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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.

Avoid disaster: Tips to improve safety at your retail store

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.

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Connected by technology: Are you staying compliant with overtime laws?

It’s hard to know when to draw the line when it comes to phones and laptops. As an employer, you know the drill about making sure your employees are compensated for any overtime work that they do. You know you’d be in hot water if you didn’t pay your employees the proper rate for their extra time. But have you considered the time that they put in at home from their electronic devices?

In our technology-dependent world, we tend to take laptops and cell phones for granted. They’re just a part of life. But when it comes to overtime pay, there are some things you need to know as an employer. Your liability goes up if you ignore the extra hours your staff put in outside of the office when they’re staring at a screen. We’ve got a few tips that you can follow to make sure that you’re paying your employees fairly for the amount of work they do.

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What you need to know about flood insurance for your business

Nothing is impervious to water. Somehow we don’t think about how destructive little raindrops can be. If there’s a bad storm we think about trees falling, hail pelting windows and cars, branches being thrown around like twigs – you know, the usual. But somehow we forget about the water.

Flooding can happen for a variety of reasons, not just from heavy rain or even hurricanes (although both can create some pretty serious deluges.) Mudslides can cause flooding. So can snowmelt that runs into rivers. There’s also the possibility that nearby development and construction can change the land so that it can’t drain like it should. At any rate, when your building is doing its best impression of a swimming pool, it doesn’t really matter what caused the flooding in the first place. You just want the water out of there.

While we can’t completely shut Mother Nature and her swamps of water out, being prepared can help reduce the damage your business could face from a surprise flood. We’ll explain the basics of commercial flood insurance, but we’ll also go over some ways that you can bolster your business’s defenses against flooding.

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10 tips that will make you a pesticide safety pro

If you work in lawn care or landscaping, pesticides and other chemicals are probably just a part of life. Insecticides, herbicides, fungicides – you name it, you use it. But these chemicals can be very harmful if they’re not handled and stored properly. If you work with pesticides or other chemicals, you need to be safe so you can reduce your chances of exposure.

There are four different types of exposure:

  • Getting it on your skin: Can lead to dermatitis (irritation of the skin)
  • Swallowing: Can damage the digestive system and enter the bloodstream
  • Inhaling: Can cause inflammation of the lungs
  • Getting it in your eyes: Can lead to visual impairment

Remember, these chemicals are intended to kill living things. That means that they need to be used with caution. Follow these tips to become a pesticide safety pro.

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How to make your business fireproof

No business owner wants to consider the possibility of their business going up in flames. If your business were to be burned to the ground, the financial burden would be staggering. You’re facing not only the costs of rebuilding the premises itself but also the cost of your lost income and profits. Most businesses that face a fire don’t end up reopening after the fact. The good news is that there are some steps you can take to lower the chances of that happening.

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How to avoid wrongful termination lawsuits

Sometimes you have to fire people. It happens within every company. It might be because the employee consistently causes problems, or it might be for financial reasons. Either way, it’s not a comfortable situation to be in. Emotions run high. Losing a job can be a devastating blow to an employee, and if they feel that they were wrongfully fired they could bring charges against your company.

There’s a right way and a wrong way to fire an employee, and leaving someone out in the cold with no given reason is generally not the best way to go. To avoid being on the chopping block of a wrongful termination suit, there are a few things you need to keep in mind and a few employment practices you can implement.

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How to handle a data breach in your company

Your clients entrust your business with their personal information on a regular basis. You swipe credit cards, make sales, take phone numbers or addresses, and might need even more sensitive information at times. We’d like to think that our computer systems and IT are secure, but they’re not. They can come under attack at any time, and if they fall you need to know how to face the consequences.

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Does my restaurant need spoilage coverage?

Anyone who’s been out to eat on a Friday night knows that there’s a lot to think about in terms of keeping a restaurant afloat. There’s the quality of the food, the service, the kitchens, the supplies, and a ton of other things to consider (like making sure there’s enough ketchup in the fridge.) And insuring a restaurant is no exception—food service businesses need to be prepared for a lot of different scenarios. But aside from all of the other types of insurance a restaurant might consider, there’s another important one to take into account when finding coverage for your restaurant: spoilage coverage.

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Why your workers’ comp claim needs to be reported quickly (and how to make that happen)

No employer wants to see an employee get hurt. An injury is a traumatic experience not only for the victim but also for the supervisor and fellow employees. A workplace injury might leave everyone in shock, but it’s crucial that the proper reports and paperwork (including the workers’ compensation claim) are filled out as quickly as possible.

Making sure the employee gets the medical attention they need is the priority, of course, but the next tasks that need to be done are the claim paperwork and the report. There are several reasons why it’s important to file your claim as soon as you can, which we’ll explain, and we’ll also give you some tips that will help you speed up the process of filing the claim and the report.

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