Author Archives: Joaquin Alvarez

Employee Spotlight: Suraj Mistry

Here at Inszone, one of our missions is to make sure that every employee is appreciated, acknowledged, and recognized for their achievements. This Employee...

24 July 2026 • 6 min read

Your Workers’ Comp Experience Mod (EMR): How It Works and How to Lower It

Your experience modification rate (EMR) can cost or save you thousands. See how it's calculated, and how to lower it.

20 July 2026 • 6 min read

Commercial Umbrella Insurance: When Your Liability Limits Are Not Enough

A single lawsuit can exceed your general liability limits. See what commercial umbrella insurance covers, what it costs, and who needs it.

20 July 2026 • 7 min read

Condo Insurance (HO-6): What Your HOA’s Master Policy Won’t Cover

Your HOA's master policy doesn't cover your unit's interior, belongings, or liability. See what condo insurance (HO-6) actually covers.