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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.

Ransomware is a major cyber threat.

How to protect your business from the danger of ransomware

It’s a normal Thursday morning. You unlock your business, preparing to open for the day. You turn on the lights, set down your stuff, and log in to your computer.

Or try to.

Your computer screen is frozen on a very scary-looking screen that says that your computer has been locked and that you have to pay a lot of money to get it back. You try everything you can think of, but the screen stays put very stubbornly. You’re super locked out…and super panicked. You need your computer to run your business! With a sick feeling in your gut, you stare at the screen, wondering how in the world you’re going to get out of this one.

So, what happened? Ransomware happened. We’ll explain what ransomware is and how to avoid falling victim to it.

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Spear phishing is a very tricky online scam.

What’s spear phishing and why doesn’t it have anything to do with fish?

It’s no question that hackers nowadays have gotten exceedingly clever – almost unfairly so. It’s important to protect your business from online scams, and one of the biggest threats is a scam called phishing – and no, it doesn’t have anything to do with fish. The name is disappointingly misleading. Anyways, phishing is when a hacker or scammer impersonates a trusted institution, like a bank, to trick targets into giving away personal information. But there’s a whole other level of phishing. And that’s called spear phishing (again, not quite sure where they got the name.) Spear phishing is even more nefarious than regular phishing because it’s harder to detect. We’ll go over what spear phishing is and how to avoid it.

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Make sure your employees know how to recognize scams when they see one.

6 different online scams that your business needs to be aware of

Nowadays, many businesses would feel powerless without their computers. We depend on our technology to help us run our lives, and businesses are no exception – which is why it’s important to learn how to manage your IT risk. Technology is great, but it’s also a weak spot for businesses because computers can be targeted by hackers. The reality is that even though our machines seem nice and secure, locked away in our office building or store, they’re actually very susceptible to attack. In the hands of a hacker, computers are like putty. And, to be honest, so are humans. We’re not as smart as we like to think we are sometimes. And that’s why it’s so important to go over a few different online scams that could hurt your business, which is exactly what we’re going to do in this article.

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There are several things you need to do if a workplace injury occurs.

6 things you need to do if an employee has a workplace injury

No employer wants to see an employee get hurt on the job. You don’t want to see your employees in pain, and workplace injuries often have long-lasting effects on any business. But accidents are inevitable, and eventually you may find yourself dealing with a workplace injury or illness. This is why workers’ compensation insurance is a vital part of any business’s insurance plan. If you do ever have a workplace accident, there are six things you absolutely have to do.

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We've got some tips to help you retain your employees.

How to retain your employees and reduce turnover at your business

Seeing your employees move on from your company is bittersweet. You’re happy that they found an opportunity and that they’re making a forward move in their careers, but…why’d they have to leave? What are you going to do now that you have a vacant position? It’s back to the drawing board of hiring, and that means advertising the job, interviewing, onboarding, and training. It also means being prepared to handle hiring risks. Yikes. On top of that, the employees who leave know how things work. They’re efficient, and their experience is invaluable.

It’s important that you’re able to keep your employees at your company. In order to make your company the best place to ever work, it’s important that you take steps to keep people at your business – and here are some tips to do just that.

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Keep your employees safe while they handle cash.

Tips for keeping your employees safe while they handle cash

The world sometimes seems like it’s driven by money. If you have a business that handles lots of cash on a regular basis, for instance, a restaurant or retail store, you understand. But as great as money is, having cash on-hand creates risks for any business. Cash registers and cash drawers instantly make your business a target for theft and hold-ups. As a business owner, you want your employees to be safe. You don’t want them to get hurt because of the money they handle. We’ve got some tips that will help you establish policies for safe cash handling at your business and lower the risk of something bad happening.

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Hiring is a risky time for employers.

How to avoid employment practices liability when you’re hiring

Hiring can be an ordeal. First, you have to figure out what exactly you need. Then you have to come up with the job description and application. Then there’s interviewing all of the eager applicants who want to wow you. Then there’s the selection process, and on-boarding, and training…Eeesh. The last thing you need to come from all of that hard work is someone bringing a lawsuit against your business for discrimination. Hiring is one of the most eggshell-walking times for employers because of the risk of unintentional discrimination that could result in hefty employment practices lawsuits. We’ve put together some tips for you to make sure that you’re going by the book when you’re hiring so you can avoid employment practices risks.

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There are a lot of different ways that inland marine insurance can be used.

The oxymoron that is inland marine insurance and why it’s important

Question: What’s inland marine insurance?

Follow-up question: Does it have anything to do with boats, by chance?

Welcome to the world of confusing insurance terminology! Inland marine insurance is a way for businesses to fill gaps that might be in their coverage. Coverage gaps are not good for businesses – you wouldn’t carry an umbrella with holes in it into a rainstorm, would you? Nope. So, the point is that you need to make sure that you don’t have any gaps in your business insurance. Some aspects of your business might not be covered elsewhere in your insurance plan, and that’s where inland marine can help. We’ll explain how.

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Workplace bullying is a serious problem.

Why it’s important to prevent workplace bullying

You want your employees to feel welcome, safe, and happy when they come to work. You want the sight of your workplace to make them smile, and you want them to have camaraderie with their coworkers. In an ideal world everyone would get along perfectly and there would never be any drama within your team. But that’s not always the case. If you thought that bullying stops at the playground, think again. It can happen and does happen all-too-often in the workplace.

While harassment and bullying at the workplace can have many different forms, it’s usually considered to be an instance in which someone is using power or intimidation to hurt someone else. Sometimes the behavior is not intentional, but often it is. And that’s why you need to both take a stand against bullying and take steps to prevent sexual harassment in the workplace.

Bullying at the workplace can have serious negative effects on the target’s mental, emotional, and even physical health. It can lead to feelings of low self-worth, depression, anxiety, and even headaches in the person being bullied. For you as an employer, the cost of bullying can come in the form of lawsuits if the behavior goes ignored, but there are other effects that are far-reaching and can seriously hurt your business. Let’s take a look at some of them and then talk about how you can prevent bullying in your workplace.

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Bailee insurance protects your clients' belongings while they're in your care, custody, and control.

Does my business need bailee insurance?

As a business owner, you know that you need to make sure you’re protected from all potential risks. Your building is covered by property insurance, your employees are covered by workers’ compensation insurance, your clients are covered by general liability. But what about the things that don’t strictly belong to you? If your business stores, cleans, repairs, services, or otherwise holds on to your clients’ property, you’re instantly put at risk. If you do computer repairs, for example, chances are that your client wouldn’t be too happy if your sprinklers went berserk and fried their laptop, would they?

To protect your business from the risk that comes along with keeping your clients’ possessions in your care, custody, and control (basically a fancy way of saying they’re trusting you to keep their belongings safe) you might want to consider bailee insurance.

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