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Straight From The Source Blog by Higginbotham Insurance


How to calculate net working capital

June 24 , 2021

Net worth blog

With access to a company’s balance sheet, net working capital can be calculated simply by subtracting current liabilities from current assets.

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Tags: Business Insurance


How to set up a warehouse

June 22 , 2021

Warehouse blog

If your business is based on products, rather than services, you need to know how to set up a warehouse. If you are a reseller, your success depends on a ready supply of the items you offer so that customer orders are fulfilled promptly.

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Tags: Business Insurance


Vacant building insurance

May 20 , 2021

Vacant building

If you have a vacant commercial property, you need vacant property insurance. Unoccupied and vacant properties are subject to many of the same risks that occupied properties are subject to. Vacant and unoccupied properties may also be vulnerable to additional risks. Maintaining the proper property insurance for unoccupied commercial properties is essential.

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Tags: Business Insurance


Office dress code do's and don'ts

May 14 , 2021

office dress code

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Tags: Business Insurance


How to write a values statement

May 04 , 2021

Mission statement blog

What is a Values Statement?

Values statements, or value statements, are the core, guiding principles of an organization; they define what a company believes in and how people in the organization are expected to behave—with each other, customers, vendors and other stakeholders.

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Tags: Business Insurance


Business continuity and risk management

April 22 , 2021

Business continuity

It’s easy to plan for good times. When everything goes as it should, you can focus on growing your business and meeting your corporate objectives. But what happens when things don’t go as planned? Maintaining business continuity through disruptions takes careful planning.

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Tags: Risk Management, Business Insurance


Is prepaid insurance an asset?

April 09 , 2021

Prepaid insurance

In a word: Yes, prepaid insurance is an asset. Anything that is owned by a company and has a future value that can be measured in money is considered an asset. This includes cash, accounts receivable, inventory, real estate, buildings, equipment, supplies, vehicles – and prepaid expenses, such as insurance premiums and prepaid rent.

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Tags: Business Insurance


What general liability insurance covers (and doesn’t cover)

March 23 , 2021

gl blog

No matter what products or services you sell, the simple act of opening for business each day exposes you to a multitude of liability risks. A customer could slip and fall in your store. One of your employees could accidentally cause damage at a customer’s home or business. Another business could sue you for defamation for speaking negatively about it in your ads.

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Tags: Business Insurance


A 20-step checklist for succession planning

March 17 , 2021

succession v2

There are many unknowns in business, but one event is guaranteed and universal: every business will have a succession, whether the incumbent retires, resigns or is removed by fortune or fate.

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Tags: Business 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


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