Gonzalez & Co. Insurance Agency

From Paperwork to Peace of Mind: How Agencies Simplify the Complex World of Insurance

October 9, 2025

Insurance agencies in the US simplify complex policy language, exclusions, and compliance so individuals and businesses make smarter coverage decisions. Buying insurance shouldn’t feel like decoding...

How Landlords Reduce Liability Exposure Without Overpaying for Coverage

September 30, 2025

Learn practical ways landlords in the U.S. reduce liability exposure without overpaying for insurance. Get cost-saving tips and coverage strategies. Increased insurance costs, labor shortages, and increased...

EPLI (Employment Practices Liability Insurance) Becomes Essential

September 23, 2025

Protect your U.S. business with EPLI. Learn why rising employee lawsuits make Employment Practices Liability Insurance essential today. For U.S. companies currently, Employment Practices Liability Insurance—or...

The Hidden Liabilities Lurking in Every Restaurant and Bar

September 18, 2025

Uncover the hidden liabilities threatening US restaurants & bars. From liquor lawsuits to foodborne illness, learn how to protect your business with tailored insurance. From McDonald’s to the cozy...

How Small Insurers Are Redefining Risk by Understanding Human Behaviour

September 8, 2025

Small US insurers are leveraging behavioral economics to personalize coverage, reduce risk, and challenge industry giants. Discover how understanding human behavior is reshaping insurance. For many years,...

How Predictive Maintenance Can Reduce Insurance Claims

August 29, 2025

Discover how predictive maintenance helps U.S. drivers lower auto insurance claims, reduce repair costs, and keep vehicles safer on the road. Ever had that stomach-drop feeling when a critical piece of...

What Most Contractors Don’t Understand About Liability Until They Are Sued

August 26, 2025

Discover why general liability insurance is essential for U.S. contractors and how it protects against costly lawsuits, accidents, and claims. In general, workers who are self-employed and work as independent...

Why Short-Term Rentals Are a Growing Liability for Property Owners

August 12, 2025

Rising risks for US short-term rental owners: injury lawsuits, costly damage, insurance gaps, complex regulations, income swings & neighbor conflicts. Protect your investment. Dreams of converting...

5 Signs Your Car Needs Servicing Before It Breaks Down

August 4, 2025

Don't wait for a breakdown! Learn 5 critical signs your US car needs service (warning lights, noises, leaks, brakes, drivability issues), plus maintenance tips & insurance insights. Your car will always...

Top 10 Reasons Your Car Fails Its Annual Inspection, and How to Avoid Them

July 30, 2025

Discover the top 10 reasons cars fail US state inspections & how to fix them! Avoid costly insurance impacts & stay legal. Tips for lights, brakes, tires, emissions & more. Vehicle inspections...

Buying Home Insurance Online Vs. Through an Agent: What You Need to Know

July 21, 2025

Compare buying home insurance online vs. an agent. Discover pros, cons, costs, and expert guidance for the best coverage on your US home. Make an informed choice! Your home is your refuge and probably...

Why is Home Insurance Falling Off Gen Z’s Priority List This Year?

July 14, 2025

Gen Z skips home insurance? Explore why rising costs, digital gaps, & economic pressures make coverage a low priority for young US homeowners & renters. Learn risks & solutions. Born between...

Commercial Property Owners Are Opting for Higher Deductibles—Here’s Why

July 7, 2025

Rising US commercial property insurance costs? Learn why higher deductibles are a strategic choice for cost savings & risk management, balancing premiums & out-of-pocket exposure. The primary challenge...

Missed a Home Insurance Premium? Here’s What You Risk (and How to Fix It Fast)

June 24, 2025

Missed a US home insurance payment? Avoid policy lapse, foreclosure risk, & credit damage. Learn grace periods, consequences, & fast fixes to protect your home now. Things get busy. Between work,...

What the Shift to Hybrid Work Really Means for Office Property Owners in 2025

June 17, 2025

Hybrid work will reshape the demand for US office space in 2025. Explore property owner challenges, home office liability, insurance gaps, & why robust commercial property coverage is non-negotiable....

The Insurance Blind Spot: How Deadly Teen Driving States Are Reshaping Risk Models

June 10, 2025

Insurers scramble as teen driving deaths spike in Southern US states (KY, TX). How fatal state disparities reshape auto insurance risk models and premiums. Get covered with Gonzalez Insurance today! For...

How Tariffs Are Raising Construction Costs and Driving Up Insurance Too

June 4, 2025

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

Why Small Businesses Can’t Afford to Overlook Workers’ Compensation Insurance

May 28, 2025

Discover why small businesses must prioritize workers’ compensation insurance to avoid legal penalties, protect employees, and ensure financial stability. Stay compliant, secure, and competitive. As...

Insurance Gaps That Could Cost You During Hurricane Season

May 21, 2025

Discover the critical insurance gaps that could leave you financially exposed during hurricane season and learn how comprehensive coverage can protect your most valuable assets. Hurricane season is signaling...

How to Safeguard Your Summer Rental Property with Vacation Home Insurance

May 14, 2025

Renting out your vacation home? Avoid costly mistakes—discover what standard policies miss and how to close insurance loopholes. Developing that perfect summer rental—a little mountain cabin, a charming...

Top Cybersecurity Breaches in the Insurance Industry: Lessons Learned from the Biggest Hacks

May 7, 2025

Top cybersecurity breaches in insurance (2015-2025): Learn from Anthem, Progressive hacks. Key lessons & how Gonzalez Insurance cyber solutions protect your business. The insurance industry is a prime...

A Volatile Hurricane Season Ahead: Is Your Insurance Ready?

April 30, 2025

The 2024 hurricane season clearly tore through the country and has become one of the most disastrous and damaging on record, perhaps ranking with 1992. But here comes the new season of 2025, and those...

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

April 21, 2025

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 stricter insurance and security...

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

April 15, 2025

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 development. In the U.S.,...

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

April 7, 2025

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 off a ladder, and suddenly...

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

March 31, 2025

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 and Home Elevation...

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

March 26, 2025

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 of one year to September...

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

March 24, 2025

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

The Role of IoT and Telematics in Revolutionizing Auto Insurance

March 10, 2025

New technologies are transforming auto insurance, as they redefine the ways in which risks are assessed, premiums are calculated, and claims are serviced. Insurers are no longer limited to looking...

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

March 4, 2025

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

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

February 25, 2025

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 progressively more grief....

Business Interruption Insurance for Restaurants – Beyond the Basics

February 12, 2025

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 delivery chain breakdown...

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

February 7, 2025

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 & Brown stated that, in 2023, U.S. construction...

The Home Insurance Ready Reckoner – Claims and Rejections

January 27, 2025

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 home insurance is for—an...

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

January 14, 2025

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. One particular area that...

Is Your Holiday Shopping Insured?

January 9, 2025

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 perfect gift for their...

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

December 30, 2024

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

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 the home and family from...

Men In Bear Suits And Other Crazy Insurance Tales

December 13, 2024

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 think are easy payouts....

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

December 9, 2024

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 common misconception lands...

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

December 2, 2024

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 covers medical costs,...

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

November 27, 2024

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 this entails as you may...

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

November 14, 2024

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 2023 alone amounted to $133.2 million,...

The Cold Hard Facts About Insurance In The Winter Months

October 30, 2024

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 long and sweep across half...

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

October 15, 2024

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 Fire Administration estimated...

Why Fire Scares Small Business Owners

October 8, 2024

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 cause devastating damage...

Who’s Worried About Insurance Fraud?

October 7, 2024

Did you know that insurance fraud costs the industry around $ 308 billion annually? Insurance fraud has made headlines ever since the conception of insurance for all the wrong reasons. Experts have estimated...

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

October 1, 2024

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

What Half Of All Renters Already Know About Renters Insurance

September 12, 2024

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 lost or damaged belongings....

How Do You Know You Can Trust An Insurance Agency?

September 10, 2024

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 rely on them for safety...

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

August 19, 2024

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 winds that blow at speeds...

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

August 19, 2024

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 structures in place that...

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

August 16, 2024

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 beyond logic and fairness....

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

August 15, 2024

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, seeing a sick pet is one...

Is Insurance Too Complicated For Small Business Owners To Understand?

July 19, 2024

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. Mainly because they...

A Cyber Insurance Primer For Small Businesses

July 15, 2024

Introduction If you own a small business and think that you’re too small a fish for cyber attackers to even consider targeting you, think again. It’s this mindset that cyber attackers leverage to deploy...

Commercial building insurance trends and what’s behind these trends

July 9, 2024

Soaring rates, growing underwriting losses, and a tough renewal period coupled with reduced capacity made 2023 one of the most challenging years for the commercial building insurance market. 2024 brought...

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

July 8, 2024

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 worth far more than their...

Do Small Business Owners Not Trust Insurance?

June 24, 2024

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

What Insurance Does A Local Bar And Restaurant Need?

June 19, 2024

The American local bar and restaurant market size was worth around $35.3 billion in 2022. According to a report, over 50,000 businesses occupied the market in 2023, driving the 5-year annual growth rate...

Is a healthy lifestyle good for your wallet?

June 18, 2024

It’s well-known that Americans are dealing with multiple chronic diseases. Around 42% of us have 2 such diseases, and around 12% of the population has 5 such chronic diseases, which is a worryingly large...

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

June 17, 2024

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

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

May 31, 2024

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 factors like environmental...

Cybersecurity and Data Privacy for Small Businesses in the US

May 30, 2024

Small businesses are at the receiving end of about 46% of all cyberattacks. Their protection is limited and sometimes non-existent, making them easy targets. The lack of technical skills and domain understanding...

Read This Before Renting Out Your Home On Airbnb

May 28, 2024

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 after COVID when people...

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

April 30, 2024

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 the time of the crash. Out...

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

April 29, 2024

The automotive sector is one of the biggest segments in the US But what about insurance? Here are some trends in car insurance and some plain facts to understand the segment better. Rise in premiums Car...

What To Look For While Buying Car Insurance

April 11, 2024

In 2023, the US auto insurance market was estimated to be worth $362.1 billion. Statista estimates that the number of registered cars in the United States in 2022 was close to 280 million. That’s a staggering...

Understanding Renter’s Insurance – The What, Why, And How

April 10, 2024

About 30% of the entire population in the US lives in rental accommodation. Although the country has a large number of homeowners, the rental community in the US is also pretty big. This comes down to...

A Long Hard Look At Insurance Fraud

March 25, 2024

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 billion. The FBI stated that approximately...

Some Startling Statistics About Small Businesses In The USA

March 13, 2024

The small business community in the US is one of the largest in the world. There were 440,000 business applications submitted monthly between 2021 and 2023. One of the main reasons why small businesses...

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

March 11, 2024

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 $115 billion worth of...

Why Auto Insurance Premiums Are Different For Some Cars?

February 28, 2024

Statista reports that around 75% of the US population had access to their own cars by Q1, 2023. The automotive industry is a pillar of the US economy and cars play a central role in our lives. However,...

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

February 27, 2024

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 to customer support, can...

Insurance Concerns Of The Silver Generation

February 20, 2024

The silver generation is the working professionals over 50, often having a high disposable income. These individuals are usually still a part of the workforce or have independent sources of income. As...

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

February 13, 2024

In America, porch pirates stole goods valued at over $8 million in 2023. In the previous three months, 17% of Americans on average had a package stolen. Porch piracy is a new kind of issue that affects...

How Should “Solopreneurs” Look At Insurance?

January 29, 2024

There are 33.2 million small businesses in America, totaling over 99% of all businesses registered in the country. Amongst these, there are over 25 million companies that have only one employee. Solopreneurs...

Should The World Of Insurance Care About AI?

January 23, 2024

Everyone has heard about artificial intelligence by now, and we in the insurance sector haven’t been spared. To respond to the question above, insurance professionals and those who need insurance must...

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

January 15, 2024

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 is looking for a better customer...

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

January 8, 2024

There are all kinds of small businesses. For instance, the monthly expenses for some small business insurance can be as low as $14 to $124. Clearly, not all of them need the same degree of protection or...

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

December 31, 2023

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 in premium costs and government...

Some musings about insurance in 2024

December 26, 2023

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 that resonate with their...

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

December 20, 2023

Small businesses make up about 99% of all businesses and contribute to about 40% of the American GDP. Clearly, the country supports small business owners. As they do, these businesses make profits and...

Four 2024 Trends Commercial Building Owners Should Know About!

December 13, 2023

According to a 2020 survey by U.S. Energy Information Administration, the number of commercial buildings increased by 6% in the last 8 years. In 2022, 115 billion US dollars were spent on commercial real...

8 Reasons To Give Thanks For Insurance

December 1, 2023

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 dog scares an elderly...

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

November 28, 2023

Massachusetts first mandated auto insurance in 1926, and by 1970, approximately 48 states in the United States had mandated auto insurance for individuals and business owners. The mandates were enacted...

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

November 15, 2023

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 1996 and 2020, small business...

Insurance Considerations – Winter Special Edition

November 14, 2023

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 worth $6 billion in...

Understanding Flood Insurance

November 1, 2023

According to Statista, there have been approximately 37 billion-dollar flood-related disasters in various regions of America since 1980. Between 2010 and 2019, there were approximately 18 such...

An Insurance Guide for eCommerce Sellers

October 30, 2023

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 of all sizes. The eCommerce...

Insurance Trick-Or-Treating for Halloween

October 19, 2023

Halloween is one of the most loved (and participated in) holidays. The autumn chills add to the holiday's aesthetics and vibe. However, the holiday season also brings with it a few tricky scenarios. Reports...

Small Business Insurance for Bad Weather (or Good)

October 17, 2023

Be it a pandemic that forced the closure of over 30% of small businesses or constant weather conditions affecting different states across the country, small businesses are always highly impacted. ...

Why Small Business Owners Should Be Comprehensively Insured

October 2, 2023

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 such factors deserve at...

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

September 29, 2023

Natural disasters in the United States caused a total loss of an estimated $164,879 million in 2022 alone. Private insurers and government programs paid out approximately $98,885 million in insured...

Observing Life Insurance Awareness Month

September 22, 2023

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 because...

How Does Insurance Work for the Victims of Wildfires?

September 11, 2023

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 air quality, and leave...

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

August 25, 2023

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. According to the US...

Has Commercial Building Insurance Become More Expensive?

August 21, 2023

According to CIAB, the increase in commercial insurance premiums ticked in at around 20.4% in the first quarter of 2023, the highest since 2021. Apart from the increased premiums, the report...

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

August 16, 2023

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 you that certain key segments...

The Summer Road-Trippers Insurance Road Map

August 11, 2023

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 over 37.1 million Americans driving to their...

5 Most Common Flood Insurance Mistakes

July 28, 2023

According to Statista, the country experienced 130 significant floods between 2010 and 2019. In 2017, the total loss due to flash floods was around $60 million, making it the most financially...

How To Choose the Right Insurance for Your Small Business

July 25, 2023

According to data collected by the Bureau of Labor Statistics, approximately 20% of businesses that opened in 2021 were not able to celebrate even their first anniversaries. The sad truth of...

The Latest Trends in Commercial Property Insurance

July 19, 2023

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 about obtaining commercial...

Keeping Your Home Safe from Summertime Disasters

July 6, 2023

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. They leave homeowners...

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

July 4, 2023

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 not just a measure of...

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

June 23, 2023

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 untimely death. However,...

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

June 19, 2023

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 commodities like paints,...

Home or Condo – Understanding Your Insurance Options

June 14, 2023

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 kind with numerous natural...

An Insurance Primer for Founders Of “Revenge Startups”

May 18, 2023

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 laid-off employees launching...

The “Good Boy” Policy – A Glimpse of Pet Insurance

May 16, 2023

As per the 2023-2024 APPA national pet owners survey, 86.9 million, or 66% of American households, were reported to have a pet. Another study found that the number of pets in American households...

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

April 27, 2023

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

Rejected – Why Auto Claims Can Fail

April 24, 2023

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 the importance of obtaining...

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

April 20, 2023

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 businesses lose more than...

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

April 11, 2023

There are over 33 million small businesses in the United States, and many of them are either uninsured or underinsured. According to Forbes Advisor, the majority of small businesses have no employees...

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

March 27, 2023

According to Statista, the burglary rate in America in 2018 was around 376 incidents per 100,000 people. There have been several reports that highlight and indicate that these numbers have sharply...

Is Auto Insurance Becoming More Expensive?

March 9, 2023

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 JP Morgan report, the...

Why are Property Insurance Rates Trending Upward?

March 1, 2023

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 article, Oklahoma, Louisiana, Mississippi,...

All You Need to Know About Commercial Auto Insurance

February 23, 2023

As of 2022, over 76% of the US population had access to their own car. An additional 19% reported having access to a company or family car. Besides this, as with any other economy, the US also...

The Expensive “Stuff” We Own and How to Protect It

February 22, 2023

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 like Memphis and Chicago....

The Cyber Risks Small Businesses Must be Aware of

February 6, 2023

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 a 7% year-over-year...

The Insurance Impact of the Great Resignation on Small Businesses

January 30, 2023

Seeing how workplaces had been changing, psychologist and professor Anthony Klotz coined the term "Great Resignation" in May 2021. People began leaving their jobs nationwide, which led to this potentially...

All You Need to Know About Deductibles in Insurance

January 18, 2023

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 is made for any insurance...

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

January 11, 2023

In the United States alone, extreme weather conditions cost over $145 billion in 2021, killing nearly 700 people. The impact of weather on daily activities and general safety is quite severe, whether...

The Updated Guide to Insurance for Retail Stores

January 4, 2023

According to a study, the global commercial insurance market will reach a market value of $1.22 trillion by 2028, growing at a CAGR of 8% during the forecast period. Government regulations and increasing...

Why Small Businesses Should Be Concerned About Cybercrime

December 29, 2022

Small businesses are just as vulnerable to cybercrime as multinational corporations. According to a report, there were about 847,376 reports of cyberattacks and suspicious activity in 2021. The...

Home Insurance Trends Likely to Catch the Eye in 2023

December 21, 2022

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, and supply chain...

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

December 16, 2022

As per Coalition Against Insurance Fraud, Americans are often victimized by fraudsters, with over $308.6 billion lost annually. This number unmistakably demonstrates that many are still out of...

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

December 6, 2022

A recent report outlines that catalytic converter thefts from cars have increased by 400% since 2019. Likewise, a survey by Business.org reveals how 54% of small businesses witnessed increased...

All You Need to Know About Employment Practices Liability Insurance

November 29, 2022

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 discrimination or harassment?...

What Does Thanksgiving Mean to the World of Insurance

November 21, 2022

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 safety of your family and...

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

November 14, 2022

A 2021 Deloitte study found that 85% of small business insurance buyers could purchase insurance through non-traditional channels. The uncertainty following the 2020 pandemic is undoubtedly a...

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

October 31, 2022

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 Institute has shed light...

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

October 19, 2022

Did you know that there are over 33.2 million small businesses in the US alone? They range from small-scale manufacturers to bakers and more. However, these small businesses, too, have to deal...

Is Your Insurance Program Adequate?

October 11, 2022

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 assets from such events....

What Apartment Building Owners Must Know About Insurance

September 30, 2022

By 2035, the US will face a soaring need for around 4.3 million more apartment buildings. Indeed, as the economy recovers and the need for housing grows, the demand for apartments will increase....

What Contractors Must Know About Professional Liability Insurance?

September 16, 2022

Did you know that 90% of businesses face lawsuits at least once? These litigations may result from anything from service mistakes, negligence, or non-delivery of products. Hence, insurance protection...

Understanding Valuable Property Insurance

September 13, 2022

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 or damage, it might not...

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

August 31, 2022

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 of vehicles that never...

The Insurance Concerns of Condo Associations

August 26, 2022

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 condo association's insurance...

The Good Driver’s Guide to Auto Insurance

August 17, 2022

The average expenditure on auto insurance has been rising for almost a decade now. On average, the liability premium grew by 30% from 2014 to 2018. The incurred losses due to car accidents were...

How Commercial and Personal Auto Insurance Are Very Different

August 16, 2022

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 which the vehicle is going...

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

July 29, 2022

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 losses. According...

Summer Series – Does Inflation Hit Your Insurance Premium?

July 25, 2022

At the time of writing, the inflation rate in the US is at 9.1%, per data released by the US Labor Department. To that end, a lot can change with insurance needs in a year, especially with inflation,...

A Quick Look at Travel Insurance Needs and Trends

July 20, 2022

Over 80% of Americans lost money due to trip cancellations during the pandemic. Naturally, Covid-induced uncertainties have bolstered the case for travel insurance which is witnessing a boom,...

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

July 14, 2022

The heatwave data released by National Oceanic and Atmospheric Administration (NOAA) in 2021 reveals how the number of heatwaves in the US increased from "two" per year in the 1960s to "six"...

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

July 5, 2022

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 about their choices...

Understanding NY State’s Disability Insurance rules

July 1, 2022

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 receive any long-term...

Things To Check in Your Home Insurance as Summer Approaches

June 20, 2022

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 without any notable...

Some Insurance Considerations for Homes on the Beach

June 14, 2022

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 insurance, while owners...

A Retail Store’s Guide to Insurance

June 4, 2022

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. Retail businesses are dependent...

How has motor insurance evolved over the course of time?

May 19, 2022

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 the outlook of the motor...

What you should look for in commercial property insurance

May 17, 2022

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? Obviously, there are...

What would WE want our insurance provider to be like?

May 2, 2022

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 go out of their way to...

Why umbrella insurance makes sense even if you have other policies

April 25, 2022

Having multiple insurances is normal. You ask why? Well, the norms are different for every instance, and being covered from all angles makes your life easy. Every insurance policy has different coverage...

Understanding Deductibles in Insurance

April 20, 2022

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, insurance jargon can...

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

April 19, 2022

Natural disasters affect more than 218 million people per year. And more often than not, people struggle financially to cope with the aftereffects of such climate calamities. According to a recent report,...

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

April 4, 2022

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 and unexpected phenomena....

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

March 28, 2022

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. While a new roof must have...

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

March 17, 2022

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 an estimated 300,000...

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

March 4, 2022

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 happens leaves long-term...

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

February 24, 2022

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 work with. That's why it's...

How Condo and Co-Op Insurance Is Different

February 15, 2022

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 liability for harm to...

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

February 7, 2022

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 called adaptive reuse....

How Small Stores Can Protect Themselves from Theft

January 14, 2022

It's been all over the news lately – smash and grab incidents to the tune of $340,000 last year. These are growing in number and pose a real risk to shop owners. Not only are you losing thousands of...

Why Do Insurance Claims Get Rejected?

January 4, 2022

According to the US Department of Labor, around 14% of all submitted medical claims are rejected. That's over 200 million denied claims. The rejections are just as high for other types of insurance, including...

More about Business Owners Policy coverage

December 20, 2021

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 interruptions, loss...

Take A Relook At The Insurance Coverage Your Small Business Has

December 6, 2021

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 in every place, however...

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

November 12, 2021

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 temperatures to heavy...

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

November 8, 2021

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

What Small Businesses Must Understand About Insurance for Contractors

November 3, 2021

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, disaster strikes! A worker...

A Primer On Commercial Auto Insurance

October 22, 2021

The commercial auto insurance market size in the United States stands at USD 51.5 billion in 2021. This market is growing faster than the overall economy. Obviously, with millions of commercial vehicles...

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

October 12, 2021

31% of all homebuyers in the United States were first-time homeowners in 2020. However, in a survey by Realtor.com with 3000 American respondents, 44% of homeowners did not have a clear understanding of...

Insurance Considerations For Fall 2021

September 28, 2021

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 a better understanding...

Understanding Restaurant Cooking Exposures

September 24, 2021

By Sue Quimby, CPCU, AU, CIC, CPIW, DAE According to the National Fire Protection Association (NFPA), cooking is the leading cause of all restaurant fires, resulting in over $153 million in damage per...

What Small Businesses Must Know About Unemployment Insurance

September 20, 2021

The United States has 30.7 million small businesses that employ a massive portion of the entire working population. But business is inherently risky and small business owners need to be aware of all the...

THE FUTURE OF DINING

September 10, 2021

by Sue Quimby, CPCU, AU, CIC, CPIW, DAE The COVID-19 pandemic changed the world in many ways, especially in the ways people obtain one of their most basic needs—food. As an item of necessity and often...

Demystifying Flood Insurance

September 8, 2021

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 than 50 people dead across...

The ABC’s of Portable Fire Extinguishers

September 3, 2021

By Sue Quimby, CPCU, AU, CIC, CPIW, DAE Everyone knows that fire extinguishers are a “must have” item in homes and businesses. However, most people probably do not know that different extinguishers...

Sinkholes – Are They Covered?

August 30, 2021

By Sue Quimby, CPCU, AU, CIC, CPIW, DAE Twenty percent of the land in the United States is susceptible to sinkholes, according to the United States Geological Survey (USGS). Sinkholes appear around the...

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

August 23, 2021

91.3% of households in the United States have access to at least one vehicle. The rate of car ownership is constantly on the rise thereby increasing the demand for car insurance. The average annual car...

Secondary Residences Surge

August 20, 2021

By Sue C. Quimby, CPCU, AU, CIC, CPIW, DAE The pandemic of 2020 was marked with significant changes to how people thought about vacations and travel. With travel restrictions, fears about flying, and new...

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

August 16, 2021

When to buy insurance can sometimes prove a tricky question to answer. Small businesses have different considerations at different stages of their lifecycle. But it’s true that similar questions are...

Portable and Supplemental Heater Safety

August 13, 2021

By Sue Quimby, CPCU, AU, CIC, CPIW, DAE As temperatures fall, the demand for and use of supplemental heating sources rises. Portable heaters are commonly used when the main heating system is inadequate,...

An Introduction to Hold Harmless and Indemnity Agreements

August 10, 2021

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. These agreements may...

How Local Conditions Impact Home Insurance Premiums

August 9, 2021

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, Marty does what any sensible...

Retail Store Insurance May Have Become A Bit More Complicated

August 6, 2021

Retail sales in the United States went up by 6.7% in 2020 despite the ongoing public health emergency. The retail sector has had a massive shift in recent years with the growing demand for online sales....

Home Appliances – Helps or Hazards?

July 30, 2021

By Sue Quimby, CPCU, AU, CIC, CPIW, DAE Home appliances have drastically changed how people live over the last century. They are great time savers and convenience items, as well as providing entertainment....

What Is Business Interruption Coverage?

July 29, 2021

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. It came in the form...

Equipment Breakdown – Not Just Boilers

July 23, 2021

By Sue Quimby, CPCU, AU, CIC, CPIW, DAE Equipment breakdown coverage, an often misunderstood coverage, can be an attractive complement to a company’s product line. Historically, coverage was marketed...

Insurance Questions for A Long Hot Summer

July 21, 2021

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 they don’t – so you’re...

How Small Businesses Can Prepare For The Post-COVID Reopening

July 20, 2021

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 total case count. But even...

Dog Bite Liability

July 16, 2021

By Sue Quimby, CPCU, AU, CIC, CPIW, DAE Dog bites or dog-related costs were responsible for more than one-third of all homeowners liability dollars paid out in claims, or over $530,000,000. (www.iii.org)...

Do Different Insurance Considerations Apply With Remote Employees?

July 14, 2021

Technology has enabled a significant change in work cultures and models driven by the exigencies of our times. Before the pandemic, 20% of the adults in the USA worked remotely. The number went up 71%...

Deciphering Debris Removal Coverage

July 9, 2021

By Sue Quimby, CPCU, AU, CIC, CPIW, DAE Debris removal coverage is an often overlooked, but very important, segment of a comprehensive property insurance program. Property insurance is intended to help...

Condominium Conundrums

July 2, 2021

By Sue Quimby, CPCU, AU, CIC, CPIW, DAE Condominiums present special challenges to the insurance agent. Common questions for the agent include: Doesn’t the association cover the building items? What...

Business Income Fundamentals

June 25, 2021

What Every Insurance Professional Needs to Know and Share with Policyholders By Sue Quimby, CPCU, AU, CIC, CPIW, DAE Business income coverage is one of the least understood insurance coverages, but it...

Avoiding Underinsurance Problems

June 18, 2021

By Sue Quimby, CPCU, AU, CIC, CPIW, DAE Most losses are partial losses. It may be tempting for an insured to try to control costs and only buy enough coverage to pay for the loss they think they could...

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

June 15, 2021

The most common way to define a micro business is through the number of employees in the organization. A business with 1 to 9 employees is usually termed as a micro business. Size and scale are also factors...

Asbestos: What You Should Know

June 11, 2021

By Sue Quimby, CPCU, AU, CIC, CPIW, DAE Asbestos is a group of naturally occurring minerals. Mined since the 1800’s, asbestos was long prized for its fire resistance, durability and ability to insulate....

A Note for the Small Businesses Killing It as Amazon Sellers

June 10, 2021

Over 1.9 million US businesses sell their wares on Amazon.In 2019, 58% of Amazon’s total sales were thanks to small and medium-sized businesses. Today, that number must have increased, due to the lockdown...

Why Cyber Security Insurance is Essential for Small Businesses

June 8, 2021

Does your small business accept digital payments? Do you use mobile devices for your work? How about computers? If you’ve answered ‘yes’ to any of these questions, you may be vulnerable to a cyber-attack....

Alternate Valuation Considerations

June 4, 2021

By Sue Quimby, CPCU, AU, CIC, CPIW, DAE Proper building valuation is a common concern for agents and their insureds. Proper valuation is important both when issuing the policy to determine the correct...

Some Cash Flow Management Tips For Small Businesses

June 3, 2021

Cash flow management questions keep cropping up for small businesses. It’s a fact of life that many small businesses fail to keep enough cash reserves. This hurts them when it comes to dealing with emergencies...

A Roof Over Your Head

May 27, 2021

By Sue Quimby, CPCU, AU, CIC, CPIW, DAE Having a roof over your head is one of life’s basic necessities. While essential, a roof can also be the cause of claims and problems. The roof is often the first...

A Liability Insurance Primer for Small Businesses

April 27, 2021

Small businesses often tend to ignore the need for insurance due to the associated cost of insurance or a misleading belief in the low probability of major risks impacting their organizations. However,...

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

April 19, 2021

Various internal and external sources of risks can cause significant damage to business operations. One significant investment businesses incur is real estate. The office or other buildings that are key...

What Tech Start-ups must know about Insurance?

April 9, 2021

The United States is the largest tech market globally with presumed market size of $1.6 Trillion in 2019. Disruption is a fact of life here and startups come and go at a dizzying pace. In fact, the industry...

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

March 25, 2021

The images linger in our memory of the streets of Dallas covered in snow after a raging winter storm slammed the city. Images of snowed-in shops and stark-white streets filled the news only a few weeks...

What Amazon’s Small Merchants Must Know About Insurance

March 23, 2021

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 – to have product liability...

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

March 12, 2021

What is the first thing that comes to your mind when you think about business insurance? For many small business owners, it may well be - ‘Later’. But this particular word is the root cause...

The Workers’ Compensation Questions Small Businesses Must Answer

February 19, 2021

Did you know that in 2019 alone, there were 888,220 nonfatal injuries and illnesses in private industry occupations? This figure doesn’t include workplace fatalities. Situations like these are deeply...

Understanding the Wide Scope of Employment Practices Liability Insurance

February 15, 2021

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 personal ethics. They...

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

February 10, 2021

According to the National Insurance Crime Bureau, fraudulent claims in worker’s compensation may amount to $80 billion annually in the USA. While some large-scale businesses may have additional...

Taking A Look At Retail Store Insurance From Our Perspective

February 5, 2021

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 for the sector,...

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

February 1, 2021

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 projects. Construction sites...

Home business owners must know this about insurance.

January 27, 2021

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. Sadly, this may not be...

Why Higher Liability Limits Are Better Than Lower?

January 13, 2021

Some risks cannot be measured, and the only apt strategy is to be prepared all the same. When talking about business liability, even a simple slip and fall on the premises can cost you a lot. Business...

Small Business Insurance Is About More Than Damage Management

December 28, 2020

In 2017, about 75% of businesses in the US didn’t have adequate insurance coverage, and about 40% of small business owners didn’t care to get any insurance at all. This was, of course, dangerous....

What Landlords Must Know About ‘Discrimination Claims’

December 28, 2020

Being a landlord is not easy! Besides ensuring tenants are available and that they pay the rent on time and that the property is well taken care of, the landlord needs to safeguard his/her interests against...

Why Food Trucks Must Have Insurance On The Menu

December 28, 2020

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. With most of their customers, i.e.,...

What Digital Small Business Should Consider For Insurance

December 10, 2020

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, if not for the internet....

Can Insurance Help Small Businesses Grow?

December 4, 2020

“Don’t be afraid to give up the good to go for the great.” – John D. Rockefeller, industrialist and philanthropist Are you the owner of a small business? Do you have insurance? If your answer is...

Insurance Has An Unexpected Seat At The Thanksgiving Table

November 20, 2020

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 expects an amazing occasion like Thanksgiving to end in disaster, but it happens. ...

Winter Is Coming – Is Your Insurance In Place?

November 5, 2020

Winter storms caused insured losses of $2.1 billion in 2019 as against $3 billion in 2018. One out of 15 homes raises a claim every year in these colder months. Winter damages, snowfall,...

What Auto Repair Shops Must Know About Insurance

October 31, 2020

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 the challenges effectively. ...

How Can A Small Business Evaluate A Recommended Insurance Package?

October 23, 2020

There is no denying that investing in a suitable insurance package will never go waste. About 40% of businesses claim insurance within ten years, and 20% of small business insurance claims concern...

Your Employment Practices Liability Insurance Primer

October 10, 2020

Running a business is risky, no doubt, but the risks are not only in market conditions. As a business owner, you should also be aware of the internal risks that your company faces before they escalate....

What Small Businesses Must Know About Environmental And Pollution Coverage

September 21, 2020

Awareness of the environmental responsibility of businesses is increasing, thanks to the efforts of industry leaders and influencers. The social and environmentally responsible corporate is also largely...

The Quick Guide To Buying Suitable ‘Retail Store Insurance’

September 16, 2020

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 from lockdowns, retail...

How Our Experience Makes Us Draw Up Much Better Condo Insurance Policies

August 21, 2020

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 the blame doesn’t lie...

3 Essential Coverages We Recommend To All Apartment Building Owners

August 12, 2020

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 to a report by the Insurance...

What Insurers Don’t Know About The Trials And Tribulations Of Owning Property

July 31, 2020

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 of the investment. One...

What Small Businesses Must Know About “Business Interruption Insurance”

July 20, 2020

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 operations and the...

What Are Some Insurance Considerations For Service-Oriented Businesses?

July 10, 2020

Americans are extremely aware of the importance of insurance in their lives and businesses. According to a report by Deloitte, the Property & Casualty sector of the US insurance industry saw a...

5 Examples To Demonstrate The Great Value Of Insurance

May 13, 2020

The insurance industry in the US has always been pivotal to consistent economic growth. According to Policy Advice, in 2015, the insurance carriers contributed more to US GDP than even banks for the...

How To Decide The Amount Of Coverage You Should Purchase

May 12, 2020

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 to maintain your lifestyle...

Just What Should You Cover With ‘Valuable Property’ Insurance?

April 27, 2020

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 if such a thing happens!...

10 Things You Should Know About Workers’ Compensation Coverage

April 19, 2020

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 business is not only defined...

Do You Need Insurance if Your Equipment Is Covered By A Warranty?

April 2, 2020

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 to ensure the proper functioning...

How To Maximize The Chances of Your Claims Getting Approved

March 14, 2020

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 accident that has damaged...

What Small Businesses Should Do To Combat Any Impact of The Coronavirus

March 10, 2020

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) but when businesses contemplate...

Top 6 Reasons Small Businesses Should Get Insurance

February 15, 2020

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 owner, you have to consider...

Home business owners must know this about insurance.

January 19, 2020

5 risks your small business may not be insured against

December 30, 2019

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 of the most common threats...

The insurance implications of our winter

December 20, 2019

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 through their retail establishments...

Our key takeaways from Forrester’s “Emerging Risks Transform Small Business Insurance.”

November 28, 2019

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 on the planet, and the insurance...

Why that big brand insurance might not be right for you

November 1, 2019

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 when you need it the most....

Some Thoughts On The Insurance Needs Of Small Restaurants and Bakeries

October 27, 2019

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 or a bakery, you probably...

9 insurance terms and what they mean (small business edition)

October 20, 2019

Starting a business involves risk. But when something unexpected happens, having business insurance can be the difference between your business surviving or going under. Having business insurance safeguards...

Are you a pharmacy? Here is what you must know about insurance

October 11, 2019

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 customer. Negligence and...

What is umbrella insurance? Why you should care!

October 6, 2019

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 policies. It could...

5 things your home insurance probably doesn’t cover

August 13, 2019

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 the fine print isn't exactly...

The most common reasons why your car insurance claim may get rejected

July 28, 2019

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, there were around...

What the hurricane season means to insurance

July 23, 2019

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 winds moving at up to 111...

5 most common complaints homeowners have with insurance companies

June 29, 2019

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 you ever find yourself in...

How to prevent the most common water claim issues?

June 16, 2019

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 is best avoided. There are...

Know More about Employment Practices Liability and Why You May Need It?

June 3, 2019

Employment practices liability is a type of insurance that renders coverage to employers against claims made by employees alleging harassment, wrongful termination, discrimination, and other employment-related...

All You Need to Know about Insurance and Tax

May 31, 2019

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 against them. One way...

All the insurance a condo could need

May 30, 2019

Thinking about getting your condo insured? We've got you covered! But knowing more never hurt anyone. In this blog, we will explore the ABCs of condo insurance, and everything you need to know before...

5 things you must fully understand about your homeowner’s insurance policy

May 19, 2019

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 you against life's unpredictable...

5 Things to consider when it’s time to renew your insurance policy

May 2, 2019

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! Essentially, an insurance renewal...

The Top 7 Things Home-Owners Forget While Buying Insurance for Their Homes

April 26, 2019

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 comes the fear of uncertainty....

Why ‘Business Income Coverage’ may be the most important insurance coverage you haven’t considered yet (but you must!)

April 15, 2019

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, on the other, the continuing...

Flooding Can Occur Anywhere – Are You Prepared?

June 30, 2015

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 step...

The Often-Misunderstood Insurance Clause That Could Cost You $20,000 (Or More)

June 30, 2015

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

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 reality....

Building Ordinance Coverage – What It Is and Why You Need It

June 30, 2015

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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