Insurance

Whether you have just a few assets or own multiple homes, automobiles, and businesses, insurance coverage is vital. Protecting your assets, managing risks, and making sure you have the best coverage for the best price is part of our daily goal here at InsuranceHub. We enjoy getting to know each of our clients and helping them identify the insurance coverages that are right for them. We can’t see the future and we don’t know when disaster will strike, so it’s essential to be prepared for anything.

We understand that you need a policy that’s crafted to protect you from your specific risks, not just a one-size-fits-all plan. You’re one of a kind, so your insurance policy should be, too! Our goal is to not only make insurance easy but also to become a trusted advisor and partner to each and every client. We can help you pinpoint all of the risks that you face, and we can help you get the coverage you need to be protected from them.

How To Save on Cargo Insurance Rates

September 22, 2022

Cargo insurance protects the goods you transport, so if you suffer a loss such as theft, fire, crash, or collision that damages your shipment, you’ll be protected. Additionally, it’ll cover the expense of removing debris from roadways, which is beneficial because these costs can be quite high. Also, it’ll help with the funds needed to prevent additional damage to the cargo in question, as well as any legal defense costs that may arise.

As you can see, cargo insurance is a necessity. However, that doesn’t mean it’s a cheap expense. When shopping around for affordable cargo insurance, there are certain things you can do to save on your rates.

What’s the Difference between Non-Trucking Liability and Bobtail Insurance?

September 13, 2022

Regardless of whether you’re an owner-operator or independent contractor, it’s critical to have adequate truck insurance. Despite the safety measures and training requirements you’ve put in place, operating a commercial motor vehicle is considered a high-risk profession. Therefore, you must take proactive measures to safeguard your trucking business.

How Safety Programs Can Lower Truck Insurance Costs

September 1, 2022

With help from safety programs, you can save your company money, improve productivity, and increase employee morale on the road.

A Guide to Hot Shot Insurance Coverage

August 19, 2022

A hot shot truck is used to transport items that are too large to fit in a conventional semi truck. Animals, farming equipment, construction materials, and automobiles are examples of such items. Traditionally, this freight is transported over short distances and for individual clients.

If you wish to work in the hot shot transport industry, you’ve reached the right place! This article will go over the basics of hot shot insurance coverage. Let’s get started!

What to Know about Truck Insurance Filings

September 12, 2022August 12, 2022

If you’re in the transportation business then you need to adhere to federal and state insurance requirements. The Surface Transportation Board and the Federal Motor Carrier Safety Administration are federal agencies that regulate and oversee interstate commerce. The purpose of these agencies is to prevent commercial motor vehicle crashes by enforcing safety regulations, improving information systems, and targeting high-risk drivers.

As I’m sure you know, truck-related crashes are occurring pretty frequently and they’re costing insurance carriers millions a year. This is the reason truck insurance rates have been rising astronomically over the past several decades. So, despite this, adequate insurance coverage is needed to protect your drivers, your business, and the general public.

In this article, we’ll discuss the requirements for state and federal insurance filings. Let’s get started!

The Difference Between Intrastate vs. Interstate Trucking

August 9, 2022August 8, 2022

If you have a trucking business, your vehicles cover a lot of ground. Sometimes that ground is within the borders of one state, or sometimes that ground takes truckers through multiple states (or even countries). So – with that in mind, there are a couple of words that are often tossed around in the trucking world: intrastate vs. interstate. What’s the difference? Aside from the definition, what differentiates an intrastate business from an interstate business? We’ll explain the differences between intrastate vs. interstate in trucking so you can choose the right trucking authority package for you.

How Much Does It Cost to Tow a Car if I Call a Tow Truck Company?

August 11, 2022July 25, 2022

Calling a tow truck is probably not something you planned to do, and it may not be something you’re particularly happy to do. Your first question might be how much it will cost to repair your car. The second might be “How much does it cost to tow a car?” Every towing operation is different and it might be difficult to pin down an exact price before the tow. You might be envisioning triple-dollar signs.

If your car insurance policy includes roadside assistance, getting a tow can be completely FREE! That’s why, as a general practice, our experts always recommend roadside assistance when creating our auto insurance quotes. Including this type of coverage in your policy can ultimately save you time and money in a sticky situation. Here’s an idea of the average cost of a tow, the cost per mile, and why towing is priced the way it is.

What Affects the Cost of Dump Truck Insurance?

May 10, 2022April 4, 2022

If you have a dump truck business, you know you need to have the right insurance. Your trucks and your business are your livelihood, so you need to make sure that they’re protected. However, getting insurance for dump trucks sounds expensive. We’re going to explain what affects the cost of dump truck insurance for your business and give a few tips for lowering the cost of it.

Save Thousands by Purchasing Life Insurance While You’re Young

December 14, 2021

Life insurance provides financial security to family members in case the policyholder passes away. It can help your spouse, parent, or anyone that you add as a beneficiary. Life insurance companies offer lower premiums when you’re young and healthy. However, the premium amount increases with age.

This means that you can save thousands of dollars by taking out a life insurance policy while you’re young. It’s important to note, these premiums increase every year you get older, so you need to keep an eye on them. The longer you wait to get a life insurance policy, the more you’ll end up paying.

We are going to discuss how buying a life insurance policy at a young age can be an excellent idea.

To Bundle, or Not to Bundle Your Insurance

December 7, 2021

If you’ve ever shopped around for insurance, you’ve likely been asked if you want to bundle your policies—in other words, combine your home or renters, auto, and life insurance policies with the same carrier. Although you have the option to shop around individually for each policy, it almost always makes sense to have the same carrier cover as many of your policies as possible.

In this article, we go over when it’s a good idea to bundle and when it’s not.