General Liability
Coverage for certain third-party injury, property damage, and liability claims.
Independent agency · Northeast Florida
Business insurance that starts with understanding your business.
Every business faces a different combination of risks. We’re here to help you understand the exposures that matter and evaluate insurance options that fit your operations.
Real-world perspective
We’ve been on your side of the table.
Gil Gonzalez brings decades of experience as an entrepreneur, executive, and business operator. His background includes insurance, construction, real estate, logistics, healthcare, and technology.
He understands the realities of managing people, protecting assets, meeting contractual obligations, controlling costs, and keeping a business running.
At Gratia, we start by learning how your business actually works, then help you identify the risks and insurance coverage worth considering.
Coverage conversations
Business coverage to consider
These are product categories, not a promise that a policy is available or suitable for every business. Eligibility, terms, and availability depend on the insurer and your operations.
Commercial Property
Options for buildings, inventory, equipment, and other business property.
Business Owners Policies
Packaged property and liability coverage for eligible businesses.
Workers’ Compensation
Coverage addressing certain work-related employee injuries and illnesses, subject to applicable requirements.
Commercial Auto
Insurance options for qualifying vehicles used in business operations.
Professional Liability
Coverage designed to address certain claims involving professional mistakes or omissions.
Umbrella & Excess Liability
Additional liability limits for eligible underlying exposures.
Cyber Insurance
Options addressing certain cyber incidents, subject to underwriting and available markets.
Actual policy terms, exclusions, limits, and eligibility vary. We’ll discuss options available for your business.
Operations differ
Industries we know from the inside.
Gil’s experience includes construction and contracting, real estate and property operations, transportation and logistics, healthcare, technology, and professional services. That is business operating and management experience—not a claim of insurance certification in each field.
A useful conversation starts with what you do, who you serve, what assets you rely on, and what requirements your contracts or landlord may impose.
Let’s talk about your business.
Tell us what you do, how your business operates, and where your concerns lie.