As a business owner, you most likely have access to a professional insurance agency like J. P. Perry Insurance, who can help guide you through the complex risks that can occur during the operations of your company. But did you ever think that maybe your employees don't have the resources of a professional firm who can help them find protection for their family and their assets at rates they can afford?
When you call in your J.P. Perry agent to help with your business insurance, we can also bring in personal lines specialists who can consult with your employees to help them determine the coverage they need and to help save money on insurance rates.
J.P. Perry professionals can work with each individual employee to develop a strategy based on their customized needs and budget limitations. These strategies can address a wide range of insurance and could include some of the basic coverages along with specialized needs. For example...
Auto Insurance - Our representative would be looking at strategies involving lower deductibles, cutting collision coverage on older models, limited commute driving mileage and buying used as opposed to new.
Homeowner's Insurance - It would be important to review options such as "bundling" policies with the same insurance company, lower deductibles, and home security packages.
Additional Property Coverage - We would recommend evaluating the need and cost of items such as flood insurance, rental insurance or an umbrella policy.
Specialized Coverage - Going beyond basic coverage, we would look at the need and viability of disability insurance and long term care.
As a business owner, you may be well aware of these personal lines strategies. But there is a good chance your employees don't know. You would be offering a great benefit to your employees to give them access to a professional insurance advisor.