Why Higher Liability Limits Are Better Than Lower?
January 13, 2021 / Company Blog
Some risks cannot be measured, and the only apt strategy is to be prepared all the same.
When talking about business...
Read moreSmall Business Insurance Is About More Than Damage Management
December 28, 2020 / Company Blog
In 2017, about Read more
What Landlords Must Know About ‘Discrimination Claims’
December 28, 2020 / Company Blog
Being a landlord is not easy!
Besides ensuring tenants are available and that they pay the rent on time and that the property...
Read moreWhy Food Trucks Must Have Insurance On The Menu
December 28, 2020 / Company Blog
The pandemic has hit every industry, more or less. But the maximum damage was probably suffered by the restaurant and hospitality sector, including food trucks.
The digital-driven market is ever-expanding and will continue to do so. It will not be wrong to say that the pandemic would have had devastating effects on the human psyche,...
Read moreHO1 to HO8 - All the Flavors of Home Insurance Out There
December 4, 2020 / Insights from Chris
Owning your own house is central to the American Dream is to. After struggling and striving...
Read moreCan Insurance Help Small Businesses Grow?
December 4, 2020 / Company Blog
“Don’t be afraid to give up the good to go for the great.” – John D. Rockefeller, industrialist and philanthropist
Are...
Read moreInsurance Has An Unexpected Seat At The Thanksgiving Table
November 20, 2020 / Company Blog
We don’t mean to spread doom and gloom but the way 2020 has gone, it’s a good idea to be prepared at all times.
No one...
Read moreWinter Is Coming - Is Your Insurance In Place?
November 5, 2020 / Company Blog
Winter storms caused insured losses of $2.1 billion ...
Read moreWhat Auto Repair Shops Must Know About Insurance
October 31, 2020 / Company Blog
The more vehicles that are registered, the more demand there will be for maintenance and repair services. But as an auto repair shop owner, one must be aware of the risks to overcome...
Read moreWhat Small Businesses Want From Their Insurance Provider
October 27, 2020 / Insights from Chris
About 99.9% of...
Read moreHow Can A Small Business Evaluate A Recommended Insurance Package?
October 23, 2020 / Company Blog
There is no denying that investing in a suitable insurance package will never go waste.
About Read more
Your Employment Practices Liability Insurance Primer
October 10, 2020 / Company Blog
Running a business is risky, no doubt, but the risks are not only in market conditions.
As a business owner, you should...
Read moreWhat Small Businesses Must Know About Environmental And Pollution Coverage
September 21, 2020 / Company Blog
Awareness of the environmental responsibility of businesses is increasing, thanks to the efforts of industry leaders and influencers. The social and environmentally responsible...
Read moreThe Quick Guide To Buying Suitable ‘Retail Store Insurance’
September 16, 2020 / Company Blog
The US economy has an important dependence on retail business, and the entire country realized this fact over the last few months. As retail establishments started slowly emerging...
Read moreWhy I Am Still Undecided About Automakers and Auto Dealers Offering Insurance
September 9, 2020 / Insights from Chris
Auto insurance is one of the most profitable sectors of the insurance industry. Every car owner in the US needs to pay an average cost of $1,099 annually to secure his personal or commercial vehicle, as...
Read moreWhat Is Forcing Insurance Companies And Carriers To Innovate Furiously Now
August 27, 2020 / Insights from Chris
Just like many other sectors, the pandemic has brought serious changes to the way the insurance industry functions, forcing them to innovate rapidly to get aligned with the so-called “new normal”....
Read moreHow Our Experience Makes Us Draw Up Much Better Condo Insurance Policies
August 21, 2020 / Company Blog
There’s no denying that a lot of confusion exists regarding condo insurance policies. Sadly, these are often misinterpreted by unit dwellers, as well as property managers. But...
Read more3 Essential Coverages We Recommend To All Apartment Building Owners
August 12, 2020 / Company Blog
Building owners in the US, whether they own apartment complexes or single buildings, face several financial and other risks that can be reduced by insurance coverages. According...
Read moreSome New Risks Retail Businesses Are Likely To Face In The Post-COVID Future
August 5, 2020 / Insights from Chris
As with any other sector, the retail world has been going through a series of interesting changes during the COVID-19 pandemic. Most of the brick-and-mortar stores were closed during the lockdowns that...
Read moreWhat Insurers Don’t Know About The Trials And Tribulations Of Owning Property
July 31, 2020 / Company Blog
We buy a property to dwell in with your family, or for commercial benefit. Either way, we have to take care of the financial and other risks pre and post-purchase to make the most...
Read moreDoes Anything Change In Your Home Insurance While Working From Home?
July 24, 2020 / Insights from Chris
The Covid-19 pandemic has, at last, established the remote working trend that was gaining traction among US companies only gradually in recent years. According to an analysis by Riverbed,...
Read moreWhat Small Businesses Must Know About “Business Interruption Insurance”
July 20, 2020 / Company Blog
What happens if your work location gets damaged due to a hurricane or a fire? Your building insurance will cover for the damages, of course, but what about the disruption in business...
Read moreWhat Are Some Insurance Considerations For Service-Oriented Businesses?
July 10, 2020 / Company Blog
Americans are extremely aware of the importance of insurance in their lives and businesses. According to a report by Read more
What I Have Heard About The Role Of Artificial Intelligence In Insurance
July 2, 2020 / Insights from Chris
Artificial Intelligence, or AI, is said to be changing the world, as we know it. From processing huge chunks of data to enhancing memory capacity and cloud computing, AI is everywhere now. AI is being...
Read moreRenting Out Your Building? Here Are Some Insurance Questions To Consider
June 29, 2020 / Insights from Chris
When you’re renting out a property (or properties) you should consider several things at once, and insurance is an important factor. While many landlords are under the assumption that the basic landlord’s...
Read moreWhat Commercial Building Owners Must Know About WFH And The Possible Impact On Them
June 18, 2020 / Insights from Chris
Remote working has never been this popular before. The COVID-19 pandemic and the nationwide lockdown that followed to ensure social distancing has driven a remote working boom. According to a report...
Read moreA Few Areas To Explore To Reduce Your Insurance Premium
June 8, 2020 / Insights from Chris
There’s no denying that insurance is an important investment for every US citizen, who owns a car, or a property, runs a business, or simply wants to secure his/her financial future. According to the...
Read moreHow To Decide On The Best Time To Buy Insurance
June 1, 2020 / Insights from Chris
Insurance is a massive business. The net value of insurance premiums stood at $1.22 trillion in 2018, according to a report by the Insurance...
Read moreHow To Know If Your Insurance Agency Is Right For You
May 26, 2020 / Insights from Chris
In the risk-prone world of today, insurance is a key investment to make in life, as well as business. Of course, this is acknowledged wisdom and the numbers show that too. According to a report by
5 Examples To Demonstrate The Great Value Of Insurance
May 13, 2020 / Company Blog
The insurance industry in the US has always been pivotal to consistent economic growth. According to Read more
How To Decide The Amount Of Coverage You Should Purchase
May 12, 2020 / Company Blog
Insurance is a silent promise to cover your losses during an unplanned crisis when your savings or other financial means aren’t enough for the same. You can also purchase insurance...
Read moreJust What Should You Cover With ‘Valuable Property’ Insurance?
April 27, 2020 / Company Blog
Have you ever faced a situation where you misplace or damage a valuable item in your possession, only to find out that it’s not covered in your homeowner’s policy? God forbid...
Read moreHow Commercial Property Insurance Will Change If Remote Working Becomes Common
April 25, 2020 / Insights from Chris
Most large-scale enterprises and many small to medium business owners have resorted to remote working, as offices have shut down owing to the COVID-19 situation. This has led to a major upheaval in the...
Read more5 Best Insurance Practices That Always Benefit Small Businesses
April 20, 2020 / Insights from Chris
The risks of starting a new business can’t be avoided, but they can always be offset with meticulous planning and effective implementation. You have to take care of the little details and make sure you...
Read more10 Things You Should Know About Workers’ Compensation Coverage
April 19, 2020 / Company Blog
Being a business owner, you must already be aware of the importance of different insurance types, some of which may be mandatory in your state. In difficult times, a successful...
Read moreDo You Need Insurance if Your Equipment Is Covered By A Warranty?
April 2, 2020 / Company Blog
Companies rely on many tools and equipment to run seamlessly and generate revenue continuously. In that scenario, one of the primary responsibilities of the business owners is...
Read moreHow Commercial Auto Insurance Will Change In the Age of Smart Cars
April 2, 2020 / Insights from Chris
Automobiles are brilliant inventions of the modern age. There’s no doubt about it. But, in the wrong hands, they can turn out to be the worst. According to a report by Driver...
Read moreHow To Maximize The Chances of Your Claims Getting Approved
March 14, 2020 / Company Blog
Although accidents are rare, they are a part of the game, which is why we have insurance. Whether it’s a burglary on a night you weren’t at home, a sudden illness, or a random...
Read moreWhat Small Businesses Should Do To Combat Any Impact of The Coronavirus
March 10, 2020 / Company Blog
The global chaos that the coronavirus seems to be generating, not only affects public health but also small businesses. The situation in the USA is still fluid (and confusing)...
Read moreHow Insurance Premiums Get Affected By The Stuff In the Headlines
February 17, 2020 / Insights from Chris
Do you know that the coronavirus outbreak has not only affected the health of many thousands of people but also hundreds of businesses worldwide? Numerous Small to Medium Sized Businesses,...
Read moreTop 6 Reasons Small Businesses Should Get Insurance
February 15, 2020 / Company Blog
Driving even a small business requires a lot of planning and preparation, whether it’s delivering skilled services or selling goods through a physical storefront. As the business...
Read moreWhy I Don't Think Technology Will Transform Insurance For Consumers
January 26, 2020 / Insights from Chris
According to data from the National Association of Insurance Commissioners based on approximately 195,669 annual customer complaints, the biggest bones that customers had to pick with insurance companies...
Read moreHome business owners must know this about insurance.
January 19, 2020 / Company Blog
Unfortunately, home-based business insurance is often neglected. Numerous people own their own homes and expect that their home insurance will cover their home-based businesses....
Read moreMy Definition Of Customer Service For An Insurance Business
January 18, 2020 / Insights from Chris
When you're in the insurance business, you talk a lot about customer service. Unfortunately, the insurance industry has earned itself a certain reputation of being cold and heartless folks who are always...
Read more5 risks your small business may not be insured against
December 30, 2019 / Company Blog
Small businesses are unique in various ways. Risk-taking is inherent in entrepreneurship. But as they say, taking too many risks can be costly. Small business owners must be aware...
Read moreThe insurance implications of our winter
December 20, 2019 / Company Blog
The cold winters bring in a unique set of difficulties. While this is true for all of us, there is a special challenge for small businesses that depend on their ability to sell...
Read moreThis is what our customers say they love about Gonzalez Insurance
December 12, 2019 / Insights from Chris
Every individual has different needs and goals. So does every small business. They are all unique and very specific. Your needs and goals WILL be different from mine. In fact, even if both of us...
Read moreWhat’s the difference between a homeowner’s policy and condo insurance?
December 8, 2019 / Insights from Chris
Getting insurance is kind of like choosing the coffee you want from among the plethora of options at Starbucks – except it’s ok to order something different from Starbucks. With insurance, you have...
Read more5 insurance decisions for your small business your agency should help you make
November 29, 2019 / Insights from Chris
Sure, I’m willing to agree that purchasing an insurance policy can be a frustrating process. I can imagine business owners struggling to find the right policies and cover. I know the feeling that you...
Read moreOur key takeaways from Forrester’s “Emerging Risks Transform Small Business Insurance.”
November 28, 2019 / Company Blog
The 21st century has seen rapid technological progression at unmatched speed. A considerable part of human life has been digitized. This has changed practically every industry...
Read moreHave you considered the insurance implications of working with contractors?
November 20, 2019 / Insights from Chris
You are probably already aware of the California Assembly Bill 5 (AB5) or what is popularly called the gig worker bill. The bill, passed by the California legislature, requires companies that hire independent...
Read more5 Questions You Must Ask Yourself Before Buying Insurance for you and your family
November 8, 2019 / Insights from Chris
Have you ever woken up suddenly in the middle of the night worrying about the future? Most of us have done that, and it’s a sign. It’s a sign that you must consider doing something to safeguard...
Read moreWhy that big brand insurance might not be right for you
November 1, 2019 / Company Blog
Contrary to popular belief, the best insurance, whether it's for your home or your small business, is not the one that's the most expensive but rather the one that provides cover...
Read moreYes - Even your passion project needs insurance
October 27, 2019 / Insights from Chris
Are you an artisan of some sort in your free time? Does your passion lie in creating and selling beautiful craft? Or do you simply love collecting and trading things, for the sake of art or as a passion...
Read moreSome Thoughts On The Insurance Needs Of Small Restaurants and Bakeries
October 27, 2019 / Company Blog
Building a business requires a lot of determination, hard work, and some luck as you take steps in the right direction. When planning to open a new food business, be it a restaurant...
Read moreHow should a small business choose an insurance agency?
October 20, 2019 / Insights from Chris
Sadly, consumers have minimal trust in insurance companies. Don’t believe me? Here’s what Accenture and Deloitte...
Read more9 insurance terms and what they mean (small business edition)
October 20, 2019 / Company Blog
Starting a business involves risk. But when something unexpected happens, having business insurance can be the difference between your business surviving or going under.
There are numerous challenges involved in running a pharmacy business. Distributing medicines and drugs carries some risk. A minute mistake can result in health issues for the...
Read moreWhat is umbrella insurance? Why you should care!
October 6, 2019 / Company Blog
Umbrella insurance is secondary insurance coverage that covers liability over and above the standard liability cover taken on other policies like the homeowner or other small business...
Read moreShould you buy insurance for your small business online?
September 24, 2019 / Insights from Chris
Online insurance sales are booming! Today, many small businesses prefer to skip the agent conversation and buy insurance directly online. As Peter Breitstone, former EVP, sales, programs, and facilities...
Read more5 things your home insurance probably doesn’t cover
August 13, 2019 / Company Blog
When it comes to insurance, people often shy away from getting down to the fine print and details because they assume that it is a tedious and cumbersome process. While reading...
Read more5 tricky questions about insurance in the digital age
August 2, 2019 / Insights from Chris
While the world is going through a digital transformation in every industry, the way we deal with life and business must also evolve. The wave of Digital Transformation has enabled us to do so much so...
Read moreThe most common reasons why your car insurance claim may get rejected
July 28, 2019 / Company Blog
In 2016, there were well over 268 million registered vehicles and over 220 million licensed drivers on US roads. Out of these, several hundred thousand got into crashes. In 2016 alone,...
Read moreWhat the hurricane season means to insurance
July 23, 2019 / Company Blog
With Barry just blowing itself out and as many as 8 hurricanes forecast for 2019, hurricane season is obviously a big deal for all of us on the East Coast. With major systems of...
Read moreAll the insurance your property needs
July 23, 2019 / Insights from Chris
Not to be confused with Homeowners Insurance, the purpose of Property Insurance is to protect the home structure from natural disasters (usually barring earthquakes and floods). If you own the property...
Read moreWhat should small businesses should insure themselves against?
June 29, 2019 / Insights from Chris
Is insurance for you, as a small business, even more important than mid-sized to large businesses? Well, if something goes wrong, you may not have the resources or resilience to bounce back. If you are...
Read more5 most common complaints homeowners have with insurance companies
June 29, 2019 / Company Blog
Ok, we admit. Insurance is tough to like or appreciate for most people. It's not something you may necessarily want to spend on, especially regularly. But on the other hand, if...
Read moreHow to prevent the most common water claim issues?
June 16, 2019 / Company Blog
Did you know that according to ISO, water damage claims are the second largest and most frequent claim? It's also one of the most expensive claims. Water damage is bad news and...
Read moreKnow More about Employment Practices Liability and Why You May Need It?
June 3, 2019 / Company Blog
Employment practices liability is a type of insurance that renders coverage to employers against claims made by employees alleging harassment, wrongful termination, discrimination,...
Read moreAll You Need to Know about Insurance and Tax
May 31, 2019 / Company Blog
Life is unpredictable. One moment everything could be smooth-sailing but everything could fall apart the next moment. And while we can’t avoid such situations, we can safeguard...
Read moreAll the insurance a condo could need
May 30, 2019 / Company Blog
Thinking about getting your condo insured? We've got you Read more
5 things you must fully understand about your homeowner’s insurance policy
May 19, 2019 / Company Blog
Insurance is security. It allows you to secure what matters such as assets, finances, health, and even your loved ones. Insurance companies offer you the coverage that protects...
Read more5 Things to consider when it’s time to renew your insurance policy
May 2, 2019 / Company Blog
While renewing your insurance may seem like a fairly straightforward process, and it usually is, there are definitely some complexities to factor in. Read on to know more!
Buying a home is a significant milestone in the life of most people. It's probably the most substantial sum of money most of us invest. However, with this blissful feeling also...
Read moreIs Your Business Insured Against Future Challenges?
April 24, 2019 / Insights from Chris
From the day you start your business, you expose yourself to risks. Think of lawsuits, natural calamities or employee behavior -all these can wreak havoc on your business operations. Being unprepared can...
Read moreWhy 'Business Income Coverage' may be the most important insurance coverage you haven't considered yet (but you must!)
April 15, 2019 / Company Blog
You probably know that business income is the net income that includes your net profit or loss before calculating the taxes. You would factor in all your revenues on one side and,...
Read moreThe Hidden Deductible You Need to Know About
February 11, 2019 / Insights from Chris
If you look at your homeowners’ policy, you may see an additional deductible. You probably didn't notice when you signed up. It's listed as a "2% wind deductible."...
Read moreFlooding Can Occur Anywhere - Are you Prepared?
March 10, 2017 / Insights from Chris
During Hurricane Sandy, over 1.58 million claims were filed to cover the costs of damage to homes, commercial businesses, and other property. 1.58 million is hard to picture, so let’s just take a...
Read moreChris Gonzalez earns the CHARTERED FINANCIAL CONSULTANT® (ChFC®) DESIGNATION, FINANCIAL PLANNING’S HIGHEST STANDARD
September 21, 2016 / Insights from Chris
North Bergen, NJ – September 20, 2016 – [Chris Gonzalez, Gonzalez & Company Insurance Agency, Inc.] has earned the Chartered Financial Consultant® (ChFC®) professional designation...
Read moreChris Gonzalez Earns Certified Risk Manager (CRM) Designation
August 11, 2016 / Insights from Chris
North Bergen, NJ – August 2016 Certified Risk Managers International recently conferred the designation of Certified Risk Manager (CRM) on a select number of individuals who completed...
Read more
You Need to Know: the Liability Limit Code
November 16, 2015 / Insights from Chris
We know – auto insurance policies often seem like gibberish, but understanding the liability limit code can mean the difference between paying for everything out of pocket, and standing back while your...
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Got Vacancy? Your Policy Might Be Void
August 19, 2015 / Insights from Chris
We’ve recently heard of several cases where a building owner suddenly found their insurance policy was null and void – all because they hadn’t looked closely at an important clause that states a...
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Why You Should Take the Insurance the Rental Car Company Offers
August 19, 2015 / Insights from Chris
You’re probably already shaking your head ‘no.’ You’re on vacation. You’re already spending too much money. Every travel article tells you that the rental car insurance is an unnecessary add-on,...
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Avoid Insurance Suspension – Learn About Protective Safeguard Endorsements
August 19, 2015 / Insights from Chris
We spend a lot of time warning our clients about aspects of their policy that could render certain coverages unviable. Today, we’re going to talk about a clause that could suspend your entire policy...
Read more
The 14 Most Common Mistakes People Make Shopping for Homeowners Insurance
August 19, 2015 / Insights from Chris
We’ve been in the business a long time, and we’ve seen people make every mistake under the sun when buying homeowners insurance. We do our best to advise our clients to avoid these common pitfalls,...
Read more
Flooding Can Occur Anywhere – Are You Prepared?
June 30, 2015 / Company Blog
During Hurricane Sandy, over 1.58 million claims were filed to cover the costs of damage to homes, commercial businesses, and other property. 1.58 million is hard to picture, so let’s just take a...
Read more
The Often-Misunderstood Insurance Clause That Could Cost You $20,000 (Or More)
June 30, 2015 / Company Blog
The co-insurance clause in your building policy is one of the most misunderstood features among apartment building owners – and not understanding it could cost you tens of thousands of dollars. This...
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Tenant Discrimination – What CAN’T You Be Sued For?
June 30, 2015 / Company Blog
Unfortunately, the answer is: pretty much nothing. Most landlords are completely unaware that they can be sued for a variety of “discrimination claims,” many of which will be without any basis in...
Read more
Building Ordinance Coverage – What It Is and Why You Need It
June 30, 2015 / Company Blog
Let’s say you own a property that suffered extreme damage – enough that you’re going to need to rebuild or at least repair extensively. (We hope this doesn’t happen, but unexpected catastrophes...
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