George Gravenstine Insurance Moorestown

George Gravenstine Insurance Moorestown 0ver 37 years of experience as a insurance broker, managing all types of insurance.

06/18/2026

Be prepared. It's that time of year again. Hurricane Season. As an insurance broker with 30 years of experience, I’ve seen firsthand that the best hurricane claims are the ones we can help prevent.

Before the next storm forms, take a few minutes to prepare: review your homeowners policy, confirm whether you have flood coverage, photograph your property and valuables, and store important documents in a waterproof place. Also, make sure your emergency kit includes water, medications, batteries, chargers, cash, and supplies for pets.

Hurricanes move fast. Preparation gives you options, protects your family, and can make the recovery process much smoother.

Stay safe, stay prepared, and don’t wait until the cone is pointed your way.

06/12/2026

Princeton Hydro is currently removing spatterdock from Strawbridge Lake as part of an ongoing effort to improve water quality and enhance the habitat for the fish, wildlife, and other organisms that call the lake home. Excessive spatterdock growth can contribute to low dissolved oxygen levels and elevated nutrient concentrations, which can negatively impact the overall health of the lake.

Using a process known as mechanical hydro-raking, Princeton Hydro's amphibious tracked equipment loosens and removes the spatterdock and its root system. The plant material is then brought to the surface for collection and proper disposal. This work is being performed in accordance with NJDEP permits and is expected to be completed before July 1.

06/11/2026

KNOW THE IMPORTANCE OF HAVING AN EMPLOYEE HANDBOOK

After 30 years in the insurance industry, I’ve seen one thing over and over: businesses that take time to put clear policies in writing are better prepared when problems arise.

An employee handbook is more than paperwork. It helps set expectations, explain workplace policies, outline benefits, support consistent decision-making, and reduce misunderstandings between employers and employees.

It can also play an important role in protecting your business when employment-related claims come up.

Your business insurance helps protect what you’ve built, but strong internal procedures help prevent issues before they become claims. A well-written employee handbook is a smart step every business owner should consider.

06/06/2026

‼️ONE MORE WEEK‼️ Next Saturday 10-5 at the corner of Haines Dr and Kings Hw. See you there!!

06/04/2026

Why Contractors Need Installation Coverage in Their Insurance Program

After 30 years in the insurance business, I have seen one coverage gap cause contractors more problems than almost any other: assuming their standard property or liability policy automatically covers materials once they are being installed.

For contractors, the job does not begin and end with labor. Materials, fixtures, equipment, and components often move through several stages before the project is complete. They may be stored at your shop, transported to the jobsite, staged on location, or partially installed before the work is finished. At each point, those materials can be damaged, stolen, or lost.

That is where installation coverage becomes important.

Installation coverage is designed to protect property that a contractor is installing, typically while it is in transit, at the jobsite, or awaiting final acceptance. Without it, a contractor may discover too late that materials damaged by fire, theft, vandalism, water, or other covered causes of loss are not properly protected under their existing policy.

Consider the cost of today’s materials. HVAC systems, electrical equipment, custom cabinetry, flooring, windows, plumbing fixtures, and specialty materials can represent a significant part of a contract. If those items are damaged before the owner accepts the work, the contractor may still be responsible for replacing them. That can quickly turn a profitable job into a financial loss.

Installation coverage is especially important for subcontractors and trade contractors who regularly handle materials that belong to a project but may not yet be covered by the owner’s builder’s risk policy. Even when a builder’s risk policy exists, contractors should not assume it fully protects their interests. Coverage terms, deductibles, exclusions, and responsibility for loss can vary widely.

The best approach is to review each contractor’s insurance program carefully and make sure installation exposure is addressed before a claim occurs. The right coverage can help protect materials, preserve cash flow, and keep a project moving forward after an unexpected loss.

In my experience, contractors who take the time to understand this coverage are better prepared, better protected, and less likely to face costly surprises. Installation coverage may not always be the first thing a contractor thinks about, but it should be an important part of any well-designed insurance program.

06/04/2026

We are a few days away from our annual Moorestown Day 2026, taking place this Saturday, June 6th, from 9 AM - 3 PM right on Main Street. Come out and enjoy a day filled with vendors and family fun.

Beer and wine will be available - Craft Brewery Thirty Three and Zeds Beer - so make sure to stop by the MBA table to get your tickets.

05/31/2026

Get excited… We are just 14 days away from the 8th Annual Moorestown Paddleboard and Kayak Race!
⭐️ See you there! ⭐️

05/28/2026

Summer Storms Can Arrive Fast. Is Your Family and Property Prepared?

After 30 years in the insurance business, I have learned one thing about summer storms: they do not give much warning, and the damage they leave behind can be life-changing.

Summer storms can bring several risks at once. Strong winds can tear off shingles, damage siding, knock down fences, or send tree limbs into roofs and vehicles. Hail can dent cars, break windows, and damage roofing materials. Heavy rain can overwhelm gutters, flood basements, and create dangerous driving conditions. Lightning can cause fires, damage electronics, and put lives at risk.

One of the most overlooked risks is flooding. Many homeowners are surprised to learn that standard homeowners' insurance typically does not cover flood damage. Flood insurance is a separate policy, and it usually must be purchased before a storm is on the way.

Steps You Can Take Before the Storm

A few simple actions can help reduce damage and keep your family safer:

Trim weak or overhanging tree branches near your home, garage, and driveway. Clean gutters and downspouts so water can flow away from the house. Secure patio furniture, grills, umbrellas, and outdoor decorations before severe weather arrives. Check your roof for missing shingles or visible wear. Make sure sump pumps are working properly, and consider a battery backup in case the power goes out.

Review Your Insurance Before You Need It

The worst time to discover a gap in coverage is after a loss. Before storm season is in full swing, take time to review your homeowners, renters, auto, business, and flood insurance policies.

Ask yourself:

Do I have enough coverage to rebuild or repair in today’s market?

Do I understand my wind, hail, and hurricane deductibles?

Are my detached structures, fences, sheds, or garages covered?

Do I have sewer backup or water backup coverage?

Do I need flood insurance?

Is my personal property coverage enough for what I own?

Insurance is not just about having a policy. It is about having the right protection when life takes an unexpected turn.

Then contact your insurance agent or broker as soon as possible. A good broker can help you understand your coverage, explain the claims process, and guide you through the next steps.

Final Thought

Summer storms are unpredictable, but your preparation does not have to be. A little planning today can protect your home, your finances, and your peace of mind tomorrow.

As an insurance broker with 30 years of experience, my advice is simple: do not wait until the sky turns dark to think about your coverage. Review your policies now, prepare your property, and make sure your family is safe. Stay safe this summer, and make sure you are protected before the storm arrives. a plan.

05/27/2026

There is still time to sign up to race! Spots available in all race categories (1,2,& 4 miles, kayak, touring kayak, tandem kayak, and paddle board). Visit strawbridgelakebc.org for more information! ⭐️🚣‍♀️

05/21/2026

Your insurance policy is not a set-it-and-forget-it document — and ignoring it is costing you money.

I've sat across from hundreds of business owners who hand me a policy renewal and say, "just make sure nothing changes." I understand the impulse — you're busy running a business. But that single habit is one of the most expensive mistakes I see, year after year.

Your insurance program is built on three pillars. Understanding all three is the difference between a policy that protects you and one that quietly drains your bottom line.

The three pillars every owner must know

Coverages

What is actually covered — and just as important, what is not. Every exclusion is a gap in your armor.

Exposures

The specific risks your business faces based on your industry, operations, employees, and physical assets.

Endorsements

Add-ons that modify your base policy — some expand coverage, others quietly restrict it. Know every one by name.

Let me give you a real-world example. A restaurant owner I worked with was carrying a general liability policy that had a "liquor liability exclusion" endorsement buried in page 47. He served beer and wine. When a patron incident occurred, he had zero coverage — and a six-figure out-of-pocket settlement. He had signed that policy three years in a row without ever catching it.

"A gap in coverage you don't know about isn't protection — it's a ticking clock."

How knowledge directly controls your costs

You over-insure assets you no longer own, carry duplicate coverages across policies, and miss credits for safety programs or certifications you've already implemented.

With understanding

You right-size your limits, eliminate redundant coverage, negotiate credits tied to your real loss history, and use endorsements strategically to plug actual gaps — not imaginary ones.

Premiums are driven by exposure data. When you understand your own exposures — your payroll, revenue, vehicle fleet, products liability, contractual obligations — you can present a more accurate, more favorable risk profile to underwriters. Sloppy exposure data inflates your premium. Clean data negotiates it down.

My ask to every business owner reading this: schedule an hour with your broker before your next renewal. Not to rubber-stamp it — to interrogate it. Ask what each coverage actually pays in a claim scenario. Ask what endorsements are attached and what they do. Ask what exposures might have changed in the past year and whether your policy still reflects reality.

Thirty years in, I can tell you: the business owners who treat their insurance program as a living document — not a filing cabinet item — consistently pay less and recover faster. That's not luck. That's literacy.

Address

119 N. Church Street
Moorestown, NJ
08057

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+6097367231

Website

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