The following blog posts have the category Commercial insurance
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As the leaves change and the year winds down, fall is an ideal time for business owners to pause and evaluate their insurance needs. A year-end review can help ensure your coverage still aligns with your business operations, protects against seasonal risks, and positions you well for the coming year.
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Whether you're just starting your business or have been running it for years, understanding the types of insurance your business may need is critical to managing risk. Two of the most common forms of business insurance are general liability and professional liability. While they may sound similar, they address different types of exposures and serve distinct purposes.
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With temperatures rising across Florida, businesses in landscaping, construction, and agriculture face a serious seasonal risk: heat-related illness among employees. Taking steps to manage heat exposure isn't just a safety best practice - it can also help reduce liability and avoid costly incidents.
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As a business owner in Florida, you have the option of hiring contract or permanent employees – and many more businesses are using contract workers while sorting out the uncertainty in the economy. A contract employee is essentially a freelancer who has agreed to work for you for a mutually-agreed upon period of time, which may be extended if you see fit. A permanent employee has been hired with the understanding that he or she will go on working for you until a termination or a resignation. Both types of employees have their advantages and disadvantages. Some of the advantages of contract employees, however, are illusory.
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Even businesses with the most effective Human Resources Departments and the happiest of employees are vulnerable to lawsuits. Unforeseen situations can quickly escalate, positive working relationships can turn sour, and employees can become litigious, sometimes without valid reason. Unfortunately, even the most bogus claims must be addressed in court, and legal fees associated with winning a lawsuit can exceed $250,000, which hardly feels like a victory.
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We've said it before: the distinction between a small and large business is somewhat arbitrary. At what point in the business growth life cycle do you cross over? One way to answer the question is when your business no longer qualifies for a Business Owners Package Policy. The BOP bundles up several kinds of insurance protection in one policy. But as business become larger the risks they pose become more varied and difficult to address in one policy.
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Through the everyday operations of a company, small businesses face a variety of potential risks, including liability lawsuits which can catch a business owner by surprise. Even if the lawsuit is frivolous or you are not at fault, you could still be subject to costly litigation.
Every type of business comes with its own unique risks. When it comes to insuring your business, you want to make sure you have the right type and amount of coverage, while not paying for coverage you really don't need. So how can you make sure you're getting the best deal, but not putting your business at risk?
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For a small business owner, having to let go of employees is never easy. When employees have become like friends or even family, it can be especially tough to make a decision to do what's right for your business. So how do you know when it's time to let people go, and how do you downsize in the most humane way possible? Here are some things you should consider before downsizing, and some tips for going through the process.
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Our commerical insurance sales department experienced a 60% success rate last year, which is about double the industry average.This means that for every 10 businesses that we presented a proposal for insurance to, 6 became customers.All of these already had an agent they had a relationship with and they all had programs of insurance coverages they thought were well thought out and fairly priced or they would not have bought it in the first place.However, 60% felt the JP Perry Insurance proposal was superior enough, through some combination of coverage improvement, expertise and price, to leave their current insurance relationship and choose JP Perry instead.Change is diffcult and so people must be really impressed by what JP Perry offers to move from their current agent and hire us!We are really proud of these results and we believe that is the real proof that we are delivering on our goal of providing the best in expertise, coverage and price to our customers.Year after year, for 60 years.
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