Who’s Chris?

As a Certified Insurance Counselor, Chris Gonzalez wants to give the most information possible to better equip his clients in making smart decisions about their insurance coverage – and that’s why he decided to share his insights with you here.

Learn more about Chris, or read his latest insights below.

Meet Chris

The Insurance Implications Of Smart Homes And Smart Security

May 28, 2024

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

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Will Autonomous Cars Insure Themselves?

March 13, 2024

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...

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A Look at the Factors Impacting Commercial Property Insurance

May 30, 2023

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

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Understanding Tenant Discrimination Coverage

March 27, 2023

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...

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

March 16, 2023

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

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What Will 2023 Bring for the American Small Business Owner?

January 12, 2023

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...

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The Changing Trends in Insurance Linked to Weather Events

November 1, 2022

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...

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7 Businesses That Need Customized Insurance

September 27, 2022

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,...

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Is small business insurance changing?

June 4, 2022

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....

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

March 1, 2022

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...

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

January 26, 2022

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

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Some Random Thoughts About 2022 In the Insurance World

December 29, 2021

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...

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Insurance Considerations for the Holiday Season

December 27, 2021

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...

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How Insurance Needs And Retail Stores Grow Together

November 15, 2021

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...

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How Are Insurance Companies Being Influenced by Data Analytics?

October 28, 2021

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...

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The Evolving Commercial Real Estate and What It Means for Insurance

October 12, 2021

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

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Is Technology Changing How Customers and Insurance Advisers Engage?

September 9, 2021

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

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5 Insurance Myths Small Businesses Need To Stop Believing In Now

June 16, 2021

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

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

May 27, 2021

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

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

April 19, 2021

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

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

March 25, 2021

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

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The Personal Approach That Extends To Every Aspect Of Our Business

February 12, 2021

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

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5 Reasons For Small Businesses To Look At 2021 With Hope

December 21, 2020

It is not hidden that small businesses have been struggling amidst the pandemic and the other prevailing conditions. About 45% of...

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HO1 to HO8 - All the Flavors of Home Insurance Out There

December 4, 2020

Owning your own house is central to the American Dream is to. After struggling and striving...

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Why I Am Still Undecided About Automakers and Auto Dealers Offering Insurance

September 9, 2020

Auto insurance is one of the most profitable sectors of the insurance industry. Every car owner in the US needs to pay an average cost of $1,099 annually to secure his personal or commercial vehicle, as...

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What Is Forcing Insurance Companies And Carriers To Innovate Furiously Now

August 27, 2020

Just like many other sectors, the pandemic has brought serious changes to the way the insurance industry functions, forcing them to innovate rapidly to get aligned with the so-called “new normal”....

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Some New Risks Retail Businesses Are Likely To Face In The Post-COVID Future

August 5, 2020

As with any other sector, the retail world has been going through a series of interesting changes during the COVID-19 pandemic. Most of the brick-and-mortar stores were closed during the lockdowns that...

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Does Anything Change In Your Home Insurance While Working From Home?

July 24, 2020

The Covid-19 pandemic has, at last, established the remote working trend that was gaining traction among US companies only gradually in recent years. According to an analysis by Riverbed,...

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What I Have Heard About The Role Of Artificial Intelligence In Insurance

July 2, 2020

Artificial Intelligence, or AI, is said to be changing the world, as we know it. From processing huge chunks of data to enhancing memory capacity and cloud computing, AI is everywhere now. AI is being...

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Renting Out Your Building? Here Are Some Insurance Questions To Consider

June 29, 2020

When you’re renting out a property (or properties) you should consider several things at once, and insurance is an important factor. While many landlords are under the assumption that the basic landlord’s...

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What Commercial Building Owners Must Know About WFH And The Possible Impact On Them

June 18, 2020

Remote working has never been this popular before. The COVID-19 pandemic and the nationwide lockdown that followed to ensure social distancing has driven a remote working boom. According to a report...

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A Few Areas To Explore To Reduce Your Insurance Premium

June 8, 2020

There’s no denying that insurance is an important investment for every US citizen, who owns a car, or a property, runs a business, or simply wants to secure his/her financial future. According to the...

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How To Decide On The Best Time To Buy Insurance

June 1, 2020

Insurance is a massive business. The net value of insurance premiums stood at $1.22 trillion in 2018, according to a report by the Insurance...

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How To Know If Your Insurance Agency Is Right For You

May 26, 2020

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

How Commercial Property Insurance Will Change If Remote Working Becomes Common

April 25, 2020

Most large-scale enterprises and many small to medium business owners have resorted to remote working, as offices have shut down owing to the COVID-19 situation. This has led to a major upheaval in the...

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5 Best Insurance Practices That Always Benefit Small Businesses

April 20, 2020

The risks of starting a new business can’t be avoided, but they can always be offset with meticulous planning and effective implementation. You have to take care of the little details and make sure you...

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How Commercial Auto Insurance Will Change In the Age of Smart Cars

April 2, 2020

Automobiles are brilliant inventions of the modern age. There’s no doubt about it. But, in the wrong hands, they can turn out to be the worst. According to a report by Driver...

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How Insurance Premiums Get Affected By The Stuff In the Headlines

February 17, 2020

Do you know that the coronavirus outbreak has not only affected the health of many thousands of people but also hundreds of businesses worldwide?   Numerous Small to Medium Sized Businesses,...

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Why I Don't Think Technology Will Transform Insurance For Consumers

January 26, 2020

According to data from the National Association of Insurance Commissioners based on approximately 195,669 annual customer complaints, the biggest bones that customers had to pick with insurance companies...

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My Definition Of Customer Service For An Insurance Business

January 18, 2020

When you're in the insurance business, you talk a lot about customer service. Unfortunately, the insurance industry has earned itself a certain reputation of being cold and heartless folks who are always...

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This is what our customers say they love about Gonzalez Insurance

December 12, 2019

Every individual has different needs and goals. So does every small business. They are all unique and very specific. Your needs and goals WILL be different from mine. In fact, even if both of us...

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What’s the difference between a homeowner’s policy and condo insurance?

December 8, 2019

Getting insurance is kind of like choosing the coffee you want from among the plethora of options at Starbucks – except it’s ok to order something different from Starbucks. With insurance, you have...

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5 insurance decisions for your small business your agency should help you make

November 29, 2019

Sure, I’m willing to agree that purchasing an insurance policy can be a frustrating process. I can imagine business owners struggling to find the right policies and cover. I know the feeling that you...

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Have you considered the insurance implications of working with contractors?

November 20, 2019

You are probably already aware of the California Assembly Bill 5 (AB5) or what is popularly called the gig worker bill. The bill, passed by the California legislature, requires companies that hire independent...

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5 Questions You Must Ask Yourself Before Buying Insurance for you and your family

November 8, 2019

Have you ever woken up suddenly in the middle of the night worrying about the future? Most of us have done that, and it’s a sign. It’s a sign that you must consider doing something to safeguard...

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Yes - Even your passion project needs insurance

October 27, 2019

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...

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How should a small business choose an insurance agency?

October 20, 2019

Sadly, consumers have minimal trust in insurance companies. Don’t believe me? Here’s what Accenture and Deloitte...

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Should you buy insurance for your small business online?

September 24, 2019

Online insurance sales are booming! Today, many small businesses prefer to skip the agent conversation and buy insurance directly online. As Peter Breitstone, former EVP, sales, programs, and facilities...

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5 tricky questions about insurance in the digital age

August 2, 2019

While the world is going through a digital transformation in every industry, the way we deal with life and business must also evolve. The wave of Digital Transformation has enabled us to do so much so...

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All the insurance your property needs

July 23, 2019

Not to be confused with Homeowners Insurance, the purpose of Property Insurance is to protect the home structure from natural disasters (usually barring earthquakes and floods). If you own the property...

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What should small businesses should insure themselves against?

June 29, 2019

Is insurance for you, as a small business, even more important than mid-sized to large businesses? Well, if something goes wrong, you may not have the resources or resilience to bounce back. If you are...

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Is Your Business Insured Against Future Challenges?

April 24, 2019

From the day you start your business, you expose yourself to risks. Think of lawsuits, natural calamities or employee behavior -all these can wreak havoc on your business operations. Being unprepared can...

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The Hidden Deductible You Need to Know About

February 11, 2019

If you look at your homeowners’ policy, you may see an additional deductible. You probably didn't notice when you signed up. It's listed as a "2% wind deductible."...

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Flooding Can Occur Anywhere - Are you Prepared?

March 10, 2017

During Hurricane Sandy, over 1.58 million claims were filed to cover the costs of damage to homes, commercial businesses, and other property. 1.58 million is hard to picture, so let’s just take a...

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September 21, 2016

North Bergen, NJ – September 20, 2016 – [Chris Gonzalez, Gonzalez & Company Insurance Agency, Inc.] has earned the Chartered Financial Consultant® (ChFC®) professional designation...

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Chris Gonzalez Earns Certified Risk Manager (CRM) Designation

August 11, 2016

North Bergen, NJ – August 2016 Certified Risk Managers International recently conferred the designation of Certified Risk Manager (CRM) on a select number of individuals who completed...

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You Need to Know: the Liability Limit Code

November 16, 2015

We know – auto insurance policies often seem like gibberish, but understanding the liability limit code can mean the difference between paying for everything out of pocket, and standing back while your...

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Got Vacancy? Your Policy Might Be Void

August 19, 2015

We’ve recently heard of several cases where a building owner suddenly found their insurance policy was null and void – all because they hadn’t looked closely at an important clause that states a...

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Why You Should Take the Insurance the Rental Car Company Offers

August 19, 2015

You’re probably already shaking your head ‘no.’ You’re on vacation. You’re already spending too much money. Every travel article tells you that the rental car insurance is an unnecessary add-on,...

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Avoid Insurance Suspension – Learn About Protective Safeguard Endorsements

August 19, 2015

We spend a lot of time warning our clients about aspects of their policy that could render certain coverages unviable. Today, we’re going to talk about a clause that could suspend your entire policy...

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The 14 Most Common Mistakes People Make Shopping for Homeowners Insurance

August 19, 2015

We’ve been in the business a long time, and we’ve seen people make every mistake under the sun when buying homeowners insurance. We do our best to advise our clients to avoid these common pitfalls,...

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