What 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...

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The 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...

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Why 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...

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What 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”....

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How 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...

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3 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...

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Some 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...

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What 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...

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Does 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,...

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What 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...

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What 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...

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Renting 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...

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What 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...

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A 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...

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How 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...

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How 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 Read more

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...

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Just 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...

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How 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...

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5 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...

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10 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...

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Do 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...

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How 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...

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How 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...

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What 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)...

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How 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,...

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Top 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...

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Why 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...

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Home 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....

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My 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...

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5 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...

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The 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...

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This 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...

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What’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...

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5 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...

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Our 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...

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Have 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...

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5 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...

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Why 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...

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Yes - 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...

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Some 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...

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How 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...

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9 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...

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What 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...

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Should 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...

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5 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...

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5 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...

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The 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,...

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What 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...

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All 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...

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What 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...

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5 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...

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How 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...

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Know 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,...

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All 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...

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All 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...

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5 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...

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Is 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...

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Why '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,...

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The 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."...

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Flooding 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...

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Chris 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...

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Chris 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...

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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...

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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,...

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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...

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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...

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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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