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Straight From The Source Blog by Higginbotham Insurance


What is premium financing for insurance?

January 21 , 2021

Blog graphic template - premium financing 3

Insurance coverage is a smart purchase. Sometimes it’s even a necessary expense. When cash flow is low, however, paying for premiums up front can present a problem. For some businesses, premium financing might be the solution.  

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Tags: Business Insurance


The fastest private jets for sale in 2020

December 15 , 2020

jet

In our fast-paced globalized world, the age-old adage of "time is money" has never rung truer. While recent advances in telecommunication have enabled remote collaboration beyond what we ever imagined possible, digital meetings often aren’t nearly as effective as communicating in person.

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Tags: Business Insurance


Why your business needs personal and advertising injury coverage

December 01 , 2020

Libel and slander

Even under the best circumstances, there’s no way to predict whether an accident or oversight involving your business will injure others or damage their property. That’s why you carry commercial general liability (CGL) coverage to protect assets and cash in the unfortunate instance that a court finds your business liable for damages to another party.

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Tags: Business Insurance


Strategic planning: how it can help organize your business

November 19 , 2020

business plan

Strategic planning is an organizational process designed to define a company's overarching mission and vision, clearly identify measurable, actionable goals and implement control mechanisms to maximize the likelihood of achieving them. 

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Tags: Business Insurance


Aggregate limits explained

November 12 , 2020

aggregate limits blog

Business insurance is one of the most integral parts of any modern organization. From natural disasters to job site injuries, theft and more, this crucial protection can spell the difference between success and failure. Most small business owners need business insurance because their personal assets are more closely aligned with their business assets.

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Tags: Business Insurance


Commercial roof limitation endorsements: what you need to know

November 05 , 2020

roof

Is your commercial roof coverage as good as you think it is? Exclusions in commercial property insurance policies are becoming very common. Here’s what you need to know about roof limitation endorsements.

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Tags: Business Insurance


Is your business prepared for an earthquake?

September 30 , 2020

earthquake damage

It’s perhaps the most instantaneously unnerving and terrifying natural event you can experience. When an earthquake strikes, there is no warning. There’s no storm track to follow. There’s no battening down the hatches. There’s no time to evacuate. And you can’t outrun it.

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Tags: Business Insurance


When a windstorm or hurricane strikes, will your property insurance provide coverage?

September 16 , 2020

hurricane blog

For businesses and homeowners alike, Hurricane Laura was yet another stark reminder of the power and fury of windstorms. With sustained winds as high as 95 mph in Lake Charles, LA, and gusts recorded as high as 150 mph in other places, Laura caused 59 deaths and nearly $9 billion in damage in Texas and Louisiana.

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Tags: Home & Auto, Business Insurance


Successful business interruption insurance and extra expense claims require preparation and proof

August 05 , 2020

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It’s one of the worst nightmare scenarios for any business owner. After pouring your sweat, soul and financial resources into building a successful business, a devastating event comes along and forces you to close your doors. It could be a fire, natural disaster, equipment failure or any one of numerous other scenarios. And, it could result in a temporary shutdown – or a permanent business failure. 

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Tags: Business Insurance


Social engineering insurance

June 24 , 2020

phishing

Why Your Business May Need Social Engineering Coverage

Most companies are aware of their ransomware and data breach exposures and the urgent need for cyber liability insurance. However, there are other exposures that exploit human nature and gaps in internal controls. Worse yet, losses caused by employee mistakes may not be covered by standard liability coverage. That’s why you may want to consider adding social engineering fraud coverage to your business insurance policy.

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Tags: Business Insurance


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