Due to COVID-19, companies have shifted their employees to work remotely either on a temporary basis or perhaps even on a permanent basis. A consequence of this strategy rarely considered is the insurance liabilities for both the employer and employee with work performed at home. Because most business general liability policies are written based on employees primarily working at a company's premises, you should have a J.P. Perry agent review your current coverage to see if the policy terms still meet your risk profile. Liability areas that could change with remote work include...
For small business owners, hiring and managing employees can be a rewarding but stressful part of the job. During uncertain times, maybe you need extra help but are thinking twice about committing to an official employee. So when should you hire, and when might an independent contractor or outsourcing company be a better fit? Here are some tips to guide that decision.
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With COVID19 interfering with work production and business profitability, having enough workers to keep your business going can be a tricky issue. Many companies are turning to temps or independent contractors to help fill their employee needs. But according to J.P. Perry Insurance, you better make sure your liability is covered when outsourcing workers.
When assisting elderly family members, most attention is paid to health insurance and health care coverage. But with older family members, particularly those who still live in their homes, you cannot overlook their property and casualty insurance coverage. In most cases, their liabilities are with their home and automobile. The personal lines staff at J.P. Perry Insurance has some specific strategies you should consider to help address insurance issues for your loved one.
Halloween is always a fun time for kids and adults to dress up and enjoy spooky times with each other. And while many Halloween activities may be toned down considerably this year because of the pandemic, J. P. Perry wanted to offer some guidance regarding your liabilities as a homeowner when celebrating Halloween any year.
If you have a second home, like so many people in North Florida who have a beach home or property in the Carolinas, it's important that you protect your second home like you do your primary residence.
Since you are not around your second home for many months of the year, there are things that not only help protect your property but that can also affect your second homeowners' insurance policy. Consider these measures...
Product or manufacturer's warranties are like mini insurance policies on consumer products. While J.P. Perry Insurance doesn't deal in those types of warranties, we thought you might be interested in how they work and are they worth the value of their costs.
A warranty may seem like a sneaky way for manufacturers to squeeze a few extra bucks out of their customers. But in some cases, purchasing a warranty might actually be a good idea. Whether you're thinking about signing up for a warranty on a major purchase, or deciding whether to pay a few extra bucks for a warranty on a small appliance while standing in line at Target, here's what you need to know in order to make the best decision.
A comprehensive business insurance policy is a must for any business owner. But under what circumstances do you need to take another look at that policy and make important adjustments? Here are some instances when it would be a good idea to revisit your business insurance plan and add to, or change, your coverage.
In today's business world, social media is a marketing strategy that companies use more and more to be competitive. Just like traditional advertising, social marketing tools are used to promote, increase name awareness and raise exposure for a company, product, service or reputation. And just like traditional advertising, maybe even more so, your liabilities are increased when reaching, hundreds, thousands and millions on the Internet. A business using social media could be subject to liabilities that include libel, slander, copyright infringement, privacy violations and cyber crime.
The business insurance managers at J.P. Perry are very aware of the online risks businesses face and offer various policies to address those risks. The following are some business insurance options:
When we are looking out for our children, we think of the usual things like keeping them away from electrical outlets, away from dangerous cleaning chemicals, blocking off stairs, teaching them from running out into the road. Then as they get older we are still thinking about their protection, brushing their teeth, not talking to strangers, eating their vegetables. We're always trying to teach them to protect themselves regardless of how old they are. But one area we don't usually think to tell them about is financial responsibility, and that includes insurance.
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