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Straight From The Source Blog by Higginbotham Insurance


Best practices for your early return-to-work program

March 27 , 2018

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As the old saying goes, prevention is the best medicine. When it comes to reducing the cost of workers’ compensation insurance claims, this holds true. Preventing workplace injuries and illnesses is clearly the best method. Even with the best training, equipment and policies, however, the occasional incident may still occur. When this happens, an early return-to-work program can benefit both the employer and the employee.

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Tags: Risk Management, Business Insurance


The basics and benefits of E&O insurance

January 18 , 2018

E&O insurance coverage

Americans have a reputation for being litigious. Some lawsuits may be frivolous, others may be justified, but all have the potential to be time-consuming and expensive. Professionals who offer their services to the public are especially prone to becoming the target of a lawsuit. This is an unescapable risk, but one that can be mitigated with Errors and Omissions insurance.

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Tags: Business Insurance


Eight hiring tips to help drive down workers comp insurance rates

December 21 , 2017

hiring tips

If you’re like most employers, workers’ compensation insurance is still one of your biggest and costliest headaches. And the only way to control workers’ compensation costs is by aggressively attacking them at every opportunity. “The best defense is a good offense,” as the saying goes.

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Tags: Business Insurance


How cyber insurance works

November 30 , 2017

how cyber insurance works

Strengths. Weaknesses. Opportunities. Threats. As you plan for 2018, you may be conducting a formal or informal SWOT analysis for your business. When you get to the “Threat” category, make sure to add cyber risk to your list.

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Tags: Risk Management, Business Insurance


Who needs professional liability insurance?

October 19 , 2017

Photo by Chris Davis on Unsplash

With so many insurance products available, figuring out which ones we need can seem daunting. No one wants to waste money on a superfluous policy. At the same time, no one wants to go without an essential policy – then pay the price for it later. One policy you may be wondering about is professional liability insurance.

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Tags: Business Insurance


Know your e-mod factor and how it affects your workers’ comp premiums

August 24 , 2017

e-mod factor & loss control

Businesses today are seeing movement in their experience modification (e-mod) factors. In Texas, there have been changes over the last few years in how modifiers are calculated. Higher modifiers can cost contractors work and affect how underwriters view businesses as a risk.

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Tags: Risk Management, Business Insurance


Food chain 411: Could your business survive an outbreak or recall?

July 13 , 2017

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We’ve all witnessed the unfolding drama with our food supply in recent years – the recalls of ground beef, spinach, bagged salad, eggs, and other products, and outbreaks of e-coli, salmonella and other contaminants. The bottom line: With an increasingly globalized network of growers, manufacturers, packers and distributors, the supply chain is more complex than ever.

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Tags: Business Insurance


Small business insurance: What should you have?

June 29 , 2017

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Own a small business? Then you know it’s a juggling act. In addition to sales and growth, you have to protect your investment from potential exposures. Because there’s so much on the line, having the right business insurance protection is crucial.

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Tags: Business Insurance


Are you making these five costly business insurance mistakes?

May 18 , 2017

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When you run a business, smart risk management is always your best defense against loss. Unfortunately, many business owners make costly mistakes – and find out too late they’re not covered. Here are five of the most common mistakes businesses make with their commercial insurance coverage:

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Tags: Business Insurance


Could your bottom line benefit from proactive claims advocacy?

April 19 , 2017

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Let’s be honest, most business owners would rather not have to contend with filing and managing insurance claims. Whether it’s a workers’ compensation claim, a large property loss claim or a sticky liability lawsuit, the process can be tedious to say the least.

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Tags: Business Insurance


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