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.

What affects my tow truck insurance premium?

July 4, 2021February 21, 2017

No two businesses are the same. This is especially true when it comes to tow trucks. Your business, whether it’s a tow-truck company or an auto shop, has its own fingerprint, and this fingerprint plays a large part in deciding what kind of insurance you need. And once you find the right coverage for you, there are lots of different factors that go into determining the cost of your insurance premium.

To take some of the mystery out of your insurance rates, here are some details about your business that will impact your premium:

What Kind of Insurance Do I Need for a Tow Truck?

July 4, 2021February 15, 2017

Cars break down—it’s a known fact and one of the fundamental truths of Murphy’s law (anything that can go wrong, will go wrong). When things go wrong with a car, who ya gonna call? A tow truck, of course. Whether it’s a collision or a breakdown, tow trucks are an essential part of making an extremely stressful day less stressful. If your business offers tow truck services, your trucks have been tasked with the important job of rescuing stranded cars and getting them to the shop safely.

But who’s protecting your trucks and drivers while they’re doing that? That’s where InsuranceHub can help with tow truck coverage.

Transportation safety tips for daycare and childcare providers

June 6, 2021January 25, 2017

Child care is full of challenges. There’s a lot that goes into running a daycare or childcare facility, and one of those things is getting the children where they need to go. It might be a bus bringing them from school to your center, or it might be taking them on a field trip to have some fun. Getting kids from Point A to Point B can be quite the ordeal—there are lots of potential risks associated with childcare transportation. Whatever the need for transportation or buses might be, there are a few important things to keep in mind to make the process as safe as possible. Just a few simple steps can significantly reduce the chances of something catastrophic happening. We’ve put together six transportation safety tips for daycare providers.

How can Bright from the Start reviews affect your daycare coverage?

June 6, 2021January 19, 2017

We don’t need to tell you how large a responsibility rests on your shoulders when it comes to taking care of other people’s children. Parents trust you with their kids, so it’s absolutely vital that your daycare or childcare facility is top notch and as safe as possible. This is where Bright from the Start, the Georgia agency that oversees early childhood education and childcare facilities, comes in.

Playground safety tips for daycares

June 6, 2021January 12, 2017

Kids run on unbelievable stores of energy. They love to run and play outside, thus the invention of the playground. Playgrounds are supposed to be a fun way for kids to get exercise, but they also present plenty of ways for kids to get hurt. If you run a daycare that has a playground, it’s important to make sure that the structures are as safe as possible—the kids’ parents are relying on you to keep their little ones out of harm’s way, and their concerns about outdoor play time aren’t unfounded. According to kidshealth.org, more than 200,000 children per year are taken to the ER because they got hurt on a playground. That number seems really big and scary, but we’ve put together seven playground safety tips to reduce the chances of bumps, bruises, cuts, and even broken bones.

Sexual harassment in the restaurant workplace

June 6, 2021November 17, 2016

Before we begin, just take a guess at how many female restaurant employees claim sexual harassment by their own management…

“Unfortunately, it’s just become the societal norm, and we have all accepted it and we all hate it.” —Woman bartender in Houston

In a moment we will tell you how many, but first, how would you define sexual harassment? If you have employees like the managers talked about in this article, you might have a very different definition than the law. This spells trouble for you and your restaurant.

Sexual harassment includes any of the following:

Sexual jokes and innuendos
Sexual advances and propositioning
Inappropriate touching
Groping

Host Liquor Liability Checklist

June 30, 2021November 8, 2016

Ignore this 8-point Host Liquor Liability Checklist at your own risk:

If you use liquor to entertain clients, then read closely. The law states that the consequences of an accident connected with the serving alcoholic beverages may fall on the party that served the alcohol.

So, who does this affect?

Do you serve wine, beer or booze at a:

Bar?
Tavern?
Restaurant?
Hotel?
Events?
Office parties?
Company-sponsored parties?
Client meetings?

Wise business owners see the consequences down the road of serving alcohol. Inexperienced business owners must suffer the consequences. How about you? Where do you fit in? By taking a proactive approach to this, you can avoid many headaches later on.

What lessons can you learn from Denny’s restaurant?

June 6, 2021November 3, 2016

Denny’s has been in the news many times over the years. This time, it’s for racial discrimination and the following lawsuit.

What practical lessons can your restaurant learn from this? In this lawsuit, an Illinois African American family sued the restaurant chain for racial discrimination and they won. The jury awarded the family $600,000.

Read closely to their claims:

A white waiter deliberately ignored them
Later, the waiter used racial slurs when the family finally did get service

One of the family members hopes that the award by the jury sends a message to the restaurant chain. But what about your restaurant?

Preventing restaurant break-ins and robberies

Tips to prevent restaurant break-ins and robberies

June 6, 2021November 1, 2016

Will you learn from these restaurant robbery lessons?

We did a quick search on the internet for restaurants that were robbed and broken into.

When we Googled this, here is what we found:

NASHVILLE — East Nashville restaurant Hunan Express was burglarized early Thursday morning.
ATLANTA – Police are investigating a violent ambush robbery at a popular Inman Park restaurant.
CHARLESTON — Police are investigating a reported break-in at a restaurant on the West Side of Charleston.

Is your LuLaRoe inventory insured?

July 2, 2021October 25, 2016

Chances are, if you’re reading this article, then you likely have racks and racks of clothes sitting within viewing distance.

You’ve got your shipping down, you have been having pop-ups, you’ve got a Facebook group going and you have probably been selling quite a bit. You’re also probably investing money to grow your inventory.

What started out as a hope and a dream is now your real business. Your inventory is likely worth somewhere between $5000 and $20,000 wholesale. And guess what? Everything you have built is not insured. Your home insurance policy isn’t built to cover your business. A small kitchen fire could ruin your entire inventory with smoke smell. Theft, slip and fall, or even a car accident with your inventory in transport could not only put you out of business but also put you at risk of a lawsuit.