Business Insurance

Your business is unique and you face your own specific risks and dangers, but we can help make sure you’re protected. Every business needs a business insurance policy that’s customized specifically for its needs. At InsuranceHub, we believe in creating a policy that’s built with your business in mind. We know that insurance can get complicated. So, one of our goals is to make the process as easy as possible.

We want to be more than just an insurance company to you. Whether you need a business owner’s policy, general liability, or property insurance, InsuranceHub is here to help. Each of these types of coverages does something different, but we’ll help you figure out which ones are right for you. You’ve worked really hard to build your business, so let us help you protect it.

Key Differences between Straight Trucks and Semi Trucks

August 4, 2022July 28, 2022

Are you looking to start your own hauling business or fleet? If so, you may be wondering which truck type is perfect for you. Every truck has its advantages and disadvantages, and it’s up to you to decide which type makes the most sense for your business. In fact, the most popular configurations tend to be straight trucks and semi trucks.

You may be wondering, how do they differ? Well, in this article, we’ll analyze both trucks’ cargo capacity, maintenance costs, profit margins, and repair costs. Let’s get started.

Reducing Workers Compensation Costs at Your Trucking Business

July 22, 2022

Is your transportation business burdened by rising workers compensation costs? If so, you’re not alone. Others in the industry have attempted to reduce insurance costs and spending by controlling internal activities, but we have a different approach. Our five-step plan helps you establish a safety program that is both compliant with OSHA standards and designed to stimulate continuous improvement, helping you spend fewer workers comp dollars through a holistic approach that protects your bottom line.

So, without further ado, here are

4 Major Factors That Influence Commercial Auto Insurance Rates

July 14, 2022July 14, 2022

Commercial auto insurance has a wide range of exposures, and several industry changes, as well as the severity and frequency of claims, have had a major impact on insurance carriers. In fact, many are struggling to maintain profitability in the commercial auto insurance market. As a direct result, they’re passing this burden onto their policyholders.

Even when hiring safe drivers and having a clean loss record, it’s not unusual for businesses to see year-over-year rate increases. Nevertheless, claims history is only one component, and several high-level trends impact commercial auto insurance rates.

What to Know About Operation Safe Driver Week

July 8, 2022July 8, 2022

Operation Safe Driver Week is almost here, and it’s coming in “fast”. See the emphasis on “fast”? The focus of this year’s Operation Safe Driver Week is speeding and risky driving behaviors. While the theme for this year’s event is the same as last years, you must realize it’s a recurring problem.

This campaign serves as a safe-driving outreach initiative and awareness program aimed at improving the driving behavior of commercial motor vehicles. This year’s event takes place from July 10th through the 16th. Mark your calendars!

Ways to Stop Distracted Driving

June 30, 2022

Distracted driving has always been a safety concern in some form or another. However, the widespread increase in cellphone use over the past decade has put an increased focus on the hazard of distracted drivers. It is universally recognized that using hand-held mobile devices while driving greatly increases the risk of an accident. In fact, studies have shown that texting while driving is as dangerous as drunk driving.

When you are distracted behind the wheel, you not only put yourself in danger but also endanger the lives of those sharing the road with you. As a commercial driver’s license (CDL) holder, you have certain responsibilities that regular license holders do not have. While any distraction behind the wheel is a potential hazard, some distractions are illegal.

How to Attract and Retain Commercial Drivers

June 22, 2022

Commercial fleets need to maintain a workforce of loyal, qualified drivers to succeed. But recently, increased demand for freight volume has highlighted an ongoing driver shortage that’s left many motor carriers operating under capacity. To attract and retain talented drivers to your business, you need to evaluate how the shortage may be affecting you and the steps you can take to make your workplace appealing.

Occupational Accident Coverage Can Protect Your Trucking Company

June 15, 2022

Trucking is a dangerous industry, with a high occurrence of injury and death due to the long hours and inclement conditions truck drivers must endure. You know that it is important to protect your employee drivers with workers’ compensation, but are you offering equivalent protection to your independently contracted drivers?

Protect your independent contractors, their families, and your trucking business by offering them occupational accident insurance coverage.

Tips for New Truck Drivers

June 8, 2022

Truck drivers play a crucial role in our supply chain. So, if you’re looking to get started in the trucking industry then you’re in the right place. It’s not an easy task and a lot of training and education is required. If you’re feeling overwhelmed then we are here to help.

In this article, we’ll share some of our top tips for new truck drivers. Let’s get started.

A Guide to Hot Shot Trucking

August 10, 2022June 2, 2022

Shippers and brokers have loads that need to be transported from one location to another. Therefore, they depend on hot shot trucking companies to get the job done.

These professionals are trained to haul critical and time-sensitive materials to their designated drop-off location.

These drivers frequently haul the following items:

Livestock
Construction materials and equipment
Agricultural machinery
Cars
And so on

The hot shot trucking business can be very profitable if you know what you’re doing. In this article, we discuss the pros and cons of operating a hot shot truck. Let’s get started.

Reefer Safety Tips

May 26, 2022

Reefer trucks are essential for delivering temperature-sensitive products safely, and refrigerated products no longer include only food. Properly maintaining a reefer unit is the key to delivering an undamaged product, whether it’s perishable food, sensitive electronic equipment, or medical supplies.

Carrying refrigerated cargo can be especially dangerous because if the trailer’s temperature gets too high or dips too low, entire loads could be ruined, or worse, could make people sick. Bacteria can grow on perishable items if the temperature gets above 45° F.

The point is, following safety protocols are extremely important when it comes to your reefer. These units are very complex; therefore, you need to know how to properly operate a refrigerated truck. Let’s discuss the ins and outs of reefer safety.