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Business Insurance

Excess Liability and Umbrella Coverage: What Every Household and Business Should Know

Excess liability and umbrella coverage sound like the same thing, and they often get used interchangeably. They are related, but they are not identical. The differences matter when a lawsuit reaches into the higher layers of ... Read More

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

Will Your Car Insurance Cover You If You Hit a Deer?

Jan 10, 2025

It’s a scenario no driver wants to face—a deer suddenly darts into the road, leaving you with little time to react. You don’t want to hit it, but swerving could lead to even worse consequences. If … Read More

Are There Special Requirements for Garbage Truck Insurance?

Jan 3, 2025

Operating a garbage truck comes with its fair share of challenges, from maintaining compliance with regulations to ensuring your fleet is properly insured. If you’re navigating the world of garbage truck insurance, you’re likely feeling the … Read More

The Comprehensive Checklist for Starting Your Own Non-CDL Box Truck Business

Dec 12, 2024

Starting a non CDL box truck business is exciting but can feel like navigating a maze. There are many steps to take and tasks to complete—from permits and financing to insurance and operations. If you’re feeling … Read More

Steps to File a Motor Truck Cargo Insurance Claim

Dec 6, 2024

When you’ve worked hard to secure a reliable trucking operation, discovering that your cargo is damaged or lost can feel like a punch to the gut. The stress of trying to recoup your losses through your … Read More

Do I Have to Use Insurance Money for Repairs?

Nov 22, 2024

You’ve filed a claim, gone through the assessment process, and finally, your insurance company has issued a check for the damages. But now you might be wondering—do you really have to use that money for its … Read More

What Are the FMCSA Requirements for Hauling Cargo?

Nov 14, 2024

Managing cargo hauling involves more than just getting freight from point A to B. For many trucking companies, the weight of FMCSA compliance requirements can feel overwhelming. It’s a balancing act, and one misstep could mean … Read More

Steps to Train Your Drivers for Hazmat Transport and Insurance Savings

Nov 7, 2024

If you’re responsible for transporting hazardous materials, you know the weight of that responsibility—both in safety and compliance. The regulations, the constant oversight, and the fear of something going wrong can feel like a lot. And … Read More

Box Truck Insurance: What You Need to Know to Protect Your Business

Oct 24, 2024

Box trucks are a vital asset for many businesses, playing an essential role in the supply chain. Whether delivering furniture, moving goods for a courier service, or transporting construction materials, box trucks are used daily to … Read More

The Difference Between Intrastate vs. Interstate Trucking

Oct 17, 2024

If you own a trucking business, your vehicles travel a lot of ground. Some trips stay within one state’s borders, while others cross state lines or even international borders. In the trucking world, two terms often … Read More

The Hidden Risks Without Non-Trucking Liability Insurance

Oct 10, 2024

Running a trucking business isn’t easy, and every decision made impacts not only your fleet but your financial stability too. If you’re a trucking business owner or a driver, you’ve probably taken all the necessary steps … Read More

How Much Does a Semi Truck Cost? Factors That Affect the Cost

Sep 20, 2024

Semi trucks, also known as tractor-trailers or big rigs, are the backbone of the transportation industry. They play a crucial role in moving goods across long distances, keeping supply chains running smoothly. If you’re considering investing … Read More

Why Truckers Need an Occupational Accident Insurance Policy

Sep 12, 2024

Long hours, unpredictable weather, heavy loads, and endless miles—being a trucker comes with unique challenges that most jobs don’t have. You’re not just worried about traffic or deadlines; there’s a constant thought in the back of … Read More

The Role of Errors and Omissions Insurance in Georgia Trucking

Sep 5, 2024

Running a trucking business in Georgia comes with a unique set of challenges. From navigating the ever-changing road conditions to ensuring the safety of cargo, there’s already a lot on your plate. And then, there’s the … Read More

GEICO Trucking Insurance: A New Option for Truckers with InsuranceHub

Aug 29, 2024

We’re thrilled to announce that InsuranceHub is one of the select agencies now offering GEICO trucking insurance, an exciting new option for owner-operators and small motor carriers. With GEICO joining our lineup, there’s a fresh opportunity … Read More

Tips for Maximizing Your Fuel Tanker Insurance Coverage

Aug 15, 2024

Running a trucking business with fuel tankers comes with its own set of challenges. You’re not just managing a fleet—you’re carrying highly flammable and valuable cargo, navigating strict regulations, and ensuring the safety of your drivers. … Read More

Strategies for Reducing Your Hotshot Trucking Insurance Rates

Aug 8, 2024

Running a hotshot trucking business is tough enough without the constant worry of high insurance costs. As a hotshot trucker, you’re likely juggling tight deadlines, long hours on the road, and the stress of managing expenses. … Read More

How to Start Your Own Tow Truck Business

Jul 19, 2024

You’ve made up your mind – you want to start a tow truck business. Congratulations! There’s definitely freedom in being your own boss, and knowing that you built something is very satisfying. Now, towing is not … Read More

Affordable Life Insurance for Truck Drivers

Jul 12, 2024

Being a truck driver is tough. Long hours on the road, dealing with bad weather, and the constant stress of meeting deadlines. You face risks every day that most people never think about. But beyond those … Read More

Smart Moves to Lower Your Log Truck Insurance Costs

Jun 28, 2024

If you’re running a log truck business, high insurance costs are likely a major concern. Balancing the need for good coverage with the goal of keeping expenses manageable can seem like an endless battle. Many log … Read More

Smart Strategies to Lower Your Non CDL Hotshot Insurance Cost

Jun 20, 2024

Running a non-CDL hotshot business is challenging enough without the burden of high insurance costs. We get it—balancing the need for comprehensive coverage with the desire to save money can feel like walking a tightrope. Many … Read More

Mastering Non-CDL Box Truck Insurance Shopping

Jun 14, 2024

Running a non-CDL box truck business comes with its fair share of challenges, especially when it comes to finding the best insurance coverage at the lowest rates. You’re not alone in feeling overwhelmed by the options … Read More

What’s a Dry Van Used For?

Jun 7, 2024

A dry van, also known as a semi truck, is one of the most common modes for transporting freight across the country. These trucks have a large enclosed trailer meant to carry dry, non-perishable goods. Trucking … Read More

Top Reasons to Get Physical Damage Insurance for Your Truck

May 24, 2024

Owning and operating a truck is no small feat. The stress of maintaining its condition, the constant worry about potential damage, and the financial burden of repairs can weigh heavily on your mind. You’re not alone … Read More

Avoid Common Pitfalls with Your DOT Number

May 17, 2024

With trucking insurance, your DOT Number can make or break you. Several factors influence your insurance rates, but your DOT score plays a significant role. Issues in SAFER listings and out-of-service (OOS) orders can cause trouble … Read More

What Insurance Do I Need for My Dump Trucks?

May 10, 2024

If you have a dump truck business, you might wonder how you can protect your vehicles with the right insurance. Unfortunately, driving is not without its risks, and since your dump trucks are an extremely important … Read More

What Is a Reefer Truck and How It Transforms Seasonal Shipping

May 3, 2024

In the bustling world of transportation, the challenge of shipping perishable goods like produce, pharmaceuticals, and other temperature-sensitive products can be daunting. Every day, countless companies face the risk of spoiled goods and lost profits due … Read More

How to Choose the Best Truck for Hot Shot Trucking: A Buyer’s Guide

Apr 26, 2024

Diving into the world of hot shot trucking can feel like navigating through a maze without a map. Whether you’re an experienced driver or just starting out, finding the best truck for your needs often seems … Read More

InsuranceHub Expands its Network with New Affiliates DM Insurance and The Nolan Group Insurance Solutions

Apr 23, 2024

Lawrenceville, Georgia (April 23, 2024) – Two Georgia-based agencies, DM Insurance and The Nolan Group Insurance Solutions, have joined InsuranceHub, an affiliate of Leavitt Group. The merger of these two local agencies bolsters InsuranceHub’s presence as … Read More

How Much Does It Cost to Lease a Box Truck for Your Business?

Apr 18, 2024

It’s common for business owners to lie awake at night, thoughts racing about the next big step for their business. Expanding services, increasing efficiency, and, inevitably, the logistics of transportation often dominate these late-night brainstorming sessions. … Read More

How to Leverage Car Hauling Load Boards for Maximum Gain

Apr 12, 2024

Every car hauler knows the road isn’t just paved with asphalt—it’s paved with challenges. From fluctuating market rates to finding the most profitable routes, the industry demands both hard work and smart strategies. You’re not alone … Read More

How Much Does It Cost to Tow a Semi? Factors and Figures

Apr 5, 2024

It’s late, you’re miles from the next rest stop, and your semi truck just won’t go any further. Now you’re faced with a breakdown and the big question looms: what’s the cost to tow a semi? … Read More

How Much is Insurance for a Dump Truck in 2024?

Mar 29, 2024

Navigating the complexities of dump truck insurance can be a daunting task, especially in the ever-evolving landscape of 2024. If you’ve found yourself overwhelmed by fluctuating dump truck insurance costs and tangled in the web of … Read More

The Best Cargo Insurance Companies for High-Value Shipments

Mar 22, 2024

In the bustling world of logistics and freight forwarding, transporting high-value shipments such as luxury goods, fine art, and valuable cargo is a nerve-wracking endeavor. Every mile your cargo travels is a mile where countless risks … Read More

Roofing Contractor Insurance: A Guide to Soaring Vehicle Rates

Mar 15, 2024

As a roofing contractor, the recent spike in commercial vehicle insurance rates hasn’t gone unnoticed by you or your business. It’s a reality that’s putting pressure on your operational costs and, by extension, the overall sustainability … Read More

What Affects Your Semi Truck Physical Damage Insurance Rates

Mar 8, 2024

In the vast expanse of the trucking industry, securing the right insurance coverage isn’t just a necessity—it’s the lifeline that keeps your business on the move. But we understand that finding the perfect semi truck physical … Read More

5 Must-Have Insurance Coverages for Your Cargo Van Business

Feb 23, 2024

Running a cargo van business is no small task. It requires not only a deep understanding of logistics and customer service but also a keen awareness of the risks involved. The road can be unpredictable, and … Read More

What Is a New Entrant? A Beginner’s Roadmap to Success

Feb 16, 2024

Welcome to the bustling world of trucking – a realm that promises the freedom of the open road and the satisfaction of being your own boss. Yet, this journey is not without its challenges, especially when … Read More

Finding the Right New Venture Truck Insurance for Your Fleet

Feb 9, 2024

Starting a new trucking business is like setting out on a cross-country journey. You’re bound for opportunity, but it’s not without its hurdles. One that often looms large is ensuring that your fleet is protected – … Read More

What Does Hot Shot Insurance Cost?

Feb 5, 2024

Typically, the annual cost for hot shot insurance ranges between $7,000 and $12,000. The average cost per year is $10,284 for the businesses that are new and have one truck and trailer. Note that multiple factors … Read More

Maximizing Protection with School Bus Insurance: Strategies for Schools

Feb 1, 2024

Navigating the complexities of school bus insurance can feel like a juggling act. As an operator or administrator, you’re constantly balancing the need for comprehensive coverage with the realities of a tight budget. You’re not alone. … Read More