Gonzalez Blogs

How Tariffs Are Raising Construction Costs and Driving Up Insurance Too

June 4, 2025 / Company Blog

How Trump's tariffs increase construction material costs and home insurance premiums. Secure accurate rebuild coverage with Gonzalez Insurance's customized policies. Evaluate...

What Happens if You Don’t Renew Your Home Improvement Contractor License in NJ?

April 21, 2025 / Company Blog

New Jersey’s home improvement industry is undergoing a major regulatory shift. Under the updated Contractors Business Registration Act (CBRA), contractors must now adhere to...

How Day Care Centers Can Manage Risk and Keep Kids Safe with the Right Insurance

April 15, 2025 / Company Blog

It has been substantiated that child care is much more than a service; it is life support for millions of families, and it is among the very important elements of early childhood...

Protecting Your Investment: Why Your Home Improvement Contractor Needs These 3 Insurances

April 7, 2025 / Company Blog

Picture hiring a contractor to transform your kitchen into a chef's paradise or to raise the house to make it flood-resistant. Now, let's assume that a contractor's employee falls...

Why Home Improvement Contractors Must Have General Liability Insurance, Workers' Comp, and Bonds

March 31, 2025 / Company Blog

The landscape has evolved for home improvement contractors in New Jersey. The most recent changes to the Contractor Business Registration Act (CBRA)—now recast as the Home Improvement...

US 2025: Navigating Insurance Premiums Amidst Climate Disasters and Policy Shifts

March 26, 2025 / Company Blog

Every year, Congress prepares to put together the details of a Federal Budget that will guide the nation's spending priorities for the next fiscal year, that is, from October 1...

The Importance of Workers' Compensation Insurance for Home Improvement Contractors in NJ

March 24, 2025 / Company Blog

Adjustments to New Jersey's Contractors Business Registration Act (CBRA) have updated licensing standards, underlining the importance of strong safeguards. Both Home Improvement...

The Role of IoT and Telematics in Revolutionizing Auto Insurance

March 10, 2025 / Company Blog

New technologies are transforming auto insurance, as they redefine the ways in which risks are...

New Licensing Requirements for NJ Home Improvement Contractors: What You Need to Know

March 4, 2025 / Company Blog

New Jersey's licensing reforms might bring major improvements to home repair contractors regarding consumer protection and industry accountability. Under the latest regulations...

Navigating Insurance After a Natural Disaster: A Step-by-Step Guide

February 25, 2025 / Company Blog

Across the United States, natural disasters have grown in number and strength in recent years. From wildfires to hurricanes and floods, events such as these are causing communities...

Business Interruption Insurance for Restaurants - Beyond the Basics

February 12, 2025 / Company Blog

The restaurant industry depends on speed—fresh ingredients, bustling dining rooms, and seamless operations. But a catastrophic event like a fire, a machinery shutdown, or a...

The Rising Cost of Construction: How Does This Impact My Property Insurance?

February 7, 2025 / Company Blog

The construction market in the U.S. is in a very real cost spiral, which has serious implications for homeowners and property investors. A Report by Currie...

The Home Insurance Ready Reckoner - Claims and Rejections

January 27, 2025 / Company Blog

Your home is your largest investment—a sanctuary built with love and the repository of innumerable irreplaceable memories. Preventing against the unexpected is exactly what...

Workers’ Compensation Insurance - What You Must Know (And Why)

January 14, 2025 / Company Blog

When it comes to the practicalities of negotiating the various regulations that apply in even small workplaces, the landscape is like a minefield for both employer and employee....

Is Your Holiday Shopping Insured?

January 9, 2025 / Company Blog

Indeed, it's that time of the year when the atmosphere oozes with excitement and anticipation. Shoppers would be trawling through the malls or through online stores to find that...

Why Are More People Than Ever Taking Insurance, and Why Some Still Don't?

December 30, 2024 / Company Blog

What if a sudden fire in your small business drained your entire life savings—or worse, left you buried under debt? What if a freak car accident totaled your vehicle, leaving...

Why Are More People Than Ever Taking Insurance, and Why Some Still Don't?

December 30, 2024 / Insights from Chris

What if a sudden fire in your small business drained your entire life savings—or worse, left you buried under debt? What if a freak car accident totaled your vehicle, leaving you stranded and struggling...

What Every Homeowner Must Know About Fire and Insurance

December 30, 2024 / Company Blog

Owning a home is as much about achieving the American dream as it is about providing a refuge of stability and comfort. However, with ownership comes the crucial duty of securing...

Men In Bear Suits And Other Crazy Insurance Tales

December 13, 2024 / Company Blog

Crazy insurance tales have been making headlines for decades now. There seems to be no end to the capacity of humans to come up with bizarre creative solutions to secure what they...

Cybercrime - Trends, Threats, And Tech News For The Small Business Owner

December 9, 2024 / Company Blog

Many small business owners may think that they’re “too small” a business for cybercriminals to care about and that only the big fish are susceptible to cyberattacks. This...

What Causes Worker Compensation Claims to Rise (And Fall!)

December 2, 2024 / Company Blog

In a nutshell, workers’ compensation is a government-mandated program that pays out benefits to workers who are injured on the job or who fall ill because of the job. This typically...

Why So Few Americans Have Flood Insurance And Why That MUST Change

November 27, 2024 / Insights from Chris

Research shows that damage attributed to floods will see a rise of 26%...

Understanding Mortgage Insurance - What Is It And Why Is It Necessary

November 27, 2024 / Company Blog

If you are a homeowner or looking to become one, chances are you have already come across the concept of mortgage insurance. And if you haven’t it is worth understanding what...

Bright and Shiny Things - How Not To Worry About Your Jewelry All The Time

November 14, 2024 / Company Blog

Did you know that over $100 million worth of jewelry is stolen each year according to the FBI? This is exactly why it makes sense to have your jewelry insured. Losses in...

The Cold Hard Facts About Insurance In The Winter Months

October 30, 2024 / Company Blog

Did you know that winter storms can cause as much damage as hurricanes? While the wind speeds of winter storms are not as bad as cyclones, the storm fronts can be over 600 miles...

Yes! Insuring Your Home Is The Smart Thing To Do!

October 15, 2024 / Company Blog

It’s bizarre that we need to reiterate this in 2024, but with a surprising number of Americans opting out of homeowners insurance, it’s time to dig deeper. Recently, the US...

Why Fire Scares Small Business Owners

October 8, 2024 / Company Blog

It’s no secret that small business owners typically have a healthy risk appetite, but even they never mess around with fire. These are not irrational fears because a fire can...

Who’s Worried About Insurance Fraud?

October 7, 2024 / Company Blog

Did you know that insurance fraud costs the industry around...

The Small Business Owner's Handy Guide To Employment Practices Liability Insurance

October 1, 2024 / Company Blog

Employment Practices Liability Insurance is designed to safeguard small business owners from potential legal actions brought by their employees for various reasons. That includes...

What Half Of All Renters Already Know About Renters Insurance

September 12, 2024 / Company Blog

Renter’s insurance safeguards your personal property in a rented residence from unforeseen circumstances such as theft, fires, or plumbing problems, and offers protection for...

How Do You Know You Can Trust An Insurance Agency?

September 10, 2024 / Company Blog

Insurance is in place to protect individuals and businesses when things don’t go to plan. Obviously, trust is a crucial aspect that people seek in insurance companies as they...

The Numbers (And Facts) That Matter For The 2024 Hurricane Season

August 19, 2024 / Company Blog

This is a time of year when hurricanes are common, and we must be ready. Out of 17 to 25 storms anticipated this year, between four and seven will morph into major hurricanes with...

This Is The Insurance A Small Business Needs To Take For Its Employees

August 19, 2024 / Company Blog

As a small business owner, one gets to have their own operation and therefore be one’s own boss. However, managing a business also entails embracing some risks. There are legal...

Examining "Nuclear Verdicts" And What They Mean For Businesses (And Insurance)

August 16, 2024 / Company Blog

Nuclear verdicts are now a concern of almost all forms of insurance in various markets. Nuclear verdicts entail an enormously high amount given to a plaintiff by a jury, often...

What You Must Know About Pet Insurance - The Numbers And Trends That Matter

August 15, 2024 / Company Blog

The National Pet Owners Survey in the US reported that 70% of households are home to dogs, cats, fish, birds, guinea pigs, hamsters. That’s around 90.5 million homes! However,...

Is Insurance Too Complicated For Small Business Owners To Understand?

July 19, 2024 / Company Blog

From volumes of information and misinformation to time-consuming onboarding processes, it's natural for a lot of small business owners to have a distaste towards insurance in general....

A Cyber Insurance Primer For Small Businesses

July 15, 2024 / Company Blog

Introduction

If you own a small business and think that you’re too small a fish for cyber attackers to even...

Commercial building insurance trends and what’s behind these trends

July 9, 2024 / Company Blog

Soaring rates, growing underwriting losses, and a tough renewal period coupled with reduced capacity made 2023...

Why and How to Protect Your Collectibles: A Guide for Collectors

July 8, 2024 / Company Blog

Collectibles, whether they are rare coins, vintage clocks, or classic portrait paintings signed by elusive artists, hold a unique place in our hearts and minds. These items are...

Do Small Business Owners Not Trust Insurance?

June 24, 2024 / Company Blog

Wakefield Research conducted a survey that produced some intriguing data about small business owners' insurance knowledge and expertise. A general insurance knowledge test was...

What Insurance Does A Local Bar And Restaurant Need?

June 19, 2024 / Company Blog

The American local bar and restaurant market size was worth around $35.3 billion...

Is a healthy lifestyle good for your wallet?

June 18, 2024 / Company Blog

It’s well-known that Americans are dealing with multiple chronic diseases. Around 42% of us have 2 such diseases,...

Different Types Of Commercial Properties (And Their Unique Insurance Needs)

June 17, 2024 / Company Blog

The American commercial property market has always seen tremendous changes as well as growth. However, post-COVID commercial properties, especially corporate offices, have seen...

Has underwriting become harder (and should people buy insurance care?)

May 31, 2024 / Company Blog

The financial products industry has used underwriting since the eighteenth century. However, underwriting has become a lot harder in the contemporary age because of many uncertain...

Cybersecurity and Data Privacy for Small Businesses in the US

May 30, 2024 / Company Blog

Small businesses are at the receiving end of about Read more

The Insurance Implications Of Smart Homes And Smart Security

May 28, 2024 / Insights from Chris

A popular trend and topic of conversation in the US is smart homes with smart security features. There are around 47...

Read This Before Renting Out Your Home On Airbnb

May 28, 2024 / Company Blog

It is estimated that around 150 million people use Airbnb worldwide and around 45 million of them are in the US. The short-term rental community is growing at a fast pace, especially...

What Happens When A Ship Hits A Bridge - An Insurance-Adjusted View

April 30, 2024 / Company Blog

On March 26, a container ship collided with the Francis Scott Key Bridge over the Patapsco River in Baltimore. Eight construction workers were filing potholes on the bridge at...

Top 10 Interesting Facts (And Figures) About Car Insurance In 2024

April 29, 2024 / Company Blog

The automotive sector is one of the biggest segments in the US

But what about insurance?

In 2023, the US auto insurance market was estimated to be worth $362.1 billion....

Understanding Renter's Insurance - The What, Why, And How

April 10, 2024 / Company Blog

About 30% of the entire population in the US lives in rental accommodation. Although the country...

A Long Hard Look At Insurance Fraud

March 25, 2024 / Company Blog

Unfortunately, insurance fraud is common and has a long history. A 2022 report says that fraud in this space costs insurance companies (and consumers) about $308.6...

Will Autonomous Cars Insure Themselves?

March 13, 2024 / Insights from Chris

The automobile market is shifting gears around the world. New technologies are changing consumer behavior and market realities. According to reports, the North American automotive market is going to grow...

Some Startling Statistics About Small Businesses In The USA

March 13, 2024 / Company Blog

The small business community in the US is one of the largest in the world. There were 440,000...

What's happening to commercial real estate in the USA?

March 11, 2024 / Company Blog

The real estate sector in the US has seen its ups and downs since 2010. However, despite challenging economic conditions, many new construction projects are rolling forward. Over...

Why Auto Insurance Premiums Are Different For Some Cars?

February 28, 2024 / Company Blog

Statista reports that around 75% of the US population had access to their own cars by Q1,...

Can An Insurance Agency Be A Partner To A Small Business?

February 27, 2024 / Company Blog

Most small businesses are run by the owners, with no employees listed under the organization. Managing everything, right from product formulation to marketing, and then shipping...

Insurance Concerns Of The Silver Generation

February 20, 2024 / Company Blog

The silver generation is the working professionals over 50, often having a high disposable income. These individuals are usually...

Who are Porch Pirates and how can you stay safe from them

February 13, 2024 / Company Blog

In America, porch pirates stole goods valued at over $8 million in 2023. In the previous three months, 17%...

How Should "Solopreneurs" Look At Insurance?

January 29, 2024 / Company Blog

There are 33.2 million small businesses in America, totaling over 99% of all businesses registered...

Should The World Of Insurance Care About AI?

January 23, 2024 / Company Blog

Everyone has heard about artificial intelligence by now, and we in the insurance sector haven’t been spared.

To respond to...

A look at customer experience in insurance - trends, challenges, and opportunities for improvement

January 15, 2024 / Company Blog

Whether it is a business or an individual, laborious and exhausting insurance processes can make experiences extremely terrible and bitter. However, today's empowered consumer...

5 Ways for a small business to reduce how much they spend on insurance

January 8, 2024 / Company Blog

There are all kinds of small businesses. For instance, the monthly expenses for some small business insurance can be as low as $14...

5 Changes in the world of cars, driving, and auto insurance for 2024

December 31, 2023 / Company Blog

The world of automobiles, driving, and auto insurance is fascinating at the best of times. It’s also more than a little confusing for a variety of reasons, including variations...

Some musings about insurance in 2024

December 26, 2023 / Company Blog

The insurance landscape in the US is changing because of new demands from consumers. From technological advancements to sustainable practices, US citizens are looking for plans...

Top 5 Things Likely To Occupy The Minds Of Small Business Owners In 2024

December 20, 2023 / Company Blog

Small businesses make up about 99% of all businesses and contribute to about 40%...

Four 2024 Trends Commercial Building Owners Should Know About!

December 13, 2023 / Company Blog

According to a 2020 survey by U.S. Energy Information Administration, the number of commercial buildings increased by 6%...

8 Reasons To Give Thanks For Insurance

December 1, 2023 / Company Blog

Imagine going out to watch a Thanksgiving day game at a friend’s place and returning home to find some broken windows. Your mood drops from 100 to 10 in an instant. Or when your...

7 Ways in which your record and history can impact your auto insurance premium

November 28, 2023 / Company Blog

Massachusetts first mandated auto insurance in 1926, and by 1970, approximately 48 states...

Why (and How) Small Business Owners Must Get Informed About Insurance

November 15, 2023 / Company Blog

The small business owner community in the United States is large and widespread. Small businesses are big in the context of the nation’s economy. According to reports, between...

Insurance Considerations - Winter Special Edition

November 14, 2023 / Company Blog

It gets cold across the Eastern Seaboard. It’s always been important to protect oneself from the approaching winter. And winter is costly too. Winter storms caused insured damage...

Understanding Flood Insurance

November 1, 2023 / Company Blog

According to Statista, there have been approximately Read more

An Insurance Guide for eCommerce Sellers

October 30, 2023 / Company Blog

In 2020, a lot of businesses went online to amplify their revenue. Some sought survival in the midst of the pandemic. This opened new gateways and possibilities for businesses...

Insurance Trick-Or-Treating for Halloween

October 19, 2023 / Company Blog

Read more

Small Business Insurance for Bad Weather (or Good)

October 17, 2023 / Company Blog

Be it a pandemic that forced the closure of over Read more

Why Small Business Owners Should Be Comprehensively Insured

October 2, 2023 / Company Blog

The small business community is experiencing unexpected growth, not just in the United States but globally. The rise of social media, acceptance of independent brands, and more...

What's New in the World of Commercial Building Insurance?

September 29, 2023 / Company Blog

Natural disasters in the United States caused a total loss of an estimated Read more

Observing Life Insurance Awareness Month

September 22, 2023 / Company Blog

Financial illiteracy is a real concern for many people. Often, most young adults who have to tackle their finances struggle with the right investment plans and are mostly underinsured/uninsured...

How Does Insurance Work for the Victims of Wildfires?

September 11, 2023 / Company Blog

Wildfires are one of the most common and devastating natural disasters that people in the US face year after year. They have serious consequences for livelihoods and land, reduce...

The Small Business Owner's Guide to Insurance for Things That Aren't Their Fault!

August 25, 2023 / Company Blog

The pandemic altered the way the world operates, possibly forever. Emerging small business and work-from-home trends are here to stay. The number of new small businesses also surged....

Has Commercial Building Insurance Become More Expensive?

August 21, 2023 / Company Blog

According to CIAB, the increase in commercial insurance premiums ticked in at around Read more

Is It a Good Idea to Get Renter's Insurance?

August 16, 2023 / Company Blog

The insurance sector is witnessing the widespread increase in premiums for various insurance coverages, such as property insurance, auto insurance, and more. But what if we told...

The Summer Road-Trippers Insurance Road Map

August 11, 2023 / Company Blog

Summers in the United States call for breaks and frequent road trips. According to one report, Memorial Day road trips increased by 6% in 2023, with Read more

5 Most Common Flood Insurance Mistakes

July 28, 2023 / Company Blog

According to Statista, the country experienced Read more

How To Choose the Right Insurance for Your Small Business

July 25, 2023 / Company Blog

According to data collected by the Bureau of Labor Statistics, approximately 20% of...

The Latest Trends in Commercial Property Insurance

July 19, 2023 / Company Blog

Climate change, economic upturn, and altering needs are all contributing factors to consider when it comes to commercial property insurance. Citizens are heavily invested and certain...

Keeping Your Home Safe from Summertime Disasters

July 6, 2023 / Company Blog

Summers in the United States can be brutal. Temperatures can shoot up and create havoc. Besides, hurricanes, floods, fires, and storms are some of the most common summertime disasters....

The Top 6 Risks Small Businesses Face and Insurance Coverage to Mitigate Them

July 4, 2023 / Company Blog

Running a small business is both challenging and rewarding. Business owners invest their hearts and souls into their ventures, striving for success. When a business thrives, it's...

Why It's Never Too Late to Get Life Insurance Coverage

June 23, 2023 / Company Blog

Life insurance policies are fairly straightforward. You purchase an insurance policy, pay the premiums, and leave a secure life for your loved ones in the event of a natural or...

Understanding the Threat from Lead-Based Paint (And the Protection)

June 19, 2023 / Company Blog

Lead has long been a source of concern for people worldwide because it is a toxic substance that can have adverse health effects. Its presence and extensive usage in the past for...

Home or Condo - Understanding Your Insurance Options

June 14, 2023 / Company Blog

There’s always a steady trend of people looking to purchase home insurance. This can be attributed to several factors. On the one hand, for example, the weather is becoming less...

A Look at the Factors Impacting Commercial Property Insurance

May 30, 2023 / Insights from Chris

The data over the years has revealed how property rates have rapidly changed curves over time. According...

An Insurance Primer for Founders Of "Revenge Startups"

May 18, 2023 / Company Blog

The clickbait term - revenge startups is making the rounds in news and debates across the country. Following widespread layoffs, various stories are getting published showcasing...

The "Good Boy" Policy - A Glimpse of Pet Insurance

May 16, 2023 / Company Blog

As per the 2023-2024 APPA national pet owners Read more

Beyond Fire and Flood: What Other Building Insurance Should Property Owners Get?

April 27, 2023 / Company Blog

Having one or more types of property insurance is mandatory. But beyond what mandated by the law, most building owners need more protection.

Auto insurance is a mandated coverage by most states in the United States. Apart from providing protection in case of accident, the increasing theft of auto parts also emphasizes...

Retail Ready: What Every Small Retail Outlet Owner Needs to Know About Insurance

April 20, 2023 / Company Blog

Small businesses have regularly been victims of numerous mishaps, including thefts, burglaries, and shoplifting. Even with all safety precautions in place, it is estimated that...

Protecting A Small Business: Understanding the Insurance Coverage a Small Business Owner Needs

April 11, 2023 / Company Blog

There are over 33 million small businesses in the United States, and many of them are either uninsured or underinsured. According to Read more

Understanding Tenant Discrimination Coverage

March 27, 2023 / Insights from Chris

From 2020 to 2021, the number of fair house complaints filed increased by more than 8%, rising from 28,712 to 31,216. According to the National...

It's Gone! What Gets Stolen the Most in America

March 27, 2023 / Company Blog

According to Statista, the burglary rate in America...

Why Many Homeowners Review Their Home Insurance Policies When Spring Comes?

March 16, 2023 / Insights from Chris

The US experiences extreme weather all year long; thankfully, spring adds a little balance to the year-round weather whirlwind. According to a report,...

Is Auto Insurance Becoming More Expensive?

March 9, 2023 / Company Blog

Chip shortages, supply chain dynamics, and political upheavals have all contributed to an increase in prices for a variety of goods; vehicles are no exception. According to a Read more

Why are Property Insurance Rates Trending Upward?

March 1, 2023 / Company Blog

Although inflation is a factor, some states have higher property insurance premiums than the national average and the current inflation rate. According to a Forbes Read more

All You Need to Know About Commercial Auto Insurance

February 23, 2023 / Company Blog

As of 2022, over 76% of the US population had...

The Expensive "Stuff" We Own and How to Protect It

February 22, 2023 / Company Blog

In the US's major cities, auto theft increased by 21% between 2021 and 2022. While the number of auto thefts and carjackings has doubled in some cities, it has tripled in places...

The Cyber Risks Small Businesses Must be Aware of

February 6, 2023 / Company Blog

A recent CNBC article on the high risk that cybercrimes pose to small businesses was eye-opening in many ways. According to it, cybercrime complaints against small businesses exhibited...

The Insurance Impact of the Great Resignation on Small Businesses

January 30, 2023 / Company Blog

Seeing how workplaces had been changing, psychologist and professor Anthony Klotz coined the term "Read more

All You Need to Know About Deductibles in Insurance

January 18, 2023 / Company Blog

Few people are familiar with or particularly attuned with insurance deductibles. The best way to define an insurance deductible is the sum of money that is deducted when a claim...

What Will 2023 Bring for the American Small Business Owner?

January 12, 2023 / Insights from Chris

Forbes reports that more than half of the workforce in the US is now employed by small businesses. The fact that nearly 99.9% of...

Staying Warm and Secure – Even as Winters Get Harsher by the Year

January 11, 2023 / Company Blog

In the United States alone, extreme weather conditions cost over Read more

The Updated Guide to Insurance for Retail Stores

January 4, 2023 / Company Blog

According to a study, the global commercial insurance market will reach a market value of Read more

Why Small Businesses Should Be Concerned About Cybercrime

December 29, 2022 / Company Blog

Small businesses are just as vulnerable to cybercrime as multinational corporations. According to a report, there were about Read more

Home Insurance Trends Likely to Catch the Eye in 2023

December 21, 2022 / Company Blog

The world is changing, and so are people's habits and preferences. And this can be attributed to the evolution in the socioeconomic environment, ever-expanding technology interventions,...

A Cautionary Tale of Fraud (and How to Avoid Becoming a Victim)

December 16, 2022 / Company Blog

As per Coalition Against Insurance Fraud, Americans are often victimized by fraudsters, with over Read more

Is Theft a Growing Concern and How to Stay Protected if It Is

December 6, 2022 / Company Blog

A recent report outlines that catalytic converter thefts from cars have increased by Read more

All You Need to Know About Employment Practices Liability Insurance

November 29, 2022 / Company Blog

Employers are aware that they are accountable for the security and welfare of their staff members. But what about their legal rights? What if the employer get’s charged with...

What Does Thanksgiving Mean to the World of Insurance

November 21, 2022 / Company Blog

Thanksgiving is one of the main occasions for families to get together and celebrate the holidays. However, there are a few things to consider for insurance purposes and for the...

What Small Businesses Need to Know About Hammer Clauses in Professional Liability

November 14, 2022 / Company Blog

A 2021 Deloitte...

The Changing Trends in Insurance Linked to Weather Events

November 1, 2022 / Insights from Chris

Weather-based insurance has evolved over the years to provide financial protection against loss and damages caused due to unforeseen climatic conditions. Now that the winter is approaching, it is the...

Not Just for a Rainy Day – The Great Benefit of Umbrella Insurance

October 31, 2022 / Company Blog

Ever since the pandemic, there has been a drastic change in how people see their insurance needs. They now care about a lot of things - something that the Insurance Information...

A (Far from Complete) List of Equipment That Small Businesses Need to Insure

October 19, 2022 / Company Blog

Did you know that there are over Read more

Is Your Insurance Program Adequate?

October 11, 2022 / Company Blog

If you own a business, you know what risks it is prone to. Unforeseen incidents can occur anytime, causing huge monetary losses. So, insurance is vital to protect the company's...

What Apartment Building Owners Must Know About Insurance

September 30, 2022 / Company Blog

By 2035, the US will face a soaring need for around Read more

7 Businesses That Need Customized Insurance

September 27, 2022 / Insights from Chris

The uncertainty of the small business world makes it more prone to unexpected losses. To that end, choosing an appropriate insurance plan can protect your business from losses due to market fluctuations,...

What Contractors Must Know About Professional Liability Insurance?

September 16, 2022 / Company Blog

Did you know that 90% of businesses face...

Understanding Valuable Property Insurance

September 13, 2022 / Company Blog

Is having a homeowner's insurance sufficient to cover all your assets? Surprisingly, no. Although conventional homeowner's insurance covers all the items you own, in case of loss...

What Is Usage-Based Insurance and Other Trending Insurance Questions?

August 31, 2022 / Company Blog

During COVID-19, there was a drastic decrease in vehicles on the road, which raised concerns among personal and commercial vehicle owners that they were overpaying for the cover...

The Insurance Concerns of Condo Associations

August 26, 2022 / Company Blog

Condo association insurance offers a broad range of coverages. It typically covers the common areas - the structure of the building and the land where the condo is situated. Every...

The Good Driver's Guide to Auto Insurance

August 17, 2022 / Company Blog

The average expenditure on auto insurance has been rising for almost a decade now. On average, the liability Read more

How Commercial and Personal Auto Insurance Are Very Different

August 16, 2022 / Company Blog

Before buying an insurance policy for your vehicle, it is crucial to know the difference between how commercial and personal auto insurance works. Depending on the purpose for...

Summer Series – Will We See a Searing Season of Wildfires and What Does That Mean for Insurance?

July 29, 2022 / Company Blog

Wildfires in the US are currently a massive concern for citizens and government agencies alike. They are triggered by both natural means and human activities, leading to considerable...

Summer Series - Does Inflation Hit Your Insurance Premium?

July 25, 2022 / Company Blog

At the time of writing, the Read more

A Quick Look at Travel Insurance Needs and Trends

July 20, 2022 / Company Blog

Over 80% of Americans lost...

Summer Series - Does It Get Hot in the World of Insurance?

July 14, 2022 / Company Blog

The heatwave data released by...

Connected Insurance and Other Tech-Driven Insurance Trends for the Curious-Minded

July 5, 2022 / Company Blog

Digitalization has turned common practices on their head. People now prefer fast and instant solutions to their complex issues. Even in insurance, consumers today are more conscious...

Understanding NY State's Disability Insurance rules

July 1, 2022 / Company Blog

Being seriously ill or injured during work can be emotionally and financially taxing. Some time off from work is a must in such cases. Many professionals in New York do not usually...

Things To Check in Your Home Insurance as Summer Approaches

June 20, 2022 / Company Blog

Summer is for fun and family, for vacation, rejuvenation and to be away from the hustle and bustle of daily life. Families are out on vacation, and several homes are left unattended...

Some Insurance Considerations for Homes on the Beach

June 14, 2022 / Company Blog

Home insurance is nothing short of essential. In the US, it has become a mandate, not by law but due to multiple factors — natural or otherwise. The tenants are required to have...

Is small business insurance changing?

June 4, 2022 / Insights from Chris

The post-pandemic era is replete with changes thanks to the changing habits of customers. Small and medium-sized businesses are feeling these changes more predominantly than the MNCs or corporate hubs....

A Retail Store’s Guide to Insurance

June 4, 2022 / Company Blog

It is safe to say that retailers face market competition a little more than other sectors. To work under such pressure and build a profitable business requires smart investment.

The automotive landscape is rapidly changing and the credit goes to autonomous vehicles, inflation, and other such factors in equal measure. This has directly affected or changed...

What you should look for in commercial property insurance

May 17, 2022 / Company Blog

You might be running a business at your own property or have taken it on lease from someone. Are you worried about finding the right ways to protect the premises and your business?

It’s common to hear that insurance companies only consider their perspective and not what would benefit you. They suggest policy options that cover your basic needs but don’t...

Why umbrella insurance makes sense even if you have other policies

April 25, 2022 / Company Blog

Having multiple insurances is normal. You ask why?

Well, the norms are different for every instance, and being covered from...

Understanding Deductibles in Insurance

April 20, 2022 / Company Blog

Insurance is a must-have for every individual or small business. Insurance offers comprehensive financial protection to safeguard your savings at the time of an emergency. However,...

The weather events you should prepare for (and insure against)

April 19, 2022 / Company Blog

Natural disasters affect more than 218 million people per year. And more often than...

What You Don't Know About Employment Practices Liability Insurance Could Hurt You

April 4, 2022 / Company Blog

Insurance is extremely important for business owners, especially if you're new in the game. Without it, you could lose precious cash to malpractices and many other undesirable...

Don't Raise the Roof – A Homeowner's Guide to Roof Repairs

March 28, 2022 / Company Blog

A roof is essential (well, duh!) and a good roof is a major investment designed to protect your home. Roofs must deliver worry-free and reliable performances for the long term....

It's Time to Prepare for the 2022 Hurricane Season – Start with A Look at Insurance

March 17, 2022 / Company Blog

Hurricanes can be devastating across levels. They cause massive damage to the environment, your home, and your property. Hurricane Harvey caused damage worth $125 billion, destroying...

Gonzalez Insurance - The Difference Between Title Insurance and Property and Casualty Insurance

March 4, 2022 / Company Blog

When you're buying a property, it’s imperative to get insurance to protect that property as well. That acts as a safety blanket, to ensure that nothing bad or undesirable that...

What Must Small Businesses Do to Make Good on the Promise of 2022

March 1, 2022 / Insights from Chris

2022 comes with many promises for small- and medium-sized businesses alike. Pandemic conditions are improving, people are returning to stores and restaurants, and the words “supply chain” don’t sound...

Gonzalez Insurance – How We Go the Extra Mile to Provide Insurance Advice and Options

February 24, 2022 / Company Blog

Insurance can be complicated if you don't know how to navigate the landscape. There are nuances that many don't understand, nor are they able to decipher what's best for them to...

How Condo and Co-Op Insurance Is Different

February 15, 2022 / Company Blog

The standard homeowner's policy usually covers destruction and damage to the residence's exterior and interior. It also covers the loss or theft of certain possessions and personal...

Adaptive Reuse – What Is It and How Does It Impact Commercial Buildings?

February 7, 2022 / Company Blog

If you can thrift clothes, accessories, and other things, it isn't surprising that one can reuse old buildings, too. That is what many companies are choosing to do in a practice...

Are There Any Good Reasons to Stay Un (Or Under) Insured?

January 26, 2022 / Insights from Chris

Around 1 in 3 small businesses reportedly didn't have insurance...

How Small Stores Can Protect Themselves from Theft

January 14, 2022 / Company Blog

It's been all over the news lately – smash and grab incidents to the tune of $340,000...

Why Do Insurance Claims Get Rejected?

January 4, 2022 / Company Blog

According to the US Department of Labor, around 14% of all submitted medical claims are rejected....

Some Random Thoughts About 2022 In the Insurance World

December 29, 2021 / Insights from Chris

Many small businesses lost massive amounts of money due to the COVID-19 situation. Shops had to shut down, deliveries halted, and many other things happened that changed the very fabric of businesses on...

Insurance Considerations for the Holiday Season

December 27, 2021 / Insights from Chris

The holiday season should be a time for cheer and goodwill. But sometimes, things take a wrong turn, and disaster strikes. Maybe it's an opportunistic thief trying to steal your car from that unfamiliar...

More about Business Owners Policy coverage

December 20, 2021 / Company Blog

A Business Owner Policy is an insurance policy that focuses on small and medium businesses and owners. It provides financial protection against perils like property damage, business...

Take A Relook At The Insurance Coverage Your Small Business Has

December 6, 2021 / Company Blog

Owning a small business is exciting. You’re always busy with everyday challenges and new customer prospects. Small businesses also drive the country’s economy as they exist...

How Insurance Needs And Retail Stores Grow Together

November 15, 2021 / Insights from Chris

Every business has its growth path. Some start like the hare, gallop away to quick success, resting only when they turn into a multi-location and multi-faceted organization.  Others may start like the...

Will It Be a Harsh Winter, and Does That Have an Insurance Implication?

November 12, 2021 / Company Blog

Last February, Texas saw one of its harshest winters in history. The storm that ravaged the area caused billions of dollars worth of damage and suffering. From ice, snow, freezing...

Knowing Renter’s Insurance – Obligations, Benefits, and Questions

November 8, 2021 / Company Blog

Renter’s Insurance, also known as Tenant Insurance, is an affordable collection of Insurance covers designed to protect personal belongings, certain liabilities, and temporary...

What Small Businesses Must Understand About Insurance for Contractors

November 3, 2021 / Company Blog

Steve is ecstatic as he's finally got the cash (and the will) to add that extension to complete the shop of his dreams. He calls a contractor and work begins. One of the days,...

How Are Insurance Companies Being Influenced by Data Analytics?

October 28, 2021 / Insights from Chris

Data analytics could become a game-changer for the insurance sector. Conversations about applications include business intelligence initiatives, data management, and analytics/AI. The practitioners of...

A Primer On Commercial Auto Insurance

October 22, 2021 / Company Blog

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

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...

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,...

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...

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...

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....

THE FUTURE OF DINING

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...

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...

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...

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...

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,...

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...

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...

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...

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...

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....

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,...

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...

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....

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....

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...

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...

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...

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...

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%...

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...

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...

Business Income Fundamentals

June 25, 2021 / Company Blog

What Every Insurance Professional Needs to Know and Share with Policyholders

By Sue Quimby, CPCU,...

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...

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...

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,...

A Note for the Small Businesses Killing It as Amazon Sellers

June 10, 2021 / Company Blog

• Over 1.9 million US businesses sell their wares on Amazon.
• In 2019, 58%...
  Read more

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...

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....

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...

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...

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,...

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...

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...

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...

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...

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...

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...

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...

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,...

The Workers’ Compensation Questions Small Businesses Must Answer

February 19, 2021 / Company Blog

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

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...

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...

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...

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...

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....

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...

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...

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,...

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...

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

Are...

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...

Winter Is Coming - Is Your Insurance In Place?

November 5, 2020 / Company Blog

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

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...

What Small Businesses Want From Their Insurance Provider

October 27, 2020 / Insights from Chris

About 99.9% of...

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...

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...

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...

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...

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”....

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...

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...

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...

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...

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,...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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)...

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,...

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...

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...

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....

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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,...

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...

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...

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...

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...

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...

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,...

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...

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...

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...

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...

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,...

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."...

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...

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...

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...

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...

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...

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,...

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...

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,...

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...

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...

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...

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...