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.
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.
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.
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.
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.
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.
When you’re a small business owner, you pour yourself into building up your business’s name and reputation in your community. We don’t like to dwell on the negatives and the what-ifs that distract us from the now. But the reality is that if you don’t take measures to protect your business from the future you could find yourself in the devastating position of having to shut your business down. It only takes one disaster, one stroke of bad luck, to spell doom for a small business. That’s why there are so many different types of small business insurance – to protect your business from its specific and unique risks.
Your business faces many different perils every day, and there are corresponding small business insurance coverages to protect you from them. Here are ten of the most common perils and insurance coverages that you might want to consider for your business. As you read through the different types of coverage that are out there, think about your business and whether or not there are any gaps in the coverage you currently have.
Sometimes it feels impossible to get through the day without technology. We’ve come to be extremely reliant on our computers and phones—after all, they do make things easier and faster…when they want to cooperate. Persnickety tricks and malfunctions notwithstanding, technology is great for your business. But your computers are also a huge vulnerability with plenty of IT risks. They’re an Achilles’ heel. That’s why cyber liability insurance is so crucial for your business.
Your computers are wide open to a hack that could jeopardize your customers’ personal information, even though we don’t want to think they are. Protecting your business against things that you can see is second nature, but cyber threats are pretty invisible, so it’s easy for them to escape our notice. Plus let’s be real—computers are complicated, so we might not even know we have a weak spot till it’s too late. A hack can strike like lightning—swift and devastating. Fortunately, they invented cyber liability insurance to protect your business against those invisible threats, and here’s what cyber insurance can do for you.
If you think about it, people place a lot of trust in your restaurant and your employees when they eat at your establishment. They trust that you’ve done your due diligence when it comes to preparing their meal and that you’ve taken steps to ensure cleanliness. They’re trusting you to not make them get sick. Or, you know, spit in their food.
That’s why health inspectors check out restaurants to make sure that they’re following proper guidelines for food safety. Inspectors will oftentimes drop by with little or no notice during a busy meal rush to conduct a health inspection—they want to see how your facility runs during a typical day. They want an honest look at things.
The idea of being inspected might be stressful for everyone who works at your restaurant, but we’ve put together a few tips to help you do your best on your health inspection.
If you work in the tow truck industry, you’ve probably noticed a few changes when it comes to insurance – namely, the cost of your tow truck insurance premium rocketing upwards. As if tow truck insurance wasn’t pricey enough, it’s only gotten worse. The jump in rates has been enough to make more than a few tow truck companies close their doors.
But why is this happening, and why now? Why does it seem like your insurance company is charging you a crazy rate when just last year things were reasonable? There are several reasons for the chaos that is the tow truck insurance industry, and we’ll try to make sense of the changes that have been affecting towing companies around the nation.
If you work at a retail store, you’re all-too-familiar with the chaos that is the holidays, Memorial Day Weekend, or pretty much any time there’s a big sale. People rush around to do their shopping and it feels like there isn’t enough time—or hands—to worry about keeping everything neat and tidy. When there are customers packed into the store, safety might take a backseat. However, it’s vital to enforce safety over speed and to always keep the floor clear.
There are a few things you can include in your training to make sure that your retail store stays safe both for your customers and your employees. The following are some safety tips that could come in handy around your store.