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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.

Business interruption insurance can help your business if you have to close temporarily.

What is business interruption insurance (and does my business need it?)

Most business owners would probably agree that a major worry is having to close the doors temporarily due to a fire or another loss. Experiencing a business interruption throws everything into chaos. Of course, you have property insurance to help you get back on your feet and cover the expenses of repairs or rebuilding.

But here’s the kicker:

Property insurance will most likely not cover moving to a temporary location if you have to close for a short time. What’s more, property insurance also probably won’t reimburse you for the income you lost while you were closed.

However, there’s good news:

Business interruption insurance (or business income insurance) can help your business weather a loss that forces you to close your doors, such as a fire, vandalism, natural disasters, and equipment damage. While it’s often forgotten and neglected, business interruption is a very valuable type of coverage.

Let’s see what it’s all about.

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Crime coverage can help protect your business against employee theft.

How crime coverage can protect your business from employee theft

While it’s important to trust your employees and foster positive relations with the people you work with, it’s also important to be aware of the risk of fraud and protect your business against employee theft. There are steps you can take around your premises to prevent employee fraud, but another way to protect your business from this very common occurrence is to consider crime coverage for your business. We’ll explain how crime insurance can help your business if you ever experience employee theft.

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Physical damage coverage is important when it comes to protecting your towing business.

What is physical damage coverage and does my tow truck business need it?

Sometimes we run into bad luck. Running a tow truck business, you know that anything can happen – you face a lot of risks, and sometimes those risks catch up with you. Tow truck insurance exists to help your business out of tight spots and protect your towing operation, but there are a lot of coverages out there that you ought to consider before being satisfied that your business is protected from anything the road can throw at you (or any trees that could fall on your tow trucks – we’ll explain in a second.) One of those coverages is physical damage coverage. We’ll explain what physical damage coverage is and how it can protect your business.

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It's important to take steps to prevent truck rollovers.

7 tips for preventing truck rollovers and avoiding accidents

We’ve all seen news reports about trucks – tractor-trailers, especially – rolling over and causing car accidents, injuries, and even fatalities. Rollovers can happen all-too-easily, and it’s important to be aware of how you can prevent them and what raises your risk of having a rollover. By doing so, you keep yourself safer when you’re behind the wheel and lower your chances of having a crash that could injure you and other people. Avoiding crashes can also help you lower your truck insurance rates, whether it’s tow truck insurance, car hauler insurance, hot shot insurance, or flatbed truck insurance. We’ll go over some potential causes of rollovers and give you some tips for preventing them.

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Speeding can have a negative effect on your tow truck insurance rates.

The consequences of speeding for tow truck drivers

As a tow truck driver, there’s a lot of pressure to hustle on the job so you can haul as many cars as possible. You don’t want the customer to have to wait a long time for you, and when you finally get to the car that needs to be towed you may feel the need to get the car to where it has to go as soon as possible. There may even be the temptation to speed and push the speed limit. However, speeding comes with a lot of risks. It can cause car accidents and can even have a negative effect on your tow truck insurance rates. We’ll go over the dangers of speeding.

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Growing a towing business

How defensive driving can help your tow truck insurance rates

As a tow truck driver, it’s essential to be as prepared as possible for anything. Things can change on the road in the blink of an eye. You’re not alone on the streets, so you have to pay attention to what other drivers are doing. Constant vigilance is a must – driving is dangerous. Defensive driving can help you avoid getting into an accident, which can help you save money on your tow truck insurance rates. (And that’s helpful because tow truck insurance rates have been increasing.) We’ll explain the three aspects of defensive driving and how it can help you avoid accidents.

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Your deductible can affect your tow truck insurance premiums.

Does my deductible affect my tow truck insurance rates?

If you sometimes feel like your head is spinning when you’re confronted with all of the insurance-related terms you have to know for your tow truck business, don’t worry – you’re not alone. With all the different types of tow truck insurance out there, not to mention all the fancy insurance words, it can get overwhelming. One of those buzzwords you might have been wondering about is deductible. Maybe you’ve been wondering what exactly a deductible is and why people make a big deal about it. We’ll give the definition of deductible and go over what it means. Even better, we’ll explain how it can affect your tow truck insurance rates.

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Texting and driving is extremely dangerous.

What you need to know about texting and driving and tow trucks

Something about cell phones is too tempting to ignore. Though we know that we shouldn’t text and drive, somehow it happens anyway – and often with disastrous consequences. According to the National Highway Transportation Administration, 391,000 were injured and over 3,400 were killed in distracted driving accidents in 2015. The CDC reports that every day in the United States about nine people are killed and 1000 are injured in crashes that involve a distracted driver. As a tow truck operator, you and your drivers spend hours on the road, and it’s essential that your full attention is on the task at hand. We’ll take a look at why texting and driving is so deadly for tow truck drivers.

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Think about your deductible before filing a tow truck insurance claim.

Should I file a tow truck insurance claim for my business?

There’s this thing called Murphy’s Law that states that anything that can go wrong, will go wrong. Perhaps it seems a tad pessimistic, but as a tow truck driver, you may be inclined to believe it. You’ve seen plenty of strange, unlucky, and crazy situations out there on the road. But what if Murphy’s Law hits your business? What if something happens to one of your tow trucks – say, a cracked windshield or a smooshed front bumper? You might immediately think to file a claim on your tow truck insurance. It was invented for Murphy’s Law, after all. But you may want to pull out a calculator and do some numbers before you do. Claims have an influence on how much tow truck insurance costs. We’ll explain why.

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Check out our summer tow truck gear guide

How to improve safety at your tow truck business (and save on insurance)

Towing cars isn’t always an easy job. There’s a lot of responsibility associated with transporting someone else’s car, and so safety is absolutely paramount for tow truck companies. You might have a good record for your business with few accidents, tickets, or losses, but it’s still important to do everything you can to establish high safety standards for your company (and besides, it can help you save money on your tow truck insurance rates.) That being said, here are a few ways you can boost safety at your tow truck business.

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