Category: Uncategorized

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 seaside cottage, or a calm lakeside retreat—has demanded a lot of labor from you. When a guest falls on the deck, a storm brings water into the… Read more »

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 target for cybercriminal vaunts because it manages vast amounts of highly sensitive personal financial information and medical records. Over the decade that just elapsed, major breaches have… Read more »

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 early projections indicate this one could end up being just as volatile as last year. According to Colorado State University… Read more »

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 requirements, including workers’ compensation, Commercial General Liability (CGL) insurance, and compliance bonds or letters of credit. These changes, part of the newly established Home Improvement and Home… Read more »

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., there are more than 14.4 million children under 6 years old (67.8% of that age group) who are children… Read more »

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 you have a lawsuit. Even worse, that contractor takes your money and disappears halfway through the project; your house is left… Read more »

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 Contractor Licensing Act—have increased the stakes for contractors. Some might consider these changes nothing more than a bureaucratic hurdle, but for others, they are valuable… Read more »

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 30 of the next. In relation to fiscal year 2025, the policy changes regarding funding for healthcare and insurance subsidies… Read more »

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) and Home Elevation Contractor Businesses (HECBs) now must present proof of Workers’ Compensation Insurance, along with compliance bonds and commercial general liability insurance, to proceed with securing, renewing, or reviving… Read more »

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 at historical data and broad statistical models. Now, the collision of the Internet of Things (IoT) with Telematics is paving the way for the transformation of car insurance… Read more »