11 Oct
2018

What kind of insurance do I need for a restaurant?

by Dee Barnett | in Business Insurance, Insurance

So, your friends and family have been raving about your cooking since you were old enough to hold a spatula. Or maybe you’ve just graduated from cooking school with years of restaurant experience under your belt. Or you could be following a lifelong dream after years of planning, saving, and a worrying about all the small details. Now you have your own place to share your food with the world! (Or at least your community.)

However, there’s one very important detail to keep in mind before you open your doors: restaurant insurance.

05 Oct
2018

What Makes InsuranceHub Different?

by Dee Barnett | in Current Events, Insurance

We at InsuranceHub pride ourselves on being the experts in insurance, but what makes us stand out from the rest of all the other “experts?”

The answer: accessibility. We know that insurance shopping can be entirely overwhelming, especially with all of the industry terms for each type of insurance. We know that the key to helping people save money on insurance while giving them the proper coverage is to help them understand insurance coverages piece by piece.

03 Oct
2018

What insurance do I need for a retail store?

by Dee Barnett | in Business Insurance, Insurance

Your creative prowess has finally bloomed into a full-blown business venture with a store location to match! While this is definitely an exciting new chapter in your life, there are many other responsibilities associated with your retail location besides a standard business license…like retail store insurance.

Your hard work, merchandise, employees, and every new customer must be protected by the proper retail insurance policies. However, with all the commercial insurance coverages available, it can be overwhelming to determine what type of coverage is best for your unique business. We’re here to help you crack the code on retail store insurance – what it covers, what it doesn’t, and how much you might need to support your business.

05 Jun
2018

4 reasons to consider lessors risk insurance

by Dee Barnett | in Business Insurance, Insurance

When talking about lessors risk insurance, most people don’t know what a lessor is to start with. This is because when talking about lessors, people generally refer to them as landlords. While landlords may be lessors, all lessors are not the technical definition of a landlord. (Think of a square/rectangle situation.) Recently, there’s been a rise in the amount of people interested in becoming lessors, whether it’s for student housing, apartment complexes, shopping centers, or any other type of multi-unit building.

While some entities know what they’re getting into with their investment, many others only have a vague idea of the risks they face. What’s more alarming is that many of these lessors never consider or buy insurance for their building. Although it’s not legally required to have lessors risk insurance (also called LRO insurance), not having coverage can leave you to deal with some serious losses if anything does happen to your building. If you want to become a lessor, here are 4 reasons to consider insurance coverage for your multi-unit rentals.

29 May
2018

What makes a high-risk apartment complex “high-risk”?

by Dee Barnett | in Business Insurance, Insurance

If you’ve invested in or operate an apartment complex and you’ve been turned down for insurance, your apartment buildings may be considered “high-risk.” High-risk apartment complexes can be a little trickier to insure than “normal” ones. Many people don’t even know that their apartment investment is high-risk until they search for coverage. Plus, getting an answer from insurance companies as to why your apartment complex is high-risk can be like pulling teeth. Here’s some insight on why major insurance carriers may consider your apartment complex “high-risk.”

04 May
2018

3 reasons why multi-unit insurance is better than a premises liability sign

by Dee Barnett | in Business Insurance

It can be tempting to pass on commercial multi-unit insurance and simply put up a premises liability sign when hundreds of guests visit your property every day. However, physical warning signs are not always the best option to protect you and your business from a liability claim. Here are 3 reasons why it’s better to have insurance for your multi-unit building instead of or in addition to leaving your guests’ safety to a sign.