance is pleased to welcome Scott Whittenberg. Scott is a risk management advisor in the Fort Smith office. He works with clients to make sure all their assets are adequately protected. “My main focus is on property and casualty insurance for commercial businesses,” says Whittenberg. “I work to provide innovative coverage solutions so companies’
- [John Teagle Joins BHC Insurance Team](https://www.bhca.com/articles/john-teagle-joins-bhc-insurance-team/) - BHC Insurance is pleased to announce the addition of John Teagle to the Fort Smith team. He has joined the agency as a Life and Group Benefits Consultant. John brings more than 20 years of health care experience to his new role. “My initial focus is to serve as a consultant to our clients as
- [We Love Teachers! BHC Insurance Honors Educators](https://www.bhca.com/articles/bhc-loves-teachers/) - At BHC Insurance, our job is to protect what you hold dear. Things like businesses, homes, cars, belongings. It’s work we’re proud to do because it lets our community rest easy. This month, we recognize some other professionals who protect our assets every day – teachers. We took to Facebook to ask people to nominate
- [Are You a Classic Car Owner?](https://www.bhca.com/articles/are-you-a-classic-car-owner/) - Classic car insurance is critically important in protecting your latest investment. Whether you purchase a muscle car or an antique vehicle, you must be insured. Discover your insurance options today.
- [FAQ: Will my homeowners policy cover me for losses outside my home?](https://www.bhca.com/articles/faq-will-my-homeowners-policy-cover-me-for-losses-outside-my-home/) - There is only one way to find out the answer to this question, and that is to check your policy. Homeowners policies regularly provide protection for off-premise destruction or theft, which covers your possessions while they are outside your home. For example, if your luggage were stolen while you're on vacation, a homeowner's policy containing
- [Take Time For Chimney Maintenance](https://www.bhca.com/articles/take-time-for-chimney-maintenance/) - Lighting a fire on a cold, winter night is a wonderful way to stay warm and toasty. In spite of the ambiance and relaxation that a fireplace provides, there are also inherent fire dangers. To combat the risk of fire or inhalation of dangerous carbon monoxide (CO) gas, it is important for you to make
- [BHC Insurance Consultant Earns Chartered Healthcare Consultant Designation](https://www.bhca.com/articles/bhc-insurance-consultant-earns-chartered-healthcare-consultant-designation/) - BHC is proud to announce John Paul Jamison has earned the professional designation of Chartered Healthcare Consultant(r) (ChHC(r)) through American College, Bryn Mawr, PA. The curriculum provides insurance professionals with an in-depth understanding of the latest reforms in healthcare mandated by recent legislation. A Chartered Healthcare Consultant(r) can provide expert advice on a broad range
- [BHC Insurance Celebrates 100th Birthday by Granting Wishes for Local Non-Profits](https://www.bhca.com/articles/bhc-insurance-celebrates-100th-birthday-by-granting-wishes-for-local-non-profits/) - How do you celebrate 100 years in business? BHC Insurance decided to do it by granting wishes for some local non-profits. The agency took to Facebook asking people in the communities they serve to nominate non-profits to receive donations of money or goods as part of their BHC Gives Back Birthday Benefit. A number of deserving
- [Preventing Auto Theft](https://www.bhca.com/articles/preventing-auto-theft/) - Cars are probably the single most popular target of criminals because they are relatively easy to steal. In the time it takes you to brush your teeth, a car is stolen in the United States. While a little over half these vehicles are found (some with significant damage), it's a stressful event that costs everyone
- [Arkansas is ATV Country - Be Safe Out There](https://www.bhca.com/articles/arkansas-is-atv-country-be-safe-out-there/) - All-terrain vehicles (ATVs) can be a great source of fun for adventure seekers. These four-wheeled machines are designed for riding on uneven surfaces on off-road paths, and are useful for carrying loads and supplies. Though they are fun to ride and make carrying loads easier, ATVs are also dangerous. In fact, accidents tend to occur
- [MAKE A WISH! It's the BHC Gives Back Birthday Benefit - Celebrating 100 years](https://www.bhca.com/articles/make-a-wish-its-the-bhc-gives-back-birthday-benefit-celebrating-100-years/) - BHC Insurance first opened its doors in Fort Smith, AR back in 1915. 100 years later we're still going strong. In honor of this milestone and to thank the communities that support us, we want to make wishes come true for some local non-profit agencies. We're inviting you to enter a non-profit agency close to your heart
- [Hackers are the New Pickpockets - Tips to Protect Your Identity](https://www.bhca.com/articles/hackers-are-the-new-pickpockets-tips-to-protect-your-identity/) - Identity thieves will steal your wallet, purse or laptop, pick through your mail, dig through your garbage, hack into your computer or stage email and telephone scams to obtain your personal information. They’ll stop at nothing to obtain as much personal and/or financial information about you as they can get. Then they'll go online and
- [Beyond Books and Tuition - Insuring Your College Student](https://www.bhca.com/articles/beyond-books-and-tuition-insuring-your-college-student/) - Finding the right coverage for a college student can be a challenge. Here’s what you need to know before your child leaves for school.

## Pages

- [Home](https://www.bhca.com/) - BHC is your trusted insurance agency in Fort Smith, Lowell, Sallisaw, and Poteau. Contact us today for a quote on commercial insurance or personal insurance!
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- [Private Client Insurance](https://www.bhca.com/insurance/personal-insurance/private-client-group/) - Receive confidential, customized insurance for your home, auto, and valuables. Contact BHC Insurance today for a private client insurance quote.
- [Consultation Form - Private Client Insurance](https://www.bhca.com/insurance/personal-insurance/private-client-group/consultation-form-private-client-insurance/)
- [Policy Payment](https://www.bhca.com/client-services/epay-policy/) - Online Payment We understand that flexibility matters when it comes to payments. With Applied Pay, you can choose to remit payment from your bank account or via credit card. Look for the payment link in your invoice and explore the flexible options Applied Pay has to offer! Quick and Easy Multiple Payment Options User Friendly
- [Insurance Companies, Claims & Direct Bill Payments](https://www.bhca.com/insurance/companies-claims-bill-pay/) - Arkansas Insurance Agents. Companies we represent with incredible local service and support.
- [Contact BHC Insurance](https://www.bhca.com/contact-us/) - Contact your local BHC Insurance office for any questions. We look forward to serving you and finding you the best insurance policies to fit your needs!
- [Meet the Team](https://www.bhca.com/contact-us/team-directory/) - Meet the Team A Message From Our Executives Let us introduce you to the talented and experienced group of professionals who represent BHC INSURANCE. Our primary goal is to PARTNER with our clients to understand their business and provide value beyond just the purchase of a product. We want to understand what drives and concerns
- [Home NWA](https://www.bhca.com/northwest-arkansas-insurance/) - BHC Insurance is here to Protect, Advocate and Serve your commercial, employee benefits and personal insurance needs. Click or Call 479-452-4000 to see what we can do for you.
- [Commercial Insurance](https://www.bhca.com/insurance/commercial-insurance/) - BHC Insurance offers the best customizable commercial insurance in Fort Smith, Northwest Arkansas, and East Oklahoma. Contact us today for a quote!
- [Secure Online Services](https://www.bhca.com/secure-services/) - We are pleased to provide these Secure Online Insurance Services. Arkansas and Oklahoma. BHC Insurance
- [Fort Smith, AR](https://www.bhca.com/contact-us/fort-smith-ar-insurance/) - BHC Insurance has been a trusted name in Fort Smith for over 100 years. Contact your local Fort Smith insurance agency today.
- [Lowell, AR](https://www.bhca.com/contact-us/lowell-ar/) - BHC Insurance has been a trusted name in NWA for over 100 years. Contact your local NWA insurance agency today.
- [Sallisaw, OK](https://www.bhca.com/contact-us/sallisaw-ok-insurance/) - BHC Insurance has been a trusted name in Sallisaw for over 100 years. Contact your local Sallisaw insurance agency today.
- [Poteau, OK](https://www.bhca.com/contact-us/poteau-ok-insurance/) - BHC Insurance has been a trusted name in Poteau for over 100 years. Contact your local Poteau insurance agency today.
- [Little Rock, AR](https://www.bhca.com/contact-us/little-rock-ar/) - BHC Insurance has been a trusted name in NWA for over 100 years. Contact your local NWA insurance agency today.
- [Privacy Statement](https://www.bhca.com/about/privacy-statement/) - BHC Insurance. Insurance Agents. Why outsource your auto, home or commercial insurance far from home when true value is right here in Arkansas?
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- [Customer Service & Administrative Opportunities](https://www.bhca.com/employment-opportunities/csr-careers/) - Are you ready to join a locally owned & managed, community-minded company with an excellent benefits package and opportunities for advancement and personal growth? We offer that, 37.5 hour work weeks, and more. About Us Being the 3rd largest independent insurance agency in the state and with over 100 years in business, we’ve learned the
- [Producer/Sales Opportunities](https://www.bhca.com/employment-opportunities/sales-careers/) - Insurance Sales Producer (Outside Sales Representative) Insurance Sales Producer (Outside Sales Representative) Job Description BHC Insurance, is a leading regional insurance agency with offices in Fort Smith, AR; Rogers, AR and Sallisaw, OK. We provide a broad array of property and casualty, life and health, employee benefits, and risk management products and services. We are
- [Insurance Careers](https://www.bhca.com/employment-opportunities/) - Learn from the best insurance agents in AR and OK by applying to work for BHC Insurance. We have locations in Lowell, Ft. Smith, Sallisaw, and Poteau.
- [Personal Insurance](https://www.bhca.com/insurance/personal-insurance/) - BHC is Arkansas and East Oklahoma's most trusted personal insurance agency. Contact us today for a custom quote to fit you and your family's needs.
- [United Benefit Advisors](https://www.bhca.com/insurance/commercial-insurance/group-benefits/united-benefit-advisors/) - Cover your employees' needs and reach your company's goals with our group insurance benefits in Fort Smith and surrounding areas.
- [Sitemap](https://www.bhca.com/sitemap/)
- [Client Services](https://www.bhca.com/client-services/) - BHC Insurance - Excellent customer service and support for your insurance needs.
- [BHC On Demand](https://www.bhca.com/client-services/bhc-on-demand/) - Providing You the Service Options You Need Login: On Demand Web Portal BHC Insurance offers an enhanced customer service experience through online service options. BHC On Demand offers you secure access to your insurance information online 24/7 from a computer or mobile device. These services are available to you at no additional cost. This program provides
- [Enhanced Claims Management](https://www.bhca.com/insurance/commercial-insurance/enhanced-claims-management/) - Our insurance consultants can save you time and money by managing your commercial insurance claims for you. Contact us today for more information!
- [Commercial Client Services](https://www.bhca.com/insurance/commercial-insurance/commercial-client-services/) - Our insurance consultants can save you time and money by managing your commercial insurance claims for you. Contact us today for more information!
- [Ignite by BHC](https://www.bhca.com/ignite/) - Our insurance specialists create custom insurance policies to fit your needs, whether you need personal insurance or commercial insurance. Contact BHC today!
- [Group Insurance Benefits](https://www.bhca.com/insurance/commercial-insurance/group-benefits/) - Cover your employees' needs and reach your company's goals with our group insurance benefits in Fort Smith and surrounding areas.
- [Insurance Services](https://www.bhca.com/services/) - Our insurance specialists create custom insurance policies to fit your needs, whether you need personal insurance or commercial insurance. Contact BHC today!
- [About Us](https://www.bhca.com/about/) - Your insurance agent should always be looking for the best policies to protect your assets. See why BHC has been a trusted name in AR and OK for over 100 years.
- [Ignite-Brochure-Text](https://www.bhca.com/ignite-brochure-text/) - A Message From Our Executive TeamLet us introduce you to the talented and experienced group of professionals who represent BHC INSURANCE. Our primary goal is to PARTNER with our clients to understand their business and provide value beyond just the purchase of a product. We want to understand what drives and concerns our clients and
- [Secure Online Insurance Quotes](https://www.bhca.com/online-quotes/) - Receive a secure, online insurance quote from BHC Insurance, located in Fort Smith, NWA, and Oklahoma.
- [Insurance](https://www.bhca.com/insurance/) - Insurance Agents. Friendly local service. Easy Quick Quotes. Many companies to choose from finds you the best price.
- [Long Term Care Insurance](https://www.bhca.com/insurance/personal-insurance/long-term-care/) - If you expect to need long term care in the future, talk to our experienced insurance experts at BHC to go over long term care policy options today!
- [Disability Insurance](https://www.bhca.com/insurance/personal-insurance/disability-insurance/) - Protect yourself from a gap in income by getting a disability insurance policy. Contact your trusted insurance agents at BHC today!
- [Life Insurance](https://www.bhca.com/insurance/personal-insurance/life-insurance/) - Give your family financial security in the event that you pass away. Contact BHC Insurance today for a life insurance quote in Fort Smith and surrounding areas.
- [Personal Health Insurance](https://www.bhca.com/insurance/personal-insurance/health-insurance/) - Find the perfect health insurance plan for you with the help of our full-service insurance agencies in Fort Smith, Lowell, Poteau, and Sallisaw.
- [Personal Liability Insurance](https://www.bhca.com/insurance/personal-insurance/personal-liability-insurance/) - Protect your assets with personal liability insurance from BHC Insurance in Fort Smith and surrounding areas.
- [Home Insurance](https://www.bhca.com/insurance/personal-insurance/home-insurance/) - Homeowners insurance is not a one-sizefits-all. Request a home insurance quote to match you and your family's needs today!
- [Flood Insurance](https://www.bhca.com/insurance/personal-insurance/flood-insurance/) - General home insurance does not cover flooding from natural disasters. Add a flood insurance policy to your home to protect yourself from unwanted expenses.
- [Earthquake Insurance](https://www.bhca.com/insurance/personal-insurance/earthquake/) - Don't worry when the next earthquake hits. Get a quote for earthquake insurance for your home today from BHC Insurance.
- [Auto Insurance](https://www.bhca.com/insurance/personal-insurance/auto-insurance/) - Protect your car and those around you. Get a customized auto insurance quote from BHC Insurance in Fort Smith and surrounding areas.
- [Surety Bonds](https://www.bhca.com/insurance/commercial-insurance/surety-bonds/) - BHC has access to a wide range of bonding companies, so your construction firm can easily find the right bonds and contracts. Contact us today to get started!
- [Commercial Property Insurance](https://www.bhca.com/insurance/commercial-insurance/property-insurance/) - Protect your business with our commercial property insurance in Fort Smith and surrounding areas. Contact us today for a customized property insurance quote.
- [Inland Marine Insurance](https://www.bhca.com/insurance/commercial-insurance/inland-marine/) - If your business moves goods from one location or another, you need inland marine insurance. Contact BHC Insurance today to get a customized quote.
- [Commercial Liability Insurance](https://www.bhca.com/insurance/commercial-insurance/excess-liability/) - Protect your customers and your business with umbrella liability insurance from BHC Insurance in Fort Smith and surrounding areas. Contact us today!
- [Apartment Owners Insurance](https://www.bhca.com/insurance/commercial-insurance/apartment-owners/) - Every rental property owner should have landlords insurance for their properties. Contact BHC Insurance today to get started!
- [High Value Homes Insurance](https://www.bhca.com/insurance/personal-insurance/high-value-homes/) - High Value Home Insurance in Arkansas and Oklahoma. Click or Call BHC Insurance at 479-452-4000 for our wide range of insurance protection with friendly local personal service and support.
- [Contractor Insurance](https://www.bhca.com/insurance/commercial-insurance/contractors/) - From residential to commercial work, BHC can protect your business by offering quality contractors insurance in Fort Smith and surrounding areas.
- [Motorcycle Insurance](https://www.bhca.com/insurance/personal-insurance/motorcycle/) - Motorcycle Insurance in Arkansas and Oklahoma. Click or Call BHC Insurance at 479-452-4000 for our wide range of insurance protection with friendly local personal service and support.
- [Senior Drivers Insurance](https://www.bhca.com/insurance/personal-insurance/senior-drivers/) - Senior Drivers Insurance in Arkansas and Oklahoma. Click or Call BHC Insurance at 479-452-4000 for our wide range of insurance protection with friendly local personal service and support.
- [Workers Compensation](https://www.bhca.com/insurance/commercial-insurance/workers-compensation/) - WE KNOW WORK COMP In light of evolving risks and increasing pressure to save money, what steps are you taking to control your loss? At BHC Insurance, we understand that managing your efforts to cut costs while ensuring that your company is adequately protected is a complicated task. We have a proven track record of
- [Knowledge Center](https://www.bhca.com/insurance/knowledge-center/) - BHC Insurance - Arkansas and Oklahoma Insurance Agents. Get real results and Insurance savings with incredible local service and support.
- [Online Calculators](https://www.bhca.com/client-services/online-calculators/) - Financial Calculators. from BHC Insurance. Insurance Agents. Get real results and Insurance savings with incredible local service and support.
- [Insurance 101](https://www.bhca.com/client-services/insurance-101/) - Learn more about common insurance questions and valuable answers.
- [Insurance FAQ](https://www.bhca.com/client-services/insurance-faq/) - BHC Insurance. Insurance Agents. Get real results and Insurance savings with incredible local service and support.
- [Resources](https://www.bhca.com/resources/) - BHC Resources BHC Insurance serves as a resource for all of your insurance questions. Our job is to educate and empower our clients, making their needs our number one concern. Our primary responsibility is to advocate for and serve our clients. Our clients' satisfaction is the real measure of our success. Our Vision Guides Us
- [Download Forms](https://www.bhca.com/client-services/download-forms-menu/) - BHC Insurance - Arkansas and Oklahoma Insurance Agents. Get real results and Insurance savings with incredible local service and support.
- [Homebuyer Glossary](https://www.bhca.com/client-services/homebuyer-glossary/) - BHC Insurance - Insurance Agents. Get real results and Insurance savings with incredible local service and support.
- [Insurance Glossary](https://www.bhca.com/client-services/insurance-glossary/) - BHC Insurance - Insurance Glossary. Common definitions and terms plus results and Insurance savings with incredible local service and support.
- [Tools & Resources](https://www.bhca.com/client-services/tools-resources/) - BHC Insurance - Auto, Home and Commercial Insurance professional who are dedicated to finding the perfect solution for you.
- [Small Business Toolbox](https://www.bhca.com/client-services/small-business-toolbox/) - Small Business Toolbox. Click or Call BHC Insurance at 479-452-4000 for our wide range of insurance protection with friendly local personal service and support.
- [Life Insurance Tips](https://www.bhca.com/insurance/knowledge-center/life-insurance-tips/) - Life Insurance Tips in Arkansas and Oklahoma. Click or Call BHC Insurance at 479-452-4000 for our wide range of insurance protection with friendly local personal service and support.
- [Commercial Tips](https://www.bhca.com/insurance/knowledge-center/commercial-tips/) - Commercial Insurance Tips in Arkansas and Oklahoma. Click or Call BHC Insurance at 479-452-4000 for our wide range of insurance protection with friendly local personal service and support.
- [Home Insurance Tips](https://www.bhca.com/insurance/knowledge-center/home-insurance-tips/) - Home Insurance Tips in Arkansas and Oklahoma. Click or Call BHC Insurance at 479-452-4000 for our wide range of insurance protection with friendly local personal service and support.
- [Auto Insurance Tips](https://www.bhca.com/insurance/knowledge-center/auto-insurance-tips/) - Auto Insurance Tips in Arkansas and Oklahoma. Click or Call BHC Insurance at 479-452-4000 for our wide range of insurance protection with friendly local personal service and support.
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- [News](https://www.bhca.com/articles/category/posts-news/)
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## Tags

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- [Builders Risk](https://www.bhca.com/articles/tag/builders-risk/)
- [Installation](https://www.bhca.com/articles/tag/installation/)
- [Camera](https://www.bhca.com/articles/tag/camera/)
- [Musical](https://www.bhca.com/articles/tag/musical/)
- [Instrument](https://www.bhca.com/articles/tag/instrument/)
- [Dealers](https://www.bhca.com/articles/tag/dealers/)
- [Contractors](https://www.bhca.com/articles/tag/contractors/)
- [Equipment](https://www.bhca.com/articles/tag/equipment/)
- [Tools](https://www.bhca.com/articles/tag/tools/)
- [Electronic](https://www.bhca.com/articles/tag/electronic/)
- [Data Processing](https://www.bhca.com/articles/tag/data-processing/)
- [Exhibition](https://www.bhca.com/articles/tag/exhibition/)
- [Merchants Property](https://www.bhca.com/articles/tag/merchants-property/)
- [Mobile Communication](https://www.bhca.com/articles/tag/mobile-communication/)
- [phones](https://www.bhca.com/articles/tag/phones/)
- [Motor](https://www.bhca.com/articles/tag/motor/)
- [Cargo](https://www.bhca.com/articles/tag/cargo/)
- [Carriers](https://www.bhca.com/articles/tag/carriers/)
- [Physicians](https://www.bhca.com/articles/tag/physicians/)
- [Surgeons](https://www.bhca.com/articles/tag/surgeons/)
- [Excess](https://www.bhca.com/articles/tag/excess/)
- [Long](https://www.bhca.com/articles/tag/long/)
- [Term](https://www.bhca.com/articles/tag/term/)
- [Long-Term](https://www.bhca.com/articles/tag/long-term/)
- [Care](https://www.bhca.com/articles/tag/care/)
- [Group](https://www.bhca.com/articles/tag/group/)
- [Employee](https://www.bhca.com/articles/tag/employee/)
- [Benefits](https://www.bhca.com/articles/tag/benefits/)
- [Companies](https://www.bhca.com/articles/tag/companies/)
- [Claims](https://www.bhca.com/articles/tag/claims/)
- [Bill](https://www.bhca.com/articles/tag/bill/)
- [Pay](https://www.bhca.com/articles/tag/pay/)
- [Payment](https://www.bhca.com/articles/tag/payment/)
- [Automobile Insurance Quote](https://www.bhca.com/articles/tag/automobile-insurance-quote/)
- [Homeowners](https://www.bhca.com/articles/tag/homeowners/)
- [or Renters Insurance Quote](https://www.bhca.com/articles/tag/or-renters-insurance-quote/)
- [Motorcycle Insurance Quote](https://www.bhca.com/articles/tag/motorcycle-insurance-quote/)
- [Boat Insurance Quote](https://www.bhca.com/articles/tag/boat-insurance-quote/)
- [Life Insurance Quote](https://www.bhca.com/articles/tag/life-insurance-quote/)
- [Business Owner's Policy Quote (BOP)](https://www.bhca.com/articles/tag/business-owners-policy-quote-bop/)
- [Commercial Auto Quote](https://www.bhca.com/articles/tag/commercial-auto-quote/)
- [Commercial Liability Quote](https://www.bhca.com/articles/tag/commercial-liability-quote/)
- [Commercial Workers Comp Quote](https://www.bhca.com/articles/tag/commercial-workers-comp-quote/)
- [Service](https://www.bhca.com/articles/tag/service/)
- [Customer](https://www.bhca.com/articles/tag/customer/)
- [Contact](https://www.bhca.com/articles/tag/contact/)
- [Sales](https://www.bhca.com/articles/tag/sales/)
- [Representative](https://www.bhca.com/articles/tag/representative/)
- [Center](https://www.bhca.com/articles/tag/center/)
- [Online](https://www.bhca.com/articles/tag/online/)
- [Client](https://www.bhca.com/articles/tag/client/)
- [Services](https://www.bhca.com/articles/tag/services/)
- [Small Business](https://www.bhca.com/articles/tag/small-business/)
- [Insurance Tools](https://www.bhca.com/articles/tag/insurance-tools/)
- [Insurance Resources](https://www.bhca.com/articles/tag/insurance-resources/)
- [Insurance Glossary](https://www.bhca.com/articles/tag/insurance-glossary/)
- [Terms](https://www.bhca.com/articles/tag/terms/)
- [Download Forms](https://www.bhca.com/articles/tag/download-forms/)
- [Homebuyer](https://www.bhca.com/articles/tag/homebuyer/)
- [Glossary](https://www.bhca.com/articles/tag/glossary/)
- [Insurance FAQ](https://www.bhca.com/articles/tag/insurance-faq/)
- [Frequently Asked Questions](https://www.bhca.com/articles/tag/frequently-asked-questions/)
- [Davidson](https://www.bhca.com/articles/tag/davidson/)
- [Harley](https://www.bhca.com/articles/tag/harley/)
- [drivers](https://www.bhca.com/articles/tag/drivers/)
- [senior](https://www.bhca.com/articles/tag/senior/)
- [flood](https://www.bhca.com/articles/tag/flood/)
- [flooding](https://www.bhca.com/articles/tag/flooding/)
- [earthquake](https://www.bhca.com/articles/tag/earthquake/)
- [artisan](https://www.bhca.com/articles/tag/artisan/)
- [construction](https://www.bhca.com/articles/tag/construction/)
- [owners](https://www.bhca.com/articles/tag/owners/)
- [rental](https://www.bhca.com/articles/tag/rental/)
- [High Value](https://www.bhca.com/articles/tag/high-value/)
- [college](https://www.bhca.com/articles/tag/college/)
- [student](https://www.bhca.com/articles/tag/student/)
- [parent](https://www.bhca.com/articles/tag/parent/)
- [renter](https://www.bhca.com/articles/tag/renter/)
- [Identity theft](https://www.bhca.com/articles/tag/identity-theft/)
- [Arkansas](https://www.bhca.com/articles/tag/arkansas/)
- [Oklahoma](https://www.bhca.com/articles/tag/oklahoma/)
- [News](https://www.bhca.com/articles/tag/posts-news/)
- [Personal Insurance](https://www.bhca.com/articles/tag/personal-insurance/)
- [classic car](https://www.bhca.com/articles/tag/classic-car/)
- [vintage car](https://www.bhca.com/articles/tag/vintage-car/)
- [antique car](https://www.bhca.com/articles/tag/antique-car/)
- [muscle car](https://www.bhca.com/articles/tag/muscle-car/)
- [teachers](https://www.bhca.com/articles/tag/teachers/)
- [BHC Insurance](https://www.bhca.com/articles/tag/bhc-insurance/)
- [NWA](https://www.bhca.com/articles/tag/nwa/)
- [River Valley](https://www.bhca.com/articles/tag/river-valley/)
- [sewer backup](https://www.bhca.com/articles/tag/sewer-backup/)
- [Cyber liability](https://www.bhca.com/articles/tag/cyber-liability/)