What Is and Why do I Need Umbrella Coverage?
Written by Corine Cowles, Personal Lines Manager To err is human; to purchase an umbrella policy is smart. An umbrella policy provides extra liability coverage over, and in addition to, other insurance policies you have purchased, such as commercial insurance policies for your business or personal insurance policies for your home(s), auto(s), and toys (boats, […]Read More
I’m Self-Employed … Now What About Health Insurance?
Written by Bethany DeMott, Group Benefits Account Manager Traditionally our employer determines our health insurance, so where can you obtain health insurance when you are self-employed? This can often be the biggest pain point when deciding to take the leap and cut ties with your desk job. Shopping for health insurance is a daunting task. […]Read More
How Often Should I Shop my Commercial Insurance?
Written by Katie Bratek, Senior Account Manager In a post-pandemic world, with costs rising, concerns over inflation and a host of uncertainty, a question that we often get from both clients and prospects alike is “How often should I be shopping my insurance policies?” According to the latest report from the U.S. Board of Labor […]Read More
Navigating Insurance Claims
Written by Joe Pavlik, Senior Account Manager/Sales Advisor If the last few years have taught us anything from the insurance industry, it’s to have a better understanding of emergency preparedness and insurance claims. We have all seen the unprecedented financial effects of the COVID-19 pandemic, wildfires, hurricanes, floods, snowstorms—and the list goes on! An […]Read More
NY 2023 New Year Update
Paid Family Leave, COVID Vaccination Leave, Minimum Wages and Salaries The following changes to New York employment law cover employers of all sizes: Paid Family Leave expanded to cover siblings: Beginning January 1, 2023, eligible employees will be entitled to use Paid Family Leave (PFL) to care for a sibling (whether biological, adopted, step, or […]Read More
Changes to NYS Paid Family Leave
In 2023, the maximum employee contribution rate has been reduced by 10%. As the state’s average weekly wage for 2023 increased to $1,688.19, the maximum weekly benefit available to employees increased by $62.72 to $1,131.08 (67% of the state’s average weekly wage). In addition to the information above, another change taking effect on 1/1/2023 is […]Read More
Mental Health Awareness Month
Mental health–your mental and emotional well-being–can change over time due to factors like workload, stress and work-life balance. Observed every May, Mental Health Awareness Month is a time to join together to fight stigma and provide support for people with mental illness and their families. Mental illnesses are some of the most common health conditions […]Read More
National Wedding Planning Day: March 1
You’ve always dreamed of planning the perfect wedding, but no matter how carefully you plan it, there are many things that can go wrong–things that are beyond your control. A wedding is an investment, and as the average cost of weddings rises, wedding insurance is needed more than ever! After all, you wouldn’t buy a […]Read More
How Can You Prevent Frozen Pipes?
Not only can cold weather put a damper on your spirits but it can also bring about some unfortunate home challenges. Perhaps one of the most inconvenient and damaging is frozen pipes. Frozen water in pipes leads to a build-up of pressure, which can result in broken pipes and consequential flooding, and water damage. Unfortunately, […]Read More
Cyber claims are on the rise
Cyber claim rates are on the rise and the majority of victims are small to medium-sized businesses being hit with cybercrimes like funds transfer fund and ransomware attacks, which are more prevalent now due to many businesses working remotely and not having the proper security in place. See below for a step-by-step guide on how […]Read More
NY HERO Act
On Monday, September 6, Governor Hochul announced that the NYSDOH has designated COVID-19 as a “highly contagious communicable disease that presents a serious risk of harm to the public health” under New York’s HERO Act. This designation triggers employers to implement their “exposure prevention plans.” Under the HERO Act, employers were required to adopt an […]Read More
NY Project Hope
NY Project Hope is New York’s free COVID-19 emotional support helpline. It helps New Yorkers understand their reactions and emotions during COVID-19. Through an emotional support helpline, educational materials, and trusted referrals, NY Project Hope helps people manage and cope with changes brought on by the pandemic. NY Project Hope crisis counselors understand what you […]Read More
Are You Prepared for Extreme Heat?
A heat wave is an extended period of extreme heat, and is often accompanied by high humidity. These conditions can be dangerous and even life-threatening for people who don’t take the proper precautions. As such, consider this guidance to prepare for extreme heat. Before Extreme Heat To prepare for extreme heat, do the following: Build […]Read More
New COBRA Subsidy Information
The COBRA subsidy began April 1, 2021 and lasts through September 30, 2021. To be eligible, employees: Must have a COBRA qualifying event that is a reduction in hours or an involuntary termination of a covered employee’s employment; Must elect COBRA continuation coverage; Must not be eligible for Medicare; AND Must not be eligible for […]Read More
Perry & Carroll Acquired by High Street
We are excited to announce Perry & Carroll has been acquired by High Street Insurance Partners (HSIP), an independent insurance brokerage firm. Founded in 2018 in Traverse City, Michigan, High Street provides an array of business insurance & risk management, employee benefit & human capital management, financial & retirement services, personal insurance, and specialty risk […]Read More
NYS Open Enrollment Extended to May 15th
New York’s health insurance Open Enrollment Period will be further extended to May 15, 2021, aligning with states across the country. With this extension, New York joins the federal Marketplace and other state-based Marketplaces giving consumers even more time to enroll for 2021. You can apply for coverage through NY State of Health or directly through us. […]Read More
COVID-19 Vaccine: Update From Excellus
We just received the following information from Excellus regarding coverage for the COVID-19 Vaccine … Member/Group Impact: Vaccines approved by the U.S. Food and Drug Administration (FDA) under the Emergency Use Authorization (EUA) and recommended by the Advisory Committee on Immunization Practices (ACIP) will be covered through the end of either NY State of Emergency […]Read More
Happy Holidays to you & yours!
As we celebrate this holiday season, we would like to take this time to thank you–our staff, clients, carriers and vendors–for your continued support of our business. We appreciate your confidence and loyalty, and we look forward to working with you in 2021. Wishing you much health & happiness this holiday season and throughout the […]Read More
We Are Thankful For …
During this season of gratitude, we wanted to remind you how grateful we are for your business. THANK YOU for your continued loyalty and support. Wishing you and yours a wonderful and healthy Thanksgiving holiday!Read More
National Cybersecurity Awareness Month
October is National Cybersecurity Awareness Month. During this annual event, government and industry leaders come together to raise awareness about the importance of cybersecurity. This year’s campaign theme is “Do Your Part. #BeCyberSmart.” This theme was selected to empower both individuals and organizations to take ownership of their unique role in promoting cybersecurity, with the […]Read More
Why Do I Need Life Insurance?
Life insurance isn’t a pleasant thing to think about, and it may seem like an unnecessary expense. But if you have dependents who rely on you for financial support, then life insurance is really about protecting them in case something happens to you. Your designated beneficiary would collect a financial benefit upon your death. Youth […]Read More
COVID-19: How It Impacts Construction Contracts & Business Interruption
The coronavirus pandemic has put us in a unique situation with no easy answer. All aspects of our lives are being affected, including our businesses and expected income. One question we keep hearing is, how is this virus affecting the construction industry and business interruption insurance? In most cases, there will not be coverage for […]Read More
Protecting Staff & Customers: Office Safety Plan
Perry & Carroll has taken a pro-active approach to ensure the safety of our employees and our customers to prevent the spread of COVID-19. Policies and procedures we have put in place include: Ensuring 6-feet distance between personnel. Use of social-distancing markers in common areas. Use of videoconferencing whenever possible. Signage outside the office informing […]Read More
NYS Premium Deferment Notice
A recent Executive Order issued by Governor Cuomo, together with recent amendments to the insurance and banking regulations issued by the New York State Department of Financial Services, extend grace periods and give you other rights under certain property/casualty insurance policies if you are an individual or small business and can demonstrate financial hardship as […]Read More
Our Response to COVID-19
To our valued customers: As your trusted independent insurance agency, our goal is to help protect your quality of life. During these uncertain times we understand there are a lot of concerns about how COVID-19 will affect your life in one way or another. Our goal is to reduce the risk of exposure and protect […]Read More