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
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
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
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
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
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
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
Coronavirus: Compliance Issues for Employers
As the number of reported cases of the novel coronavirus (COVID-19) continues to rise, employers are increasingly confronted with the possibility of an outbreak in the workplace. Employers are obligated to maintain a safe and healthy work environment for their employees, but are also subject to a number of legal requirements protecting workers. For example, […]Read More
Be Prepared: Identity Theft
We’ve all heard the horror stories about how difficult it is recovering from having your name, Social Security number or credit card numbers stolen. Fortunately, there are steps you can take to help minimize the risk of identity theft. Mail Check your home mailbox daily, and drop your outgoing mail into a secure postal mailbox […]Read More
Watch Out for This New “Smishing” Scam!
“Smishing” is the combination of SMS (texting) and the word “phishing.” Recently, several people have reported receiving text messages that appear to be coming from FedEx, however, it’s a scam! Read more about it here.Read More
Wishing you much happiness this holiday season and throughout the New Year! We look forward to working together in 2020.Read More
Wishing you much happiness this holiday season and throughout the new year!Read More
Trick-or-Treat Safety Tips
Between the hype of costumes and candy, it’s easy to forget the safety hazards posed by Halloween night. With increased foot traffic on and around the streets in the evening, it’s important for both pedestrians and drivers to be hyper-aware on All Hallows’ Eve. In fact, according to the Centers for Disease Control and Prevention, […]Read More
Back-to-School Bus Safety Tips!
September means back to school for many children here in New York State. Whether you are sending your children to school or simply sharing the roads with school buses on your morning commute, it is important for you to be up to date on the current laws and expectations regarding school buses. According to the […]Read More
Grilling Safety Tips
You may be the kind of person who fires up the grill all year long at tailgating parties, or maybe you wait for a warm summer day and a backyard full of friends before you put on your apron. Either way, grilling can be one of life’s simple pleasures. Unfortunately, where there is fun there […]Read More