It's one of those things that's overlooked until it's absolutely necessary: a first aid kit. Whether you're relaxing at home, navigating five-o-clock traffic, or summer adventuring in your new RV, having a simple first aid kit can mean the difference between an inconvenience and an emergency.
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So far we have been lucky during this hurricane season but we are only in July. The rest of the season could be a problem and that's why you need to take precautions now to protect your family and your property.
In today's business environment when competition for employees is very tough, you need every tool possible to attract candidates. And while most employers believe that high salaries are the answer, in reality, employee benefits have become a huge factor in the selection of a job, especially among millennials.
How old is too old to drive? It's not necessarily an easy question to answer. Depending on physical health, skill, vision, and even location, elderly drivers can be capable of safely and predictably handling a vehicle well into their seventies and even eighties. And, as baby boomers age further into their golden years, an increasing percentage of drivers will find themselves in that bracket. In fact, the Federal Highway Commission's 2016 data noted a record 41.7 million drivers over the age of 65. That's nearly one in five of the licensed population, an increase of 15 million over 20 years ago. By 2020, drivers aged 75 and older numbered more than 17 million. And, by 2030, the National Highway Traffic Safety Administration (NHTSA) estimates that one out of every four drivers will be an older adult.
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When dealing with insurance policies, whether it's personal coverage, business insurance or employee benefits, there are many terms that come into play that describe concepts, tools and policy types that are unique to the industry. This specialized vocabulary can be confusing, particularly in cases like when you are trying to determine the difference between market value and replacement value. While your best strategy is to have your J.P. Perry agent help guide you through technical and complex policies, we have listed some of the more used terms along with their meanings that you will find within insurance policies.
With the rise of homeowners' insurance rates, everyone is looking for different ways to reduce their premiums. In some cases, people are turning to technology to make their homes more efficient and cost effective regarding homeowners' rates. They are either converting their residences to "Smart Homes" or they are adding technology to handle specific functions.
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.
With the fast approaching warm temperatures hitting Northeast Florida this spring, many people are looking to make major improvements and repairs to their homes. These may include the replacement or expansion of your AC system, adding a room, remodeling a kitchen or bath or building a porch. In all of these cases, you need to make sure you are protected from any potential liabilities during renovation or home improvement work on your property.
When operating a small business, most business owners realize they need to protect their company's assets with a general liability insurance policy. But if your business is paid for recommendations, advice, guidance, professional services or manufactured goods, then you may need the additional protection of a professional liability policy, better known as Errors & Omissions insurance.
A yard full of trees can make a home look great. They provide shade that can keep your electric bills down. They are good for the environment. Plus, they can possibly add value to your home when you sell.
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