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Insurance

What Is Motor Truck Cargo Insurance and What Does It Cover?

When a load is stolen from a truck stop, damaged in a rollover, or destroyed in a fire, the trucking company is responsible for the value of the cargo. That financial responsibility does not disappear because ... Read More

Business Insurance

Does Your Business Insurance Cover Generative AI Risks?

Most businesses that use generative AI tools assume their existing business insurance would respond if something went wrong. As of January 2026, that assumption is increasingly incorrect. New industry-wide policy endorsements now allow insurers to formally ... Read More

Home Insurance

Does Homeowners Insurance Cover E-Bikes? What Every Rider Should Know

You bought a $4,000 e-bike, locked it in your garage, and assumed your homeowners insurance had you covered. That assumption is wrong for most e-bike owners in the United States, and the reason is buried in ... Read More

Home Insurance

The Biggest Insurance Gaps Wealthy Homeowners Do Not See Until It Is Too Late

Most affluent homeowners believe their insurance is handled. They carry a homeowners policy with reputable limits, an umbrella policy for extra protection, and possibly a scheduled personal property endorsement for jewelry. On paper, everything looks covered. ... Read More

Insurance

What Is Non-Trucking Liability Insurance and Who Needs It?

Non-trucking liability insurance is one of the most commonly misunderstood coverages in the trucking industry, and that misunderstanding regularly leaves owner-operators exposed during the exact moments they assume they are protected. The confusion is not the ... Read More

Business Insurance

How to Protect Your Small Business From a Lawsuit

Small businesses get sued more often than most owners think, and the financial consequences of a single lawsuit can be permanent. A customer slip-and-fall, a contract dispute with a client, an employee complaint, a vendor disagreement, ... Read More

Life Insurance

When Is the Best Age to Buy Life Insurance?

Life insurance is one of the few financial products where the optimal time to buy is almost always sooner than you think. The math is simple. Premiums are based primarily on age and health, and both ... Read More

Home Insurance

How to Prepare Your Home for Hurricane Season

Hurricane season runs from June 1 through November 30. By the time a named storm appears on the forecast, most preparation options are already off the table. Contractors are booked, supplies are gone, and your insurance ... Read More

Insurance

How to Choose the Right Insurance Coverage for Your Family

Most families build their insurance program in pieces. A homeowners policy when they buy a house. An auto policy when they buy a car. A life insurance policy when a baby is born. The pieces are ... Read More

Insurance

Supreme Court Ruling Changes Freight Broker Liability

On May 14, 2026, the Supreme Court of the United States issued a unanimous decision that fundamentally changes the legal landscape for freight brokers across the country. In Montgomery v. Caribe Transport II, LLC, the Court ... Read More

Insurance

How Insurance Premiums Are Calculated

Your insurance premium is not a random number. It is the result of a specific calculation that combines your individual risk profile with the insurer’s financial obligations, regulatory requirements, and overall claims experience. Most policyholders never ... Read More

Life Insurance

How Much Life Insurance Do I Need?

Most people guess. They pick a round number that feels right, sign the policy, and move on. Years later, when the policy actually needs to do its job, families find out that the round number was ... Read More

Home Insurance

What Does Homeowners Insurance Not Cover?

Most homeowners believe their insurance policy covers them for just about anything that goes wrong. That belief gets tested the moment a claim is denied. A standard homeowners policy is not a comprehensive protection plan. It ... Read More

Business Insurance

What Is Liability Insurance for Small Businesses?

A single lawsuit can end a small business. That is not a hypothetical. It happens regularly, and in most cases it happens to businesses that believed they were protected but were not. Liability insurance is the ... Read More

Home Insurance

How Does Flood Insurance Work?

Floods are the most common and most costly natural disaster in the United States, and your homeowners insurance does not cover them. That gap catches homeowners off guard every single year. A storm rolls through, water ... Read More

Business Insurance

Business Insurance Mistakes Small Companies Make

Most small business owners carry some form of insurance. The problem is that carrying a policy and being properly protected are two very different things. According to the 2025 Hiscox Underinsurance in Small Business Report, 77 ... Read More

Insurance

Rates are falling, but coverage is shrinking: The new insurance trap for landlords

Multifamily property insurance premiums are starting to show signs of leveling off — and in many cases, even trending downward—offering a welcome shift after the recent market volatility. However, these rate decreases are largely dependent on ... Read More

Insurance

Replacement Cost vs. Actual Cash Value Explained

When you file an insurance claim, two words determine how much money you receive: the type of coverage you bought. Most homeowners assume their policy will pay enough to replace what they lost. That assumption is ... Read More

Insurance

How to Review Your Insurance Coverage Each Year

You are probably paying for insurance right now that would not fully protect you if something went wrong. Not because your policies are bad, but because your life has changed and your coverage has not kept ... Read More

Insurance

What Happens If You Don’t Have Enough Insurance Coverage

Most people assume their insurance policy will fully protect them when something goes wrong. But in many cases, the issue is not having insurance at all, it’s not having enough of it. When your coverage limits ... Read More

Insurance

How Inflation Is Affecting Insurance Coverage

Inflation is affecting nearly every part of the economy, and insurance is no exception. Many homeowners, business owners, and policyholders have noticed rising premiums, but fewer understand how inflation is also impacting the coverage itself. At ... Read More
Think about these home insurance endorsements.

Insurance

What Is Umbrella Insurance and How Does It Work?

Umbrella insurance is one of the most misunderstood types of coverage, yet it can be one of the most important when it comes to protecting your financial future. At its core, umbrella insurance provides additional liability ... Read More

Home Insurance

Insurance Mistakes Homeowners Commonly Make

Home insurance is designed to protect one of your largest financial investments, but many homeowners make critical mistakes that leave them exposed when they need coverage most. These mistakes often go unnoticed until a claim is ... Read More

Home Insurance

What Does Home Insurance Actually Cover?

Home insurance is designed to protect one of your most valuable assets, your home. Yet many homeowners are not fully sure what their policy actually covers until they need to file a claim. Understanding the basics ... Read More

Insurance

When Is the Best Time to Buy Life Insurance?

Life insurance is one of the most important financial protections you can put in place for your family. Yet many people delay buying coverage because they assume they are too young, too healthy, or that they ... Read More

Insurance

How AI and Automated Claims Processing Are Impacting the Insurance Industry

Artificial intelligence (AI) and automation are reshaping insurance claims processing, with effects that reach both insurers and policyholders. What once meant manual paperwork, long wait times, and human bottlenecks is now evolving into a more efficient, ... Read More

Business Insurance

Business Insurance for Small Companies: What You Need to Know

Running a small business involves risk. From customer injuries to property damage, lawsuits to employee injuries, unexpected events can happen at any time. Business insurance helps protect your company from financial losses that could threaten its ... Read More

Home Insurance

How to Lower Home Insurance Premiums

Home insurance is a key part of protecting your most valuable asset, but premiums have been rising in recent years due to increasing rebuilding costs, severe weather losses, and other market pressures. While some factors that ... Read More

Home Insurance

Home Insurance Climate Risk: What Homeowners Need to Know

Climate risk is reshaping the home insurance market across the United States. Severe weather events and climate-related losses have become more frequent and more costly, prompting insurers to adjust pricing, coverage availability, and underwriting practices. Homeowners ... Read More

Auto Insurance

How to Insure Collector Cars

Collector cars are more than vehicles. They represent personal passion, automotive history, and often significant financial investment. Knowing how to insure collector cars ensures your prized vehicle is protected in the event of theft, damage, or ... Read More

Home Insurance

What Is Homeowners Warranty Insurance and How It Works

Homeownership comes with ongoing expenses, from unexpected system breakdowns to routine appliance failure. Many homeowners consider homeowners warranty insurance to help manage the cost of repairs and replacements when household components fail due to normal use. ... Read More

Business Insurance

Key Risks Distilleries and Breweries Need to Know

Craft beverage producers are passionate about their product, but running a distillery, brewery, or winery means managing complex operations that go well beyond fermentation and flavor. As these businesses grow, they take on operational vulnerabilities that ... Read More

Insurance

Does Dental Insurance Cover Dentures

Dentures are a common solution for replacing missing teeth when bridges or implants are not suitable. Many people considering dentures wonder if their dental insurance will help pay for them. Dental insurance dentures coverage varies widely ... Read More

Business Insurance

Insurance for a Body Shop: What You Need to Know

Running an auto body shop means handling expensive equipment, customer vehicles, employees and everyday risks that could lead to financial loss or liability claims. Having the right insurance for a body shop is essential to protect ... Read More

Home Insurance

How to Insure Multimillion‑Dollar Homes

Owning a multimillion‑dollar home is more than a lifestyle choice. It is a significant financial investment that requires thoughtful protection. Standard homeowners insurance often falls short of covering the unique risks and high replacement costs associated ... Read More
You don't need to have a physical garage to benefit from garage liability insurance.

Auto Insurance

How Much It Costs to Tow a Car in 2025

Towing a car can be expensive and the cost depends on several factors such as where you are, how far the car needs to go, the type of vehicle, and whether additional services are needed. Knowing ... Read More

Insurance

Life Insurance for Your Home Loan: What You Should Know

Buying a home often means taking on one of the largest debts you will ever carry, your mortgage. You might also wonder how your family would manage that burden if something unexpected happened. That is where ... Read More
Transportation safety for daycare

Business Insurance

Transportation safety tips for daycare and childcare providers

Every time children board your vehicle you take on both ethical and legal responsibility. Transporting children involves unique risks like vehicle accidents, unsafe loading and unloading, and regulatory compliance. Handling this right protects children, families and ... Read More
Get the right parking lot insurance to protect your business from risk.

Business Insurance

What insurance do I need for a parking lot?

Operating a parking lot or garage means managing unique risks such as vehicle collisions, customer injuries and theft. Even a single incident, like a slip on poorly maintained pavement, can threaten the viability of your business. ... Read More

Home Insurance

How to Lower Your Home Insurance Costs

Home insurance is a critical safeguard for your home and belongings, but it doesn’t mean you should overpay for it. Whether you’re a first‑time homeowner or you’ve been in the same house for years, finding ways ... Read More

Auto Insurance

What Is an Auto Insurance Deductible?

If you’ve ever filed a car insurance claim, you’ve likely encountered the term “deductible.” But what does it actually mean, and how does it affect what you pay out of pocket? Understanding your auto insurance deductible ... Read More
restaurant safety training

Business Insurance

20 famous quotes to improve your restaurant’s customer service

Why Service Matters More Than Ever in Today’s Restaurant Industry According to recent food‑service industry data, a remarkable 86% of diners are willing to pay more for an exceptional customer service experience in restaurants. Customers who ... Read More

Insurance

InsuranceHub Promotes Reid Burney to Managing Director of Commercial Sales

InsuranceHub is proud to announce the promotion of Reid Burney to Managing Director of Commercial Sales, recognizing his strong leadership in the transportation division and his continued commitment to client service and growth. Burney began his ... Read More
computer fire

Home Insurance

How to Prevent Your Desktop or Laptop Fire From Burning Down Your House

Most people don’t think twice about leaving their laptops on the couch, bed, or plugged in overnight. But even small devices like laptops can become serious fire hazards when misused or ignored. With millions of households ... Read More

Insurance

Is It Illegal to Use Insurance Money for Another Purpose?

When your insurance company pays a claim, you may wonder whether you must spend the funds exactly as they were intended. Can you use that money for something else? The short answer is: sometimes, but often ... Read More

Current Events

FMCSA Eliminates MC Numbers in 2025: What Trucking Companies Must Know

A major administrative shift is coming to the trucking industry. Starting October 1, 2025, the Federal Motor Carrier Safety Administration (FMCSA) will phase out Motor Carrier (MC) numbers, consolidating all federal motor carrier, broker, and freight ... Read More

Transportation

How to Start a Non-CDL Hot Shot Business: A Comprehensive Guide

Hot shot trucking is a popular option for drivers who want to run a smaller, more flexible operation without the need for a commercial driver’s license (CDL). A non-CDL hot shot business can be a lucrative ... Read More

Insurance

InsuranceHub Leavitt Promotes Chrissy Keheley to Associate Vice President

InsuranceHub Leavitt is proud to announce the promotion of Chrissy Keheley to Associate Vice President, recognizing her leadership, global business experience, and commitment to community impact. Keheley has been an integral part of InsuranceHub Leavitt, where ... Read More
Home insurance foundation

Home Insurance

Does Homeowners Insurance Cover Foundation Damage? What You Need to Know

Foundation issues are every homeowner’s worst nightmare. If the very base of your dream home crumbles, the whole thing can come crashing down around you. However, because of its supportive nature and difficult repair location, fixing ... Read More

Insurance

InsuranceHub Leavitt Moves Into a New Chapter Following Jim Lloyd’s Retirement

InsuranceHub Leavitt is entering an exciting new chapter with agency co-owners Kristina Insley, President, and Chris Vickers, Executive Vice President, as they continue to build on the legacy of longtime owner Jim Lloyd, who retired earlier ... Read More

CoverYou is now part of InsuranceHub!

Apr 24, 2017

We’ve got some really exciting news! CoverYou Insurance is now part of the InsuranceHub family, and we’re thrilled to welcome all of our new additions to the office!  We’re happy to welcome Ed, Melanie, Jon, Frannie, … Read More

8 safety tips that will help you avoid commercial lawn mower danger

Apr 21, 2017

Working in the landscaping and lawn care world, chances are you work with some pretty hefty lawn mowers. You might have riding lawn mowers, or you might have some other kind of commercial-grade mower that gets … Read More

How to avoid wrongful termination lawsuits

Apr 20, 2017

Sometimes you have to fire people. It happens within every company. It might be because the employee consistently causes problems, or it might be for financial reasons. Either way, it’s not a comfortable situation to be … Read More

Tips for staying safe when traveling abroad

Apr 18, 2017

With summer just around the corner, you might be planning a grand overseas adventure. Traveling and seeing new places can be a very impactful experience, and having the opportunity to absorb a culture that’s not your … Read More

How to handle a data breach in your company

Apr 13, 2017

Your clients entrust your business with their personal information on a regular basis. You swipe credit cards, make sales, take phone numbers or addresses, and might need even more sensitive information at times. We’d like to … Read More

How you can take a home inventory using GoogleDrive

Apr 11, 2017

Recently we talked about why home inventories are vital when it comes to home insurance. Creating a home inventory helps you ensure that you have enough coverage for your home, and it makes filing a claim for … Read More

Does my restaurant need spoilage coverage?

Apr 6, 2017

Anyone who’s been out to eat on a Friday night knows that there’s a lot to think about in terms of keeping a restaurant afloat. There’s the quality of the food, the service, the kitchens, the … Read More

Eight boating safety tips you need to know

Apr 5, 2017

Boating is a favorite spring and summer activity for lots of people. When the weather turns warm, the water beckons. While it’s important to make sure that your boat has the proper insurance, it’s also important … Read More

Why your workers’ comp claim needs to be reported quickly (and how to make that happen)

Mar 30, 2017

No employer wants to see an employee get hurt. An injury is a traumatic experience not only for the victim but also for the supervisor and fellow employees. A workplace injury might leave everyone in shock, but … Read More

Eight things you need to know about boat insurance

Mar 28, 2017

It’s now officially spring, and spring means warmer weather. Warmer weather means finally taking the boat out of storage and going to the lake, right? As the temperature creeps upwards, it becomes more and more inviting … Read More

10 useful landscaping equipment safety skills you need to know

Mar 23, 2017

You use a lot of different tools and equipment for landscaping work. But these tools can be dangerous if they’re not used properly. It’s extremely important to make sure to take every safety precaution to avoid … Read More

Sip & Swine BBQ Festival 2017: Success!

Mar 21, 2017

The second annual Sip & Swine BBQ Festival took place at Coolray Field over the first weekend of March, and we were so excited to be the title sponsor of the event! Sip & Swine is … Read More

Ten tips to stay safe while working with a dump truck

Mar 15, 2017

Dump trucks come in a variety of styles and sizes, but one thing that should remain the same across the board is safety. Dump trucks are dangerous at the best of times. Whether you’re the driver … Read More

What are the main risks for my tow truck business?

Mar 13, 2017

There are lots of potential risks that people who work with tow trucks face every day. Risks, or exposures, are why people get tow truck insurance in the first place—so that they’re protected from whatever life … Read More

The ultimate guide to getting the best (and cheapest) home insurance

Mar 7, 2017

Have you ever been completely baffled when it comes to home insurance? Does it make your brain hurt a little? Do you kind of cringe inside when you think about it? Don’t worry. You’re not alone. … Read More

How to lower workers’ comp premiums

Mar 2, 2017

When an employee gets hurt on the job, the top priority is making sure that they’re okay and that they get the care that they need. So it’s important for employers to have sufficient workers’ compensation … Read More

Why is a home inventory important for your home insurance?

Feb 28, 2017

Okay, we get it. Taking a home inventory is hardly an exciting way to spend a weekend. Walking around, writing things down on a clipboard…yeah, maybe not the most fun thing to do on a Saturday. … Read More

What to do if someone breaks into your car

Feb 23, 2017

You decide to stop at the grocery store for some milk and eggs on your way home from work. You’re gone for maybe ten minutes, but by the time you wander out of the store and … Read More

What affects my tow truck insurance premium?

Feb 21, 2017

No two businesses are the same. This is especially true when it comes to tow trucks. Your business, whether it’s a tow-truck company or an auto shop, has its own fingerprint, and this fingerprint plays a … Read More

How can you prevent a car break-in?

Feb 16, 2017

Ah, what would we do without our cars? They’re faithful. Reliable (usually). An extension of ourselves. We spend hours upon hours in our cars—stuck in traffic, commuting to work, going grocery shopping, running errands, meeting friends. … Read More

What Kind of Insurance Do I Need for a Tow Truck?

Feb 15, 2017

Cars break down—it’s a known fact and one of the fundamental truths of Murphy’s law (anything that can go wrong, will go wrong). When things go wrong with a car, who ya gonna call? A tow … Read More

InsuranceHub among the ‘Best of Gwinnett’

Feb 9, 2017

We at InsuranceHub are honored to have been awarded the Best of Gwinnett Award from Gwinnett Magazine in three categories: Best Insurance Firm, Best Auto Insurance, and Best Homeowners Insurance. We’re absolutely delighted that we’re considered … Read More

How can Bright from the Start reviews affect your daycare coverage?

Jan 19, 2017

We don’t need to tell you how large a responsibility rests on your shoulders when it comes to taking care of other people’s children. Parents trust you with their kids, so it’s absolutely vital that your … Read More

Playground safety tips for daycares

Jan 12, 2017

Kids run on unbelievable stores of energy. They love to run and play outside, thus the invention of the playground. Playgrounds are supposed to be a fun way for kids to get exercise, but they also … Read More

Preventing Frozen Pipes

Jan 6, 2017

The need to prevent the pipes in your home from freezing has more to do with the aftermath than the actual freezing of the water in the pipes. We’ve compiled some great tips below to help … Read More

InsuranceHub: Battle of the Holiday Dishes

Dec 19, 2016

If there are any 2 things we love here at InsuranceHub more than helping our clients, it’s the holiday season and potlucks! This year, we combined those 2 passions and had ourselves a little contest. In … Read More

Are termites covered in my homeowners policy?

Dec 17, 2016

If you found this article, then chances are you’re looking to know whether or not termite damage is covered by your homeowner’s policy. Did you know that a silent destructive force could be slowly taking your … Read More

Learn these lessons from Louisiana homeowners without flood insurance

Dec 14, 2016

Sample Scenario: The home you bought because of the location and because it wasn’t in a high-risk flood zone, is suddenly deluged with 5+ feet of water. What would you do? That is exactly what happened to homeowners and … Read More

2016 North Texas Storms Raise Homeowners Rates

Dec 8, 2016

Hold onto your hats – Your home insurance rates will likely be going up after a year of destructive North Texas storms. Before you think you are safe because you haven’t made a claim in the … Read More

What does my credit score have to do with my home insurance?

Dec 1, 2016

You might be wondering what your credit score has to do with your home insurance premiums. You call for a home insurance quote and your agent tells you they need your social security number to pull … Read More

Fire pits and home insurance

Nov 29, 2016

Are fire pits covered by my homeowner’s insurance policy? There is something nostalgic about sitting around a fire with friends and family toasting marshmallows and eating s’mores! In fact, some of your fondest memories may come … Read More

Will home insurance cover my solar panels?

Nov 22, 2016

Here’s a sample scenario: Imagine you just invested $30,000 in a solar panel system for your home. After all, who doesn’t like benefits like these: Saving money on their electricity bill Selling electricity back to the … Read More

Sexual harassment in the restaurant workplace

Nov 17, 2016

Before we begin, just take a guess at how many female restaurant employees claim sexual harassment by their own management… “Unfortunately, it’s just become the societal norm, and we have all accepted it and we all … Read More

Save on Energy Costs This Winter

Nov 10, 2016

Winter officially begins in just over a month, but winter weather is already here! With temperates in the 40s the last few days, you’ve probably already started turning on the heater, pulling out the blankets and dreading … Read More

Host Liquor Liability Checklist

Nov 8, 2016

Ignore this 8-point Host Liquor Liability Checklist at your own risk: If you use liquor to entertain clients, then read closely. The law states that the consequences of an accident connected with the serving alcoholic beverages may … Read More

What lessons can you learn from Denny’s restaurant?

Nov 3, 2016

Denny’s has been in the news many times over the years. This time, it’s for racial discrimination and the following lawsuit. What practical lessons can your restaurant learn from this? In this lawsuit, an Illinois African … Read More

Tips to prevent restaurant break-ins and robberies

Nov 1, 2016

Will you learn from these restaurant robbery lessons? We did a quick search on the internet for restaurants that were robbed and broken into. When we Googled this, here is what we found: NASHVILLE — East Nashville restaurant … Read More

Sinkholes, wildfires and earthquakes: Will your home be protected?

Oct 27, 2016

Welcome to part three of the series: “Will your home be protected from these Natural Disasters?” In part 1 we addressed hurricanes and in part 2 we discussed tornadoes and hailstorms. Today, in part 3 we … Read More

Is your LuLaRoe inventory insured?

Oct 25, 2016

Chances are, if you’re reading this article, then you likely have racks and racks of clothes sitting within viewing distance. You’ve got your shipping down, you have been having pop-ups, you’ve got a Facebook group going … Read More

Tornadoes and hailstorms: Will your home be protected?

Oct 20, 2016

Part 2: Tornadoes and hailstorms In our last article, we addressed the question “Will my home be protected from hurricanes? In that article, we discussed hurricanes and the lessons that will prevent us from suffering an … Read More