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.
Dump trucks come in a variety of styles and sizes, but one thing that should remain the same across the board is safety. Dump trucks are dangerous at the best of times. Whether you’re the driver or someone helping at the job site, it’s important that you make safety a priority whenever you’re working around a dump truck.
To help keep you safe while working with your dump truck, we’ve come up with ten tips that will keep everyone out of harm’s way.
There are lots of potential risks that people who work with tow trucks face every day. Risks, or exposures, are why people get tow truck insurance in the first place—so that they’re protected from whatever life might throw at them.
As someone who works in the tow truck industry, it’s important that you understand what you’re up against. There are several types of risks that your business faces every day, so we’ve outlined the kinds of exposures that you need to be aware of when thinking about getting your insurance coverage. The exposures and risks depend on what kind of tow truck business you have (mainly whether you’re strictly towing or you have a body shop), but these are the main ones to think about.
When an employee gets hurt on the job, the top priority is making sure that they’re okay and that they get the care that they need. So it’s important for employers to have sufficient workers’ compensation coverage to make sure that their employees and their families are provided for if an accident happens on the job. However, there are still a few things that you can do to manage the cost of your workers’ compensation premium. We’ve put together a list of six tips that will help you understand what goes into determining your workers’ compensation premium and explain how you can lower it.
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:
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.
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.
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.
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.
“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:
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.
Do you serve wine, beer or booze at a:
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.