Okay, it’s official – winter has come early. The snow has arrived, and that means it’s time to brush up on tips for safe winter driving and driving in snow. The roads can get slick and visibility can go way down, so it’s important to take it easy and stay safe. Since we know that driving in snow may not be something you do every day, we’ve got some tips to help you stay safe behind the wheel in the snow.
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.
What do I do if my home insurance is canceled or nonrenewed?
What would you do if your home insurance company said that they were no longer going to insure you? The news would probably come as a pretty big blow. You depend on your home insurance to protect your house and losing that insurance might cause a little bit of panic. It can be difficult to get home insurance after being canceled or nonrenewed by an insurance company, depending on their reason for dropping your coverage. The question going through your mind might be: What do I do if my home insurance is canceled? There are a few things you can do in the event that your home insurance company drops you.
Does my business need employment practices liability insurance?
Employees are what keep businesses running, but what would happen if one of your employees brought an employment-related claim against your business – allegations of discrimination or wrongful termination? Would you have the resources to legally defend your business against a claim or lawsuit of that sort? It’s important to consider employment practices liability insurance, or EPLI, to protect your business from this often-overlooked risk. We’ll go over what EPLI does and how it can help your small business.
8 easy ways to prevent the spread of flu in the workplace
Winter is rapidly approaching, and that means flu season is upon us. Usually, flu season is considered as being October through about February, which means that we’re cruising right into the flu danger zone. The flu, aside from just being downright unpleasant and exhausting for the person who’s sick, is also problematic for the workplace. With coworkers dropping like flies to illness, it can be a scramble to get the work done that needs to get done. So, before everyone starts getting sick and calling out from work, we’ve got some tips to help you prevent the spread of flu at your workplace.
Don’t forget to change your smoke detector batteries this Daylight Savings!
It’s that time of year again – time to set the clocks back one hour and get some extra time to sleep! Daylight Savings Time ends at 2 am on November 05 (Sunday morning), so don’t forget to “fall back” and put your clocks back an hour before going to bed Saturday night. But Daylight Savings Time means there’s something else you shouldn’t forget to do – it’s time to change the batteries in your smoke detectors. You should do this every six months, which is why it’s convenient to do at Daylights Savings when you set your clocks forward or back. It makes it easy to remember. Yes, it might seem tedious to buy new batteries and dig out the toolbox to change all the batteries in all the smoke alarms in your home, but we have a number of good reasons to do so. Home insurance might replace your home and your belongings, but obviously, it can’t replace lives.
Does your business need hired and non-owned auto insurance?
If you have a small business, your employees might have to use their own personal cars in the course of their jobs. They might meet with clients, pick up supplies, run errands for your business, or attend conferences. Even though your employee is driving their own car with their own auto policy, they’re only driving because they’re conducting business for you. If you have commercial auto insurance, you might think you’re covered.
But there’s a catch – commercial auto policies only protect you when employees are driving a work-owned vehicle for company business. It doesn’t apply to an employee’s personal vehicle. This is where another kind of auto insurance – hired and non-owned auto coverage – comes in to protect your business if you’re found to be at all accountable. Let’s take a look at hired and non-owned auto insurance.
How to keep your kids safe while trick-or-treating this Halloween
There’s a certain magic to trick-or-treating. Kids love dressing up in costume and getting yummy candies from neighbors. Halloween is up there on their list of favorite things, for sure. But trick-or-treating, while super fun, isn’t without its risks. If your kids are going trick-or-treating this year, you need to lay down some ground rules for the Halloween fun. We’ve got some tips to help you keep your kids safe this Halloween.
How to protect your business from the danger of ransomware
It’s a normal Thursday morning. You unlock your business, preparing to open for the day. You turn on the lights, set down your stuff, and log in to your computer.
Or try to.
Your computer screen is frozen on a very scary-looking screen that says that your computer has been locked and that you have to pay a lot of money to get it back. You try everything you can think of, but the screen stays put very stubbornly. You’re super locked out…and super panicked. You need your computer to run your business! With a sick feeling in your gut, you stare at the screen, wondering how in the world you’re going to get out of this one.
So, what happened? Ransomware happened. We’ll explain what ransomware is and how to avoid falling victim to it.
How to choose a safe costume for your child this Halloween
When you’re a kid, there’s nothing quite as exciting as making the decision of what to be for Halloween. As a parent, you love to see your kids’ faces light up when they get their costume and talk about what they’re going to be. But it’s also important to make sure that your child’s costume is safe for them to go parading around the neighborhood trick-or-treating. You know how to child-proof a home, but what about a costume? A Halloween costume is a big decision, and it’s exciting to see everything come together. And we’ve got some tips to make sure that your kid’s costume is super safe.
What’s spear phishing and why doesn’t it have anything to do with fish?
It’s no question that hackers nowadays have gotten exceedingly clever – almost unfairly so. It’s important to protect your business from online scams, and one of the biggest threats is a scam called phishing – and no, it doesn’t have anything to do with fish. The name is disappointingly misleading. Anyways, phishing is when a hacker or scammer impersonates a trusted institution, like a bank, to trick targets into giving away personal information. But there’s a whole other level of phishing. And that’s called spear phishing (again, not quite sure where they got the name.) Spear phishing is even more nefarious than regular phishing because it’s harder to detect. We’ll go over what spear phishing is and how to avoid it.