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Straight From The Source Blog by Higginbotham Insurance


Global risk: Do I need specific coverage for my overseas business?

September 12 , 2019

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Business is becoming increasingly global. This can lead to new opportunities, but it can also complicate risk management. If you operate an overseas business, you need to make sure it’s protected with the right insurance.

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Tags: Business Insurance


Protect your accounts receivable with trade credit insurance

August 14 , 2019

GettyImages-invoice v8Extending credit to your clients isn’t just a nice perk, it’s expected in today’s business climate. Credit not only enhances the purchasing power of your customer base, it can also attract prospects that may not have otherwise been able to buy from you.

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Tags: Business Insurance


Understanding commercial property insurance deductibles

July 24 , 2019

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Your commercial property insurance policy likely includes a deductible. If you file a claim, the deductible is the amount you will have to pay out of pocket before the insurance company pays. While deductibles are seen in many types of insurance, from health to auto, they can work a little differently in commercial property policies.

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Tags: Business Insurance


10 tips to get the best commercial auto insurance

June 19 , 2019

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The road is a dangerous place. And if driving is an essential part of your business, you have special risks that many other businesses don’t. Your whole operation can be at the mercy of poor road conditions, heavy traffic, foul weather and crazy drivers. When you add uninsured drivers, vandalism and a litigious culture into the mix, the risks and potential costs only escalate.

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Tags: Business Insurance


How catastrophes impact building costs

May 08 , 2019

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Rebuilding after a catastrophe is always an expensive endeavor. Exactly how expensive, however, depends on current building costs, and that depends on a number of other factors. Although you might not think about construction costs often, if your home or business is destroyed in a natural disaster, the issue could become very relevant.

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Tags: Business Insurance


Which flood insurance is the best option for your business?

April 17 , 2019

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“Everything’s bigger in Texas,” and that certainly applies to flooding. Texas has some of the largest storms in the world, and flooding occurs regularly, with severe and destructive floods occurring somewhere in the state every year.

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Tags: Business Insurance


Non-owned and hired auto exposures

April 03 , 2019

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Your company doesn’t have to own a vehicle to be held legally and financially responsible for any accidents it’s involved in. If your employees are using a car that they own or that is rented, and they cause property damage or injuries, your company could be sued. This is why you need non-owned and hired auto insurance.

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Tags: Business Insurance


EPL Insurance in the #MeToo Era

March 21 , 2019

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Does sexual harassment occur in your company? Don’t dismiss the idea too quickly. According to the 2018 Hiscox Workplace Harassment Study, one in three workers has experienced harassment. And because harassment often goes unreported – 40 percent of respondents said they hadn’t reported the harassment to either the company or the police – managers may be unaware of just how widespread the problem really is.

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Tags: Business Insurance


Coinsurance case in point: two owners, two outcomes

February 21 , 2019

 

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Tags: Business Insurance


Am I protected when serving on a nonprofit board?

January 30 , 2019

GettyImages-Nonprofit Check PresentationYou’ve been asked to serve on the board of a nonprofit. You’re happy to contribute to an organization that serves such a great purpose, but you’re also worried. If anything goes wrong, will you be protected? It’s not the sort of concern you want to dismiss. If you’re serving on a nonprofit board, take time to understand the risks involved.

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Tags: Business Insurance


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