Northgate Insights

Northgate Financial & Insurance Services, Inc. welcomes you to its blog. Many businesses and individuals use blogs to connect with clients, families, friends, etc. It has been suggested that Northgate begin its own blog to connect and inform; however, Northgate delayed and struggled with the idea because WHO wants to talk about insurance? This is not an exciting topic, and for many, the thought of insurance is boring, frustrating, and/or upsetting. Northgate was reluctant to begin this blog for these reasons, but the reality is there is a need in the industry and marketplace.

You will see a sample below of some of the topics Northgate intends to address with the blog. By gaining an understanding of insurance, you will be better served in its application. For many, these topics may be part of your job description and vocabulary. This is a way for Northgate to connect and educate. Each week Northgate will select a topic for the blog. If there is a topic that you wish to address or understand, please submit directly to Northgate at

  • Actual Cash Value/Replacement Cost
  • Additional Insured
  • CCIP/OCIP, Consolidated Insurance Programs
  • Claim(s)
  • Crime/Fiduciary Liability
  • Cyber Liability
  • Do I have coverage when I rent a car?
  • Earth Movement/Subsidence
  • Employment Practices Liability (EPLI)
  • Experience Modification Rate (EMR)
  • How can I get my loss runs?
  • Indemnification
  • Premium Basis
  • Waiver of Subrogation/Transfer of Rights 
  • What is professional liability, and why do I need it?
  • What is the difference between excess and umbrella?
  • Why am I paying so much for my insurance?
  • Wildfire Exposure

For more than a decade, Northgate has worked with businesses and individuals to ensure protection of their assets and interests. Depending on the state, the exposure and insurance requirements dictate coverage. With Northgate, clients can be assured that they will be protected regardless of the state nor the requirements. 




Technology is part of all of our lives and in many ways enable us to be more efficient. Especially during the pandemic, we all relied on technology more than ever. Whether it be our children or our careers, we were remote. As part of this transition, Northgate has developed a portal, InsurLink, that enables clients to access policy information and documents remotely. Through the portal, client information is shared. In real-time, Northgate clients can download or view auto ID cards, billing information, claim information, policy documents, etc.

Each client will receive an invitation email from Vertafore to create a login. Once the login is created, clients may access InsurLink through Northgate’s website InsurLink is accessible from the desktop or mobile. If you have not received your Vertafore invitation or have any questions regarding InsurLink or policy(s), please contact Northgate at (916) 349-8879 or email


With the blog and portal, Northgate anticipates providing relevant information consistently and in real-time. Look for the next weeks’ post about wildfire exposure


If you are not currently a Northgate client, why not? If you are in need of insurance for your business (automobile, general liability, property, workers compensation, etc.) or your person (automobile, homeowner, rental, umbrella, etc.) – please contact Northgate at (916) 349-8879 or email Northgate represents contractors, developers, individuals, professionals, property owners, etc. As brokers, Northgate’s appointments with over 100 insurance carriers ensures competitive coverages and premiums. Be assured that you will be satisfied.