Author: Chris Gonzalez

How Small Insurers Are Redefining Risk by Understanding Human Behaviour

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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, the American insurance industry was fundamentally supported by the use of actuarial science, which is the collection of cold, hard data into enormous risk pools. Broad categories were… Read more »

How Predictive Maintenance Can Reduce Insurance Claims

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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 equipment suddenly fails? You know the drill: the frantic calls, the unexpected downtime, the scramble to fix things, and then… the looming shadow of… Read more »

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

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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 contractors in the U.S. usually associate the term “responsibility” with a mere concept—a subject that is discussed in the news about large companies rather than… Read more »

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

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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 a spare room, vacation home, or investment property into an income stream through platforms like Airbnb and VRBO have stoked the imaginations of legions of Americans. Short-term rentals (STRs)… Read more »

5 Signs Your Car Needs Servicing Before It Breaks Down

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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 serve as something more than an option for convenient transportation; it also gives you a vitally important sense of connection to work, school, shopping,… Read more »

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

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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 currently confronting U.S. commercial real estate owners is the ever-spiraling insurance premium costs. While brick-and-mortar investments have to be insured, this becomes a heavier cost day-by-day. According… Read more »