A Primer On Commercial Auto Insurance

October 22, 2021 / Company Blog

The commercial auto insurance market size in the United States stands at USD...

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The Evolving Commercial Real Estate and What It Means for Insurance

October 12, 2021 / Insights from Chris

The pandemic has seen many industries take a hit, while others found new opportunities. The realm of commercial real estate experienced that as well. In the USA, large sections of the population are working...

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Here's Some Help For First Time Homeowners to Understand Home Insurance

October 12, 2021 / Company Blog

31% of all homebuyers in the United States were first-time homeowners in 2020. However,...

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Insurance Considerations For Fall 2021

September 28, 2021 / Company Blog

Summer is officially behind us, and fall awaits. Strange as it may seem, the change in the seasons does impact insurance claim categories and their respective frequencies. Getting...

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Understanding Restaurant Cooking Exposures

September 24, 2021 / Company Blog

By Sue Quimby, CPCU, AU, CIC, CPIW, DAE

According to the National Fire Protection Association (NFPA), cooking is the...

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What Small Businesses Must Know About Unemployment Insurance

September 20, 2021 / Company Blog

The United States has 30.7 million small businesses that employ a massive portion of the entire working population....

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September 10, 2021 / Company Blog

by Sue Quimby, CPCU, AU, CIC, CPIW, DAE

The COVID-19 pandemic changed the world in many ways, especially in the ways people...

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Is Technology Changing How Customers and Insurance Advisers Engage?

September 9, 2021 / Insights from Chris

The pandemic pushed technology to the forefront. 10 years ago, it would be considered a novelty to discuss topics as complex and important as insurance without meeting. But today, insurance agents and...

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Demystifying Flood Insurance

September 8, 2021 / Company Blog

The past week has seen devastating floods wreaking havoc here in New Jersey and New York. The president has had to direct federal aid after the deadly flooding that has left more...

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The ABC’s of Portable Fire Extinguishers

September 3, 2021 / Company Blog

By Sue Quimby, CPCU, AU, CIC, CPIW, DAE

Everyone knows that fire extinguishers are a “must have” item in homes...

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Sinkholes – Are They Covered?

August 30, 2021 / Company Blog

By Sue Quimby, CPCU, AU, CIC, CPIW, DAE

Twenty percent of the land in the United States is susceptible to sinkholes,...

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Exactly What Is And Isn't Covered By Your Car Insurance?

August 23, 2021 / Company Blog

91.3% of households in the United States have access to at least one vehicle. The rate of car...

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Secondary Residences Surge

August 20, 2021 / Company Blog

By Sue C. Quimby, CPCU, AU, CIC, CPIW, DAE

The pandemic of 2020 was marked with significant changes to how people thought about...

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Why Some Believe It's Too Late To Take Life Insurance And Why They're Wrong

August 16, 2021 / Company Blog

When to buy insurance can sometimes prove a tricky question to answer. Small businesses have different...

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Portable and Supplemental Heater Safety

August 13, 2021 / Company Blog

By Sue Quimby, CPCU, AU, CIC, CPIW, DAE

As temperatures fall, the demand for and use of supplemental heating sources...

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An Introduction to Hold Harmless and Indemnity Agreements

August 10, 2021 / Company Blog

Transfer of risk is a key component of most contracts. “Indemnify” and “hold harmless” are terms that are commonly seen, and often misunderstood, in contractual agreements....

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How Local Conditions Impact Home Insurance Premiums

August 9, 2021 / Company Blog

Marty has just purchased his dream home. It took him a long time to save up and get it done. Marty feels good being a homeowner – but he needs to be a responsible one. Thus,...

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Retail Store Insurance May Have Become A Bit More Complicated

August 6, 2021 / Company Blog

Retail sales in the United States went up by 6.7% in 2020 despite the ongoing public health emergency. The...

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Home Appliances – Helps or Hazards?

July 30, 2021 / Company Blog

By Sue Quimby, CPCU, AU, CIC, CPIW, DAE

Home appliances have drastically changed how people live over the last century....

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What Is Business Interruption Coverage?

July 29, 2021 / Company Blog

Dan had just opened up a shop of his own. He had taken a loan from the bank to open up the shop of his dreams. But none could have predicted that the next few months spelled disaster....

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Equipment Breakdown – Not Just Boilers

July 23, 2021 / Company Blog

By Sue Quimby, CPCU, AU, CIC, CPIW, DAE

Equipment breakdown coverage, an often misunderstood coverage, can be an attractive...

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Insurance Questions for A Long Hot Summer

July 21, 2021 / Company Blog

Summer can be so much fun – but it can be risky business too! Along with the heat, this season brings myriad activities and purchases that ought to have their protection. But...

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How Small Businesses Can Prepare For The Post-COVID Reopening

July 20, 2021 / Company Blog

The impact of the Covid-19 pandemic varied from one industry to the other. The United States, India, and Brazil are the top countries worst hit by the pandemic in terms of the...

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Dog Bite Liability

July 16, 2021 / Company Blog

By Sue Quimby, CPCU, AU, CIC, CPIW, DAE

Dog bites or dog-related costs were responsible for more than one-third of...

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Do Different Insurance Considerations Apply With Remote Employees?

July 14, 2021 / Company Blog

Technology has enabled a significant change in work cultures and models driven by the exigencies of our times. Before the pandemic, 20%...

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Deciphering Debris Removal Coverage

July 9, 2021 / Company Blog

By Sue Quimby, CPCU, AU, CIC, CPIW, DAE

Debris removal coverage is an often overlooked, but very important, segment...

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Condominium Conundrums

July 2, 2021 / Company Blog

By Sue Quimby, CPCU, AU, CIC, CPIW, DAE

Condominiums present special challenges to the insurance agent. Common questions...

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Business Income Fundamentals

June 25, 2021 / Company Blog

What Every Insurance Professional Needs to Know and Share with Policyholders

By Sue Quimby, CPCU,...

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Avoiding Underinsurance Problems

June 18, 2021 / Company Blog

By Sue Quimby, CPCU, AU, CIC, CPIW, DAE

Most losses are partial losses. It may be tempting for an insured to try to...

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5 Insurance Myths Small Businesses Need To Stop Believing In Now

June 16, 2021 / Insights from Chris

64% of all new jobs in the United States come from small businesses. 31.7 million small businesses are registered in the US and these create 1.5 million jobs. Around 15 million Americans work full-time...

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What Is A Micro Business (And Does It Need Insurance)?

June 15, 2021 / Company Blog

The most common way to define a micro business is through the number of employees in the organization. A business with 1...

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Asbestos: What You Should Know

June 11, 2021 / Company Blog

By Sue Quimby, CPCU, AU, CIC, CPIW, DAE

Asbestos is a group of naturally occurring minerals. Mined since the 1800’s,...

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A Note for the Small Businesses Killing It as Amazon Sellers

June 10, 2021 / Company Blog

Why Cyber Security Insurance is Essential for Small Businesses

June 8, 2021 / Company Blog

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...

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Alternate Valuation Considerations

June 4, 2021 / Company Blog

By Sue Quimby, CPCU, AU, CIC, CPIW, DAE

Proper building valuation is a common concern for agents and their insureds....

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Some Cash Flow Management Tips For Small Businesses

June 3, 2021 / Company Blog

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...

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Here’s What You Should Expect If You Don’t Insure Your Small Business

May 27, 2021 / Insights from Chris

It can be expensive to leave out insuring your small business if you’re an entrepreneur or small business owner. Courts usually rule in favor of the customers and public opinion tends to be partial towards...

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A Roof Over Your Head

May 27, 2021 / Company Blog

By Sue Quimby, CPCU, AU, CIC, CPIW, DAE

Having a roof over your head is one of life’s basic necessities. While essential,...

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A Liability Insurance Primer for Small Businesses

April 27, 2021 / Company Blog

Small businesses often tend to ignore the need for insurance due to the...

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What Commercial Building Owners must look for in their Insurance Providers?

April 19, 2021 / Company Blog

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...

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Why Local Knowledge is an Essential Quality for a Small Business focused Insurance Agency?

April 19, 2021 / Insights from Chris

The National Association of Insurance Commissioners says there were 5,965 insurance companies in the United States in 2019. I suspect the number may be even higher. There is massive competition with the...

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What Tech Start-ups must know about Insurance?

April 9, 2021 / Company Blog

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...

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Insurance Considerations to Focus On In Light Of The Recent Winter Storms

March 25, 2021 / Company Blog

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...

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How Small Businesses Can Build Resilience in a Post-Pandemic Age

March 25, 2021 / Insights from Chris

COVID-19 is the hardest hit we have taken in recent times. Never has the world been more united than now in fighting this persistent virus. Regardless of country and city, there has been an unprecedented...

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What Amazon's Small Merchants Must Know About Insurance

March 23, 2021 / Company Blog

Are you looking to become a professional merchant on Amazon? Then you’ll need insurance. This may come as a surprise to many but Amazon requires their sellers – big or small...

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Why Small Businesses Avoid The Insurance Question (But Shouldn’t)

March 12, 2021 / Company Blog

What is the first thing that comes to your mind when you think about business insurance? 

For many small business owners,...

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The Workers’ Compensation Questions Small Businesses Must Answer

February 19, 2021 / Company Blog

Did you know that in 2019 alone, there were 888,220...

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Understanding the Wide Scope of Employment Practices Liability Insurance

February 15, 2021 / Company Blog

We’d all like to believe that our employees reflect the scruples of our companies. Sadly, employees will sometimes conduct themselves in ways that go against corporate and even...

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The Personal Approach That Extends To Every Aspect Of Our Business

February 12, 2021 / Insights from Chris

As they say, a friend in need is a friend indeed. So, why should insurers not be seen as friends? After all, insurers are the folks with an eye on the threats looming over your business, property, or...

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Is Fraud Increasing In Worker’s Compensation And Does it matter To Your Business?

February 10, 2021 / Company Blog

According to the National Insurance Crime Bureau, fraudulent claims in worker’s compensation may amount to Read more

Taking A Look At Retail Store Insurance From Our Perspective

February 5, 2021 / Company Blog

US retail stores achieved a profit of $6 trillion in 2018. And there were about 3,100 more stores at the end of the year than in 2017. While the events of 2020 presented challenges...

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The Insurance Needs Of Small General Contractors And Home-Improvement Service Providers

February 1, 2021 / Company Blog

General contractors carry out small and large construction projects from scratch to completion. They work on building sites, single-family homes, and more complex construction...

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Home business owners must know this about insurance.

January 27, 2021 / 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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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...

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Small 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...

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Why 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,...

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HO1 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...

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Can 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


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Insurance 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...

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Winter Is Coming - Is Your Insurance In Place?

November 5, 2020 / Company Blog

Winter storms caused insured losses of $2.1 billion ...

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What 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...

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What Small Businesses Want From Their Insurance Provider

October 27, 2020 / Insights from Chris

About 99.9% of...

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How 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...

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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...

Read more

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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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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