Some businesses need more specialized commercial insurance than others. The specific type of business insurance can vary depending on the unique risks presented by the work environment and duties. If you are running a higher-risk business then you’re going to want our commercial specialists to create your coverages.
Bars and Restaurants
Bar owners and restaurateurs face a wide variety of potential disasters for which they can be held liable. Gonzalez & Company agents recognize the risks associated with the beverage and dining industry. That’s why our commercial specialists are so good at customizing insurance plans for your market. Our agents may recommend add-on protections like spoilage, food contamination, and mechanical breakdowns.
Auto Service and Repair
Your auto shop needs the proper insurance as a protection from the increased liability inherent in your business. Our commercial insurance specialists have the knowledge to create a thorough, cost-effective policy that covers everything from liability to property. No risk is ever overlooked. We also recommend add-on coverages like pollution liability.
Manufacturers
Gonzalez & Company has plenty of experience working with manufacturers. We work hard to be sure you’re only paying for the protections you’ll actually need. It’s important for manufacturers to have coverage for any damages that can disrupt cash flow, including equipment, machinery, raw materials, theft, liability, inventory, and business/computer, disaster recovery, and environmental/pollution.
Technology Companies
Gonzalez & Company has an entire division devoted to technology. So we understand that, unlike traditional companies, tech businesses require specialty insurance. Tech businesses face their own set of unique, potential liabilities. Our specialists work with every type of computer-based company, from dot com start-ups to hardware firms to programmer cooperatives. We offer add-on products for things like fraud, hackers, system failures, and other business interruptions.
Child Care Centers
Children can be unpredictable and prone to injuries and illnesses. Parents trust your child care center to nurture and protect their little ones. So when accidents happen or things go wrong, as they often do with kids, lawsuits can happen. You’ll be feeding, cleaning, teaching, and treating children in their parent’s absences. It’s a good idea to work with a top notch insurance carrier to secure travel protection, medical insurance, liability insurance, and much more.
Contractors and Carpenters
Construction and carpentry are a few of the highest risk industries and that risk continues even after a job is completed. Contractors can find their business involved in a lawsuit 10 years or more after the work was done. Time is not of great consequence if you’re being accused of failing to prevent someone from being hurt or even killed. Innocent mistakes today can result in lawsuits later. Our insurance specialists can get you the appropriate insurance for contractors or carpenters. We can also help you build and maintain a professional contracting or carpentry operation that is ready for potential risks.
Pollution/Environmental Coverage
Environmental insurance is a relatively new type of business coverage. Of course, it’s necessary for business owners and managers to educate their workers on how to properly comply with environmental regulations. You always want employees to be ready to handle pollution-based disasters, or better yet, avoid environmental or pollution problems.
At Gonzalez & Company we regularly participate in training that helps our specialists be up on the most current commercial insurance trends. We look at every aspect of your business before recommending any coverage. Commercial insurance options are endless: hazardous waste, physical damage, stop-loss, errors and omissions, and much more.
