Author: Chris Gonzalez

By Sue Quimby, CPCU, AU, CIC, CPIW, DAE Asbestos is a group of naturally occurring minerals. Mined since the 1800’s, asbestos was long prized for its fire resistance, durability and ability to insulate. Unfortunately, it is also a powerful carcinogen, linked to mesothelioma and other lung cancers. Asbestos-related lawsuits have bankrupted hundreds of companies. Helping… Read more »

Over 1.9 million US businesses sell their wares on Amazon. In 2019, 58% of Amazon’s total sales were thanks to small and medium-sized businesses. Today, that number must have increased, due to the lockdown imposed by the global pandemic. Small businesses saw a growth of over 50% Y-o-Y on the platform. The number of small… Read more »

Does your small business accept digital payments? Do you use mobile devices for your work? How about computers? If you’ve answered ‘yes’ to any of these questions, you may be vulnerable to a cyber-attack. If you’re a small to medium-sized business, you’re even more vulnerable. The National Cyber Security Alliance found that 70% of all… Read more »

By Sue Quimby, CPCU, AU, CIC, CPIW, DAE Proper building valuation is a common concern for agents and their insureds. Proper valuation is important both when issuing the policy to determine the correct premium for the exposure, and at the time of the loss so there is enough coverage to restore the property to its… Read more »

Cash flow management questions keep cropping up for small businesses. It’s a fact of life that many small businesses fail to keep enough cash reserves. This hurts them when it comes to dealing with emergencies and unanticipated problems. Many small businesses also do not pay much heed to cash flow projections. Due to this lack… Read more »

By Sue Quimby, CPCU, AU, CIC, CPIW, DAE Having a roof over your head is one of life’s basic necessities. While essential, a roof can also be the cause of claims and problems. The roof is often the first defense against the elements, and a key to the structural integrity of the entire building. Regular… Read more »

Small businesses often tend to ignore the need for insurance due to the associated cost of insurance or a misleading belief in the low probability of major risks impacting their organizations. However, this misplaced confidence can have catastrophic repercussions for small businesses. It is essential to cover and protect all business assets with the appropriate… Read more »

Various internal and external sources of risks can cause significant damage to business operations. One significant investment businesses incur is real estate. The office or other buildings that are key to business operations have a large share of sunk investments. In businesses like real estate or property development, the commercial building itself is the business!… Read more »

The United States is the largest tech market globally with presumed market size of $1.6 Trillion in 2019. Disruption is a fact of life here and startups come and go at a dizzying pace. In fact, the industry has the highest failure rate too, estimated at 63% in 2018. So, for those looking to enter… Read more »

The images linger in our memory of the streets of Dallas covered in snow after a raging winter storm slammed the city. Images of snowed-in shops and stark-white streets filled the news only a few weeks ago. Reports say that this year’s winter storm could be the most expensive weather event in all of Texan… Read more »