HARDWARE

A term used to describe the mechanical, electrical and electronic elements of a data processing system.

HAZARD INSURANCE

Insurance required showing lender as loss payee covering certain risks on real and personal property used for securing loans.

HUBZone

Historically Underutilized Business Zones - Through the HUBzone Empowerment Contracting program federal contracting opportunities are provided for qualified small businesses located in distressed areas. Fostering the growth of these federal contractors as viable businesses, for the long term, helps to empower communities, create jobs, and attract private investment.  

HELP DESK

SBA maintains an Answer Desk staffed with multi-lingual personnel. You may either call them free or send an e-mail.  

HANDICAPPED

A term often used synonymously with "Disabled" to indicate individuals whose physically or mental abilities prevent them from fully function in normal activities. The Americans with Disabilities Act (ADA) gives federal civil rights protections to individuals with disabilities similar to those provided to individuals on the basis of race, color, sex, national origin, age, and religion. It guarantees equal opportunity for individuals with disabilities in public accommodations, employment, transportation, State and local government services, and telecommunications.