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.

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

Does my business need bailee insurance?

June 6, 2021August 23, 2017

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.

Does my small business need umbrella insurance?

June 6, 2021August 16, 2017

Some claims are just too big for normal insurance. As a business owner, you probably don’t want to think worst-case-scenario about a huge disaster or lawsuit befalling your business. It’s easier to shut those things out of our minds. But the truth is that it might happen. Big losses, though they might have a low probability of happening, do happen. And when they do they can be absolutely devastating.

That’s why there’s umbrella insurance. What does umbrella insurance do, exactly? And why do you need it for your business? We’ll explain what umbrella insurance can do for your business and why you might want to consider it.

Social media has its risks for businesses.

How to defuse social media nightmares at your business

June 6, 2021August 9, 2017

Follow me on (insert various social media platforms here)! How many times do we hear or read that in a day? No matter how hard we try, it’s impossible to escape the reach of social media. Businesses have also hopped on the social media bandwagon to build their brands and reach out to potential customers – if you can’t beat ’em, join ’em, right? Along with other technology risks that businesses face, there are specific social media risks to be considered. What if you get negative comments or trolls on your social media pages? What if you’re facing a social media disaster? You need to have a plan to deal with the negativity you’ll inevitably find online.

We’ve got some tips to help you create an effective crisis/damage control plan for your social media and online presence. The trick is to be ready for a disaster before it happens – scrambling never did anyone any good.

Your temporary workers or contractors may not be covered under workers' comp.

Are your temporary workers covered by your business’s insurance?

June 6, 2021August 2, 2017

Sometimes there just aren’t enough bodies around to get all the work done that needs to get done. If you find yourself shorthanded, you might be considering taking on some temporary workers from a staffing agency. This is a mutually beneficial arrangement – the employee gets some work, you get an extra set of hands to help out, and you save yourself the trouble of having to go through the hiring process to find someone.

But the problem is that since your temporary workers are only temporary, they might not be covered by workers’ compensation insurance. So what would happen if they, say, fell off a ladder? Fell down a flight of stairs? Slipped on a wet tile floor in the break room? The point is that it would be hard to know who’s responsible for covering the medical bills, or the legal costs if they decide to sue.

Anyways, the point is that you need to make sure that you completely understand the relationship between the worker in question and the staffing agency. How the staffing agency classifies them (as a W2 employee or a 1099 worker) affects how they are – or are not – covered by workers’ comp or general liability insurance.

So. With that lead-in behind us, let’s jump in.

How to prevent sexual harassment lawsuits at your business

June 6, 2021July 26, 2017

No one wants to feel threatened or intimidated at the workplace. Work is supposed to be a safe place, and as an employer you want your employees to feel happy and excited about showing up every morning. And you want them to feel comfortable and hopefully trust the people around them. Sometimes, though, there’s behavior you might not see from some of your employees that makes others feel vulnerable or uneasy. Sexual harassment in the workplace is not something to be taken lightly. The negative effects that it has on a workplace are serious. That’s why it’s so important to know how to prevent bullying in the workplace and take steps to prevent harassment. We’ve got some tips to help you keep harassment out of your business.

What’s the difference between cancellation and nonrenewal?

June 6, 2021July 19, 2017

When it comes to your business insurance, it’s important to have the right coverages. But what does it mean if your policy is nonrenewed or canceled? They might sound the same, and it might seem like they have the same outcome – you don’t have business insurance – but they’re actually two different things and happen for different reasons.

So, let’s take a look at what these two scenarios mean for your business.

Having a return to work program is important for your business.

Why your business needs a return to work program (and how to make one)

June 6, 2021July 12, 2017

As an employer, one of your worst nightmares might be one of your employees getting hurt on the job. Your employees have families to support. If they’re injured, they’re out of work for as long as it takes them to heal. They might have a bit of a chip on their shoulder towards your company, too, if they got hurt while doing work to benefit your business.

Workers’ compensation insurance claims and employee injuries are also very costly. Getting the employee back to good health is, of course, the priority, but the costs of doing so can be very high for your business. However, there’s a way that you can help your employees and your business if someone gets hurt while working. You can create a return to work program.

Social media is a big part of today's society.

Ten ways to manage the risks of using social media for your business

June 6, 2021July 6, 2017

Connected. That seems to be the magic word these days. Social media has come crashing into society, and its effects have been far-reaching. Businesses feel the pressure to go digital and create social media accounts. And social networks can be very beneficial for small businesses – it allows you to connect with others who are involved in your industry, reach out to clients, and even stumble into potential job candidates. But along with all of the benefits of social media, there are risks. Knew there had to be a catch somewhere! The risks, though, are manageable, and we’ve got a few tips to help your business stay savvy with its social media.

Is your workers' comp claim compensable?

How to know if your workers’ comp claim is compensable

June 6, 2021June 29, 2017

Workers’ compensation insurance can be a real lifesaver for a business if an employee gets hurt or becomes ill because of their job. It’s a way to protect them and make sure that they’re provided for if something happens to them on the job. Safety should always be a priority at the workplace – along with helping you and your employees avoid injuries, this will help you lower your workers’ comp premiums as an added bonus.

Anyways, if something happens on the job, you may not necessarily be to blame for the accident or injury, but you were the one requiring the employee to be there. Thus, workers’ comp insurance is there to take care of your responsibility to the employee. If you’re in the position of handling a workers’ comp claim and you’re not sure if it’s going to “count” as a claim, keep in mind that there are a few criteria to be met for a claim to be compensable. (Compensable basically means that the employee is eligible to receive workers’ comp benefits because of their injury.)

So, what are these magic criteria, you may ask?

We’ve broken the requirements into three questions below to help you figure out where your workers’ comp incident stands.

How to implement a workplace injury and illness prevention program

June 6, 2021June 22, 2017

Accidents happen, but it’s generally in everyone’s best interest if people don’t get hurt. And as an employer, you’re the watchdog/fearless leader of workplace safety. It’s your job to be on the alert for potential hazards that could cause your flock harm, so you need to make your workplace as safe as possible. One way to do that is to start an injury and illness prevention program to make sure that safety is upheld throughout your business. Doing so will help you avoid workers’ comp claims and so lower your workers’ comp insurance premiums.

And guess what? We’ve got some tips for you to get your program up and running.