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Once upon a time, kids roamed free, going from yard to yard, playing with the neighborhood kids, organizing their own games, and coming back at dinnertime totally wiped out. Today, between screen time, school, organized lessons and sports, homework and a parental fear of letting children out of sight, this kind of free play has mostly gone out the window. What's gone out with it is a whole spectrum of growth and development opportunities, from communication skills and physical health to innovation and creativity, which all play big roles in shaping our children for a positive future.
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Few of us in Florida are immune to occasionally losing an hour to mindless scrolling on our phones and devices. After all, it's the nature of social media and the internet: an endless series of rabbit holes full of breaking news, TikTok videos, shopping, and Insta updates we didn't know we needed. But, for some, those technological time warps aren't just occasional, they're a daily, or even hourly, preoccupation. When does an innocuous pastime become a problematic addiction? And what do we do about it?
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Even though the major shutdowns of COVID are basically over, many employees have adapted the practice of working remotely, at least for part of the work week. This still presents 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 your J.P. Perry agent review your current coverage to see if the policy terms still meet your risk profile.

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