George Gravenstine insurance, Moorestown Location

10/29/2026

FOOD RECALL ALERT: Kayem Foods Ready-to-Eat Meat & Poultry

At George Gravenstine Agency, LLC, we want to help keep our clients and community informed.

On October 17, 2026, USDA announced a recall of approximately 1.58 million pounds of Kayem Foods ready-to-eat meat and poultry products because improper storage temperatures may have made them unsafe. Affected products were distributed nationwide to retail and foodservice locations.

What should you do?

• Check your refrigerator, freezer, and business inventory against the official recalled-product list.
• Look for establishment numbers “EST. M/P 7839,” “EST. P 20935A,” or “EST. M 9520” inside the USDA inspection mark, then confirm the product details against the recall list.
• Do not eat or serve recalled products. Discard them or return them to the place of purchase.

At the time of USDA’s announcement, no related illnesses had been confirmed. Anyone concerned about illness should contact a healthcare provider.

View the recall notice and product-list links here: USDA recall information.

Questions? Contact Kayem Foods at 800-426-6100.

Please share this alert with family, friends, and foodservice businesses.

10/22/2026

Why Good Insurance Service Matters After the Policy Is Written

By George Gravenstine, CRIS

George Gravenstine Agency, LLC

Getting an insurance policy placed is important, but the relationship should not end when the policy is issued.

In many ways, that is when the real work begins.

Throughout my career in insurance, I have always believed that service after the sale is one of the most important parts of what an insurance agency provides.

Clients regularly need certificates of insurance, vehicle changes, additional insured endorsements, policy updates, claim assistance and explanations of coverage.

When those needs arise, prompt communication matters.

For a contractor waiting to begin a job, a certificate may be time-sensitive. For a business adding a vehicle, coverage needs to be addressed immediately. When a claim occurs, a client may need guidance at a stressful and unfamiliar time.

Those situations are where a responsive insurance agency can provide real value.

Good service also means keeping accurate information.

Policies should reflect current vehicles, locations, equipment, payrolls and operations. When something changes, the insurance program should be reviewed and updated when necessary.

It is also important to follow through.

When a policy change is requested, someone should confirm that the endorsement was actually processed. When a claim is reported, appropriate follow-up should occur. When renewal approaches, the account should be reviewed before the last minute.

These may seem like small details, but in insurance, details matter.

After more than 35 years in this business, I continue to believe that clients remember how they were treated when they needed help.

Technology may continue to change the way insurance is delivered, but responsiveness, communication and follow-through will always be important.

At George Gravenstine Agency, LLC, our goal is not simply to place insurance. It is to be available to our clients throughout the year and help them navigate the insurance issues that come with owning a home, operating a business or managing everyday risks.

George Gravenstine, CRIS

George Gravenstine Agency, LLC

Moorestown, New Jersey

10/15/2026

🚛 One vehicle. One employee. One accident. A major impact on your business.

Whether you operate two service vans or 50 trucks, driving for business can be one of your company’s largest liability exposures. Deliveries, trips between job sites, sales calls, and even an employee running a business errand create risk.

A serious accident can mean injuries, lawsuits, lost productivity, damaged equipment, and higher insurance costs. For a smaller company, losing one driver or vehicle can disrupt the entire operation.

Fleet safety starts before anyone turns the key:

✅ Review driver qualifications and driving records.
✅ Establish clear rules on phones, speeding, and seat belts.
✅ Keep vehicles maintained and document inspections.
✅ Set realistic schedules that allow for traffic, weather, and rest.
✅ Train employees and address unsafe driving promptly.
✅ Establish clear accident reporting procedures.

Employees using personal vehicles for company business deserve attention, too. Your exposure extends beyond the vehicles your company owns.

At George Gravenstine Agency, LLC, we can help you review your driving exposures, commercial auto coverage, hired and non-owned auto liability, and umbrella limits—and identify practical steps to strengthen your fleet safety program.

Protect your people, your business, and everyone sharing the road. Contact us to review your coverage.

10/08/2026

🌀 Hurricane Preparedness Starts Before the Storm

At George Gravenstine Agency, LLC, we encourage you to take a few simple steps now to help protect your family, home, and business:

✅ Make a plan. Know your evacuation route, include pets in your preparations, and follow instructions from local officials.

✅ Stock essential supplies. Have at least three days of water, nonperishable food, medications, flashlights, and batteries. Charge phones and backup power banks.

✅ Prepare your property. Clear gutters and drains, secure outdoor furniture, and keep important documents in a waterproof container.

✅ Document what you own. Take photos or videos of your belongings and store a copy somewhere you can access away from home.

✅ Review your insurance early. Understand your coverage, limits, and wind or hurricane deductibles. Most homeowners policies do not cover flooding. NFIP flood insurance generally has a 30-day waiting period, with certain exceptions—so plan ahead.

We’re here to help. Contact George Gravenstine Agency, LLC to review your home, auto, business, and flood insurance options before the next storm approaches.

10/02/2026

10/01/2026

Snow plow contractors: Protect your business before the first snowfall!

A slip-and-fall claim can surface long after a storm ends. Strong contracts, safe work practices, and excellent records can make a major difference in protecting your business.📝

Start with clear, written contracts. Define the areas you service, when plowing begins, who handles salting and sidewalks, and who is responsible for follow-up inspections. Have your attorney review the terms before signing.

Document every visit. Keep logs showing arrival and departure times, weather and surface conditions, work completed, salt or deicer applied, and the employees or subcontractors involved.

Keep supporting evidence. Save time-stamped photos, GPS records, customer instructions, inspection notes, and reports of hazards or incidents. Complete records promptly and consistently.

Follow through on safety. Train your crews, maintain equipment, and address changing conditions—including refreezing after the storm.

Good procedures can help prevent losses. Good documentation can help defend claims. Together, they can strengthen your insurance application and support more competitive coverage options over time. Premium savings depend on your operations, claims history, and the insurance market.

At George Gravenstine Agency, LLC, we can help review your snow removal coverage, identify insurance requirements in your contracts, improve your documentation practices, and explore available options for managing your insurance costs.

Contact us before the snow flies—let’s get your business ready for winter.

agency

09/30/2026

Helping Small Businesses Build Better Insurance Programs

By George Gravenstine, CRIS

George Gravenstine Agency, LLC

Small business owners wear many hats.They manage employees, customers, vendors, finances, equipment, contracts and day-to-day operations. Insurance is important, but it is often only one item on a very long list of responsibilities.

That is one reason I have always believed an insurance professional should make the process as understandable and practical as possible.

After more than 35 years in the insurance industry, I have seen how quickly a small business can change. A company may add employees, purchase vehicles, lease another location, buy new equipment or take on larger projects.

Each of those changes can affect insurance.A good insurance review should look beyond the expiration date and premium. It should consider what the business actually does today
For contractors, that may mean reviewing tools, equipment, commercial vehicles, subcontractors and contractual insurance requirements
For restaurants, it may mean reviewing property values, equipment, liquor liability, workers compensation and business interruption exposures.

For professional businesses, cyber liability, employment practices liability and appropriate liability limits may become increasingly important.The goal should be to identify exposures before they become problems.

Another important part of the process is communication. Business owners should understand what their policies are designed to cover, what exclusions may apply and what responsibilities they have during the policy term.

Insurance does not need to be unnecessarily complicated.My approach has always been to explain coverage clearly, ask the right questions and help clients make informed decisions about protecting their businesses.

Small businesses are the backbone of many communities, and helping business owners protect what they have worked hard to build continues to be one of the most rewarding parts of my career.

George Gravenstine, CRIS

George Gravenstine Agency, LLC

Moorestown, New Jersey

09/24/2026

If your car is totaled, take a close look at the valuation.

A recent New Jersey case challenged GEICO’s use of a vehicle condition adjustment in total-loss payouts. A federal judge ruled that the claims could not proceed as a class action because determining whether someone was underpaid requires a review of that person’s vehicle and payout. The driver’s individual claim can still proceed. The ruling did not decide that every GEICO payout was correct—or that the adjustment was improper.

For drivers, the practical lesson is to review the valuation report before accepting a total-loss settlement. Check the comparable vehicles, mileage, options and condition listed. If something is inaccurate, ask the insurer to explain or correct it, and keep records that support your vehicle’s value.

After more than 30 years in insurance, I know how confusing a total-loss claim can feel. If you have questions about your auto coverage or a valuation you’ve received, George Gravenstine Agency, LLC is here to help you understand the information and your options.

Read the Insurance Journal article.

https://www.insurancejournal.com/news/east/2026/09/08/884283.htm

A federal judge has declined to approve a class action lawsuit accusing GEICO of underpaying losses for totaled vehicles in New Jersey. The court declined

09/17/2026

Is Your Home and Business Ready for Winter?

After more than 30 years in the insurance industry, I have seen how quickly freezing temperatures, snow, ice, and winter storms can cause serious damage. A little preparation now can help prevent costly problems later.

Before winter arrives:

• Have your heating system and chimney inspected.
• Insulate exposed pipes and shut off exterior water lines.
• Clean gutters and check your roof for damaged or missing shingles.
• Trim branches that could fall during a storm.
• Test smoke and carbon monoxide detectors.
• Keep walkways, entrances, and parking areas clear of snow and ice.
• Prepare an emergency kit with flashlights, batteries, blankets, and essential supplies.
• If you are traveling, keep your vehicle properly maintained and carry a winter emergency kit.

Winter preparation also includes reviewing your insurance. Make sure your homeowners or commercial property policy has adequate building and replacement-cost limits. Business owners should also review coverage for equipment breakdown, business interruption, water damage, and snow-and-ice liability.

Remember that insurance policies do not cover every type of loss. For example, damage caused by poor maintenance may not be covered, and flood damage generally requires separate flood insurance.

At George Gravenstine Agency, LLC, we can review your current insurance program, explain your coverage, identify possible gaps, and help make sure you are properly protected before winter weather arrives.

Don’t wait until a pipe freezes or a storm causes damage. Contact us today for an insurance review and let our experience work for you.

George Gravenstine Agency, LLC
Experienced guidance. Personal service. Protection you can count on.