Insurance Products
Get an insurance rate quote or request a professional consultation
Over 5,800 individuals, families and businesses in Jacksonville, St. Augustine, an Orange Park already have - they are our customers
The right insurance policy, the right insurance coverage, the right insurance policy limits, and the right insurance service options are not the same for every individual, family or business. That's why J.P. Perry represents over 80 top rated insurance companies, and that's why we place such a high value on the experience of our employees.
Our insurance agents have an average of 18 years experience and over one-third or J.P. Perry's licensed insurance agents have professional designations above and beyond the continuing insurance eduction required for insurance agency licensing. We don't think there is another insurance agency or insurance company doing business in Jacksonville, St. Augustine, or Orange Park - or anywhere in North Florida - that can match the combination of insurance rates, superior protection, and local and online insurance service.
The right insurance rates, coverage and convenience from a local Jacksonville Insurance Agency
We have insurance policies to protect your home, car, and business. If you would like to learn a little more about all the different insurance products we have available for individuals, families, and commercial enterprises in the Jacksonville area, feel free to browse the list of insurance options our insurance agency can deliver.
Get a quote today or contact us for a consultation about the right insurance kind of insurance package for you, your family, or your business.
Get a Business Insurance Policy Quote
Personal Insurance Products (Auto and Home Insurance)
- Personal PackageOne policy, one bill equals convenience and enhanced protection. We can combine your auto, home and other coverage in one comprehensive policy. We can start now with just your auto or home and 'package' the other coverage when your current policy expires.
- Homeowner Insurance
Get a Quote and Learn Inside Information About Home InsuranceHelping Jacksonville, St. Augustine, and Ponte Vedra homeowners with insurance since 1954
Getting good, affordable homeowners insurance in Florida can be tough...unless you know the right people. J. P. Perry has been helping Jacksonville, St. Augustine, and Ponte Vedra homeowners insure their homes for over 50 years. We have seen the home insurance market expand and contract and we have seen companies come and go. But through it all, J.P. Perry has continued to attract quality home insurance companies so our customers have never been without quality homeowners insurance alternatives.
The quality of home insurance comes has more than one facet. First, and foremost, you want to know that a home insurance company will be able to pay claims - even in the event of a devastating hurricane or other catastrophic event. Financial ratings, from rating services like A.M. Best and Demotech are good indicators of an insurance company's claim paying ability - the current financial rating for all our insurance companies can be accessed from our Insurance Companies page.
Insurance company claim service is a second quality component that plays a role in the selection of insurance companies J.P. Perry represents. Speed of insurance claim settlement, fairness of loss payments, and clear, consistent communication throughout the claims process are the yardsticks by which we hold our insurance companies accountable.
And finally, a quality home insurance company should provide a range of important coverage and discount options such as:
- Extended replacement cost coverage home and contents
- Home business insurance protection
- Enhanced insurance for valuable personal property like jewelry, art, and collectibles
- Additional coverage for structures like pools, piers, and screen enclosures
- Excess liability coverage
- Discounts for safety devices
- Discounts for multiple insurance policies
Contact us anytime, or call if you are ready to step up your home insurance protection at (904) 268-7310!
Or, complete our simple, online home insurance quote request form.
- Personal Auto Insurance
J.P. Perry insures over 4,100 households in North Florida, that's a lot of votes of confidence from drivers in Jacksonville, St. Augustine, and Orange ParkCar insurance isn't as simple as we might like it to be, but J.P. Perry can make choosing the best protection, service and saving money seem that way. Our number one objective is to get you the best card insurance protection for the best rate. We can often increase protection limits by $100,000 or more, and still save you money on your auto insurance premiums.
The right auto insurance for Jacksonville, St. Augustine, and Orange Park drivers
J. P. Perry represent top rated auto insurance companies such as Progressive, Travelers, Auto Owners and many others. That gives us the independent flexibility to find the right auto insurance for you or your family's protection needs. The cheapest auto insurance usually the best insurance - the best car insurance is the insurance policy that protects you from potentially devastating lawsuits - and we can often do that while saving you money at the same time.
Selecting the right company, the right collision and comprehensive policy deductibles for each of your vehicles, and combining policies are a few ways we can help get you the best auto insurance coverage for your dollar but there are a few other ways to reduce costs - check out our blog post, Manage Automobile Insurance Costs.
Call us anytime you are ready to step your car insurance protection at 904.268.7310!
...take advantage of J.P. Perry's expert guidance as we shop the market for you to find the best combination of protection and savings.
- Antique, Classic and Customized Automobile InsuranceSpecial autos come in all shapes, sizes and model years. We share you dedication to caring for and protecting your special vehicle. Let us help you care for your classic car by providing the policy that is right for it and you.
- ATV InsuranceInsurance is not required for your ATV but there are several situations where liability protection you have under other policies may not apply. Some states require insurance for ATVs operated on state-owned land and your homeowner policy may not protect you if you ride off your property. ATV Insurance can fill in these gaps and will reimburse you if your ATV is stolen or badly damaged. ATV Insurance includes Liability, Medical Payments, Comprehensive and Collision coverage, much like an Auto Insurance Policy.
- Boat InsuranceOne policy includes protection against loss to your boat, motors, trailers and equipment and liability for property damage or physical injury to others caused by you or other boat operators.
- Condo Insurance
One little policy does a lot. A condominium insurance policy reimburses you for damage to your condo, from the walls in, and from a variety of causes. If your condo is totally destroyed or you cannot use it for a period of time, your condo owners policy will also cover that. The insurance extends to your condo's contents and liability for damage to property of others or injury caused to someone by you or a family member. Your policy can be personalized to include greater levels of protection for important property, home office situations, liability for boat ownership and additions and alterations to your residence.
- Home BusinessMore and more people are working from home or starting home-based businesses. A standard homeowner policy affords limited protection for property and liability risks arising from home business pursuits. We have a range of options and can pick the one that's right for your business no matter how small, new or established.
- Identity TheftAbduction of your personal information can result in financial loss ranging from a thief draining your bank accounts to new debt from fraudulently opened credit accounts. Protect yourself before you become a victim by taking necessary precautions and insuring potential loss.
- Personal UmbrellaSometimes the coverage limits in our automobile and homeowner policies are not enough. Litigation today results in more and more jury awards for hundreds of thousands or millions of dollars. An umbrella provides extra protection of $1 million or more.
- Renters Insurance
One little policy does a lot. A renters policy covers all most all of your personal property in your apartment, and in some cases, out of your rental unit. The insurance extends to your home's contents and liability for damage to property of others or injury caused to someone by you or a family member. Your policy can be personalized to include greater levels of protection for important property, home office situations, liability for boat ownership.
- Scheduled Personal PropertyMany of us have possessions that are not adequately protected by a standard homeowner policy. Examples include jewelry, antiques, oriental carpets, art work, sports equipment, collectibles and firearms. Scheduling important possessions gives you adequate levels of protection, coverage against broader causes of loss and no deductible.
Commercial Insurance (Business Insurance)
- Aviation InsurancePrivate aircraft owners' and operators' insurance needs differ depending on many factors like the number and type of passengers an aircraft will carry, aircraft value, how an aircraft is used and financial consequences of lawsuits filed against aircraft owners and pilots. We will take the time to understand your special needs and tailor a low cost, high quality aviation insurance program for you.
- Business Auto InsuranceMaybe your business owns vehicles or maybe you rent or lease them. Maybe you or your employees use personal vehicles to conduct business. If so, you need Business Auto Insurance. A Business Auto Insurance Policy protects your business against injury to others and damage to property as a result of business use of vehicles.
- Business Owners Policy
Learn About Small Business Insurance Options or Get a QuoteJ. P. Perry insures over 1,600 businesses in Jacksonville, St. Augustine and beyond - small, medium and large
J.P. Perry understands that small business owners have to wear a lot of hats, and sometimes it's hard to find time to put on your business insurance hat. A Business Owners Policy, sometimes called a BOP for short, is a convenient yet comprehensive way to handle small business insurance needs.
A BOP is a type of business insurance policy that bundles several crucial insurance coverages together, much like a homeowners policy. A BOP can be customized and other business insurance policies can be included to adapt standard business insurance coverage to your small business' specific needs. Some of the important insurance coverages included in a Business Owners Insurance Policy include:
- Insurance for your business premises
- Insurance for your business personal property
- Business interruption coverage
- Liability insurance
Coverage that can be added through separate policies to make your business insurance program complete include:
- Business Auto Insurance
- Workers Compensation Insurance
- Inland Marine insurance for tools and equipment
For those businesses that have grown from small to medium or large, a Commercial Package Policy provides even greater flexibility. For a brief overview of small business insurance, take a look at our blog post, Small Business Insurance Basics.
Or, Contact Us or call today to set up a consultation and get a business insurance proposal.
Or, complete our simple, online Business Owners Policy insurance quote request form.
- Commercial General LiabilityYour business faces exposure to loss from legal liability from a number of sources. The CGL provides broad protection from risks arising from your premises and operations, independent contractors and product liability, to name a few.
- Commercial Package Policy
Learn About Business Insurance for Medium and Large OperationsJ.P. Perry represents over 80 insurance companies - we can get your business the right insurance at the right price
As your business grows, so too do the demands on your business insurance program. More employees, changes in business operations, more locations, greater dependency on suppliers are just a few of the examples that require changes to your commercial insurance program. Small businesses are often more than adequately served by a Business Owners Policy. But medium and large businesses generally need to start with a Commercial Package Insurance Policy (CPP).
The CPP includes two or more separate business insurance policies; by bundling individual business insurance policies together in a CPP your business will qualify for a business discount. Some business insurance policies that are commonly included in a Commercial Package Policy include:
- Commercial Property Insurance
- Commercial General Liability Insurance
- Business Auto Insurance
- Inland Marine Insurance for tools and equipment
- Crime Insurance
- Equipment Breakdown Insurance
Other business insurance you may need to consider that are not packaged with a CPP include:
- Directors and Officers Insurance (D&O)
- Employment Practices Liability Insurance (EPLI)
- Life, Health and Disability Insurance
Learn a little more about business insurance for medium sized businesses by reading our blog post, Medium Sized Business Insurance Basics, or...
Or, Contact Us or call today to set up a consultation and get a business insurance proposal.
Or, complete our simple, online business insurance quote request form.
- Commercial Property InsuranceThis type of policy provides protection from loss, due to a variety of perils, to all kinds of business property including: building structures, furniture, inventory, equipment, and supplies, money and securities and business records. If you have a larger or more complex business you may need the flexibility of insuring your business property through a Commercial Property Policy.
- BondsThere are several types of Surety Bonds for contractors: Bid Bonds, Performance Bonds, Payment Bonds, License Bonds and Supply Bonds are a few. In general, surety bonds assure a project owner that they can rely on contractor performance, ability to make payments to certain other parties (sub-contractors, e.g.), good faith bid submissions and so on. The issuer of sureties, usually an insurance company subsidiary, investigates the abilities of a contractor and, in the event of a valid claim, will make reimbursement for non-performance according to the terms of the surety.
Information Needed for General Agreement of Indemnity:
- Federal ID Number of each corporation
- Full Name and Social Security Number of each stockholder and their spouses
- Home Address of each stockholder and their spouses
- Legal Name and Address of Corporation.
- For Bid Bond Purposes - State(s) of Incorporation
- Contractors LiabilityContractors have liability insurance needs unique to the building trade. We understand those needs and can find insurance protection to fit the budget of your business.
- Employment Practices Liability Insurance (EPLI)This kind of insurance provides insurance against liability for, as the name implies, employment practices. Protection, which will vary from policy to policy, covers a broad range of claims or lawsuits that might be brought by current or former employees or employment candidates. Just a few examples include sexual harassment, wrongful termination or discipline, wrongful failure to promote or hire, emotional distress, discrimination and invasion of privacy. Recent growth in employment practice litigation makes review of employment practices and insurance protection a necessity for most businesses today.
- Inland Marine InsuranceInsurance for a variety of property in land transit as well as instrumentalities of transportation such as bridges or tunnels would seem to fit the name, Inland Marine Insurance, and this kind of property is in fact insured by this class of insurance. But the policies in this category also provide coverage for property under construction, construction equipment, scheduled property like jewelry, furs, tools and more that move about or fluctuate in value as well as instrumentalities of communication like broadcast towers.
- Professional Liability InsuranceAny professional in any field is expected to possess skills and knowledge resulting from specialized training and experience. When a client or customer believes you have not conducted yourself according the standards of your profession or that you have been negligent in some way you can be sued. Standard business liability policies do not cover these situations. To supplement general liability protection you may need a specialty coverage known as Professional Liability Insurance or sometimes Errors and Omissions Insurance.
- Workers' Compensation InsuranceThis type of insurance pays for medical and rehabilitation expenses for workers injured on the job. Lost wages are also covered. Each state governs the compensation details, including the amounts paid. This is often a mandatory type of insurance.
Individual Health & Financial Products
- Disability Insurance (Individual)A study performed by the American Council of Life Insurers showed that a 35 year old is six times more likely to be disabled than die before they are 65. Disability policies can be tailored to supplement employer benefits, provide benefits to the self-insured, or to fund a business disability buy-sell agreement.
- Financial ServicesFinancial products for individuals and families including life insurance, fixed annuities, disability insurance, mutual funds and IRAs.
- Health Insurance (Individual)
JP Perry Insurance welcomes the opportunity to assist you in securing quality individual health, dental, and life insurance for yourself and your dependents through Aetna Healthcare. You'll need to answer a few health-related questions, but a new multi-level rating system and varied plan selections means more people than ever before can qualify for affordable individual health insurance. Please review the individual health insurance brochure. It will guide you through the process of selecting a plan. This brochure will take a few seconds to open, so please be patient and to begin click on the link below.
To request a quote, please fill out the request a quote form below. We will send your quote by fax or e-mail, whichever you prefer. Once you have reviewed your quote, please call us at 483-2063 and we will help you with the application process.
Thanks for choosing JP Perry Insurance.
- Life and Disability Insurance (Individual)Life insurance is an essential part of any financial program. A variety of policies and limits can be used to pay off a mortgage, cover future education expenses, fund a business buy-sell agreement and more. The type of policy and limits you need will depend on your financial goals.
Just as essential is disability insurance. A study performed by the American Council of Life Insurers showed that a 35 year old is six times more likely to be disabled than die before they are 65. Disability policies can be tailored to supplement employer benefits, provide benefits to the self-insured, or to fund a business disability buy-sell agreement. - Life Insurance (Individual)Life insurance is an essential part of any financial program. A variety of policies and limits can be used to pay off a mortgage, cover future education expenses, fund a business buy-sell agreement and more. The type of policy and limits you need will depend on your financial goals.
- Life, Health and Disability (Individual)Life insurance is an essential part of any financial program. A variety of policies and limits can be used to pay off a mortgage, cover future education expenses, fund a business buy-sell agreement and more. The type of policy and limits you need will depend on your financial goals.
Just as essential is disability insurance. A study performed by the American Council of Life Insurers showed that a 35 year old is six times more likely to be disabled than die before they are 65. Disability policies can be tailored to supplement employer benefits, provide benefits to the self-insured, or to fund a business disability buy-sell agreement.
There are more health plans than ever before and increasingly plans are finding ways to balance important financial protection from medical care costs with premium. Budgeting. Let us know what your unique needs are and we will find a program to fit your protection requirements and budget. - Long Term Care InsuranceAmerica's population is aging and many of us may find our assets at risk as we struggle to pay the costs of daily living assistance during periods of serious illness or disability. These costs are not covered by traditional health policies or Medicare. For some, Long Term Care Insurance may be the best alternative.
- Short Term Medical InsuranceShort Term Medical Insurance removes the risk of potentially catastrophic financial loss due to unexpected illness or injury. Apply online and get protection as soon as the next day.
Group Benefits
- 401K and Retirement PlansWe'll help put a plan together for your company that provides high quality options and is at once easy for participants to understand. We'll help you make the most of your retirement program.
- Employee BenefitsComprehensive employee benefit plans for the business community including health insurance, disability insurance, long term care insurance, 401-K, dental insurance, life insurance, fixed annuities, mutual funds, retirement plans, sec. 125.
- Group BenefitsLife, health, disability, retirement plans...we have all the options you need to make sure your company's overall compensation plan helps attract and retain the employees you need to give your business a competitive edge.
- Group Health InsuranceHealth insurance is an important benefit for your employees. Having the right plan can give your business a competitive advantage as part of your overall compensation program. In fact, many people who would otherwise be qualified to run their own businesses may work for yours because of access to your benefits program. Let us help you find the best program for you.
