Commercial Insurance Protections And Why They Matter

Three Important Choices, Three Rewarding Protections

For your business in our service area, including Vernal, UT, Perry Insurance Agency provides a set of three essential insurance protections for small and medium-sized business owners. These go beyond government-required coverage like vehicle liability insurance and workers’ compensation and nurture the roots of your growing business against disruption.

General Liability Coverage Protects Your Assets and Business

If someone claims injury or damage from your business, it can create a devastating effect to defend against the claim. Insurance personnel works with you to deal with these inevitable disruptive effects.

Commercial Property Coverage Protects Your Physical Assets

Fire, flood, earthquake, and other ways your property can be damaged or lost need a way to move on. Our insurance carriers help you manage your business in the face of this physical loss, and get moving again.

Business Income Insurance Steps in When Income Generation is Affected

When you lose the use of components of your business, it can’t function as you intended. Your factory can’t produce and sell. This coverage helps you keep going until you’re back in business again.

Keeping Your Dreams and Plans On Track

In Vernal, UT, Perry Insurance Agency stands ready to help you plan for your business’s future with these three vital coverages, which step in when your ability to make a living with your business is threatened. Our professionals help you select the amounts and types of insurance to keep your business on track even when the unimaginable happens, such as earthquakes and floods. We also help our clients use the insurance they’ve purchased to keep their dreams in sight, using sound business practices and insightful methods. Contact us for insurance, and let’s build a relationship based on your future.

Cleaning Tips for Renters

Renting a home is a great way to simplify your living arrangements. Many people choose to rent because there are fewer responsibilities, but one responsibility you can’t overlook is cleaning. At Perry Insurance Agency, serving Vernal, UT, and the surrounding areas, we are here to help renters with insurance decisions and other rental topics. Keep reading to learn more. 

Why Cleaning Your Rental Matters

Renting can be an excellent housing arrangement, but there are specific responsibilities that you commit to when you sign your lease. You will need to ensure that you keep the property up to the expected standards of the landlord or property manager. 

Keeping your rental clean can also help decrease the chances of pest infestations and fire risks. 

Keep Out The Clutter

The most important cleaning tip for your rental is to keep clutter out. Clutter will proliferate, and this can cause many problems for your rental house. It can attract pests such as bugs and mice. It can also increase the chances of fire risks as well. 

Maintain Exterior 

Your rental is not only a reflection on you as a tenant but also on the property owner or landlord. The property owner will want the property’s exterior maintained in a certain way to ensure they can maintain their business reputation in the community. 

Daily/Weekly Cleaning 

In addition to the tips mentioned above, you will also want to stay on top of daily/weekly cleaning chores inside the home. This will include your basic daily cleaning to enhance the home’s livability for yourself and your family. Not only does this type of cleaning make the home more pleasant to live in, but in the long run, it also helps keep the house’s overall quality up. 

If you want to learn about renters insurance, please get in touch with us at Perry Insurance Agency, serving Vernal, UT, and the surrounding areas. 

What Does Commercial Insurance Cover?

If you are a business owner, you want to protect the investment of hard work, money, and time invested in your business. The best way to do this is through a commercial insurance policy. The commercial insurance agents at the Perry Insurance Agency in the Vernal, UT area want you to know and understand what commercial insurance covers. Read on for more information.

Commercial Auto Liability

Commercial auto liability insurance is imperative to have in the state of Utah. This is because all vehicles must be covered under a minimum amount of liability insurance. This law includes any vehicles that are owned by your business or are driven for your business. This consists of any personal cars, vans, SUVs, or trucks that are driven for the purpose of your business.

Commercial Liability Insurance Coverage

Commercial liability insurance is critical to have since it can protect your business in a variety of different ways. For example, if someone slips and falls at your business and is injured, this part of your commercial insurance policy will help pay their medical bills and possibly any lost wages they incur. This type of liability insurance can also help if someone files a lawsuit against you for things like slander, copyright infringement, or libel.

Commercial Property Insurance

You should have commercial property insurance because you never know what is going to happen. If a fire ravages your business, this part of your policy will help you replace your inventory. It can also help you recoup any losses you suffer due to theft or even a burglary at your business.

Commercial property insurance will help you recover any inventory lost due to a fire, vandalism, or natural disaster. This type of insurance will also help you recover any losses you suffer if your business is broken into or a theft incident occurs.

Contact Us

To create the best commercial insurance policy for you and your business, contact the experienced and trustworthy commercial insurance agents at the Perry Insurance Agency, serving the Vernal, UT area.

What’s the Difference Between Market Value and Replacement Value of My Home?

When choosing a home insurance policy, it’s important to understand the difference between market value and replacement cost. Perry Insurance Agency, in Vernal, UT is here to explain your options. 

What are Market Value and Replacement Cost Used For? 

Market value or replacement cost can be used to determine how much you will receive for your insurance claim. If your home is damaged or destroyed, your insurance company will use one of these methods to determine how much you will be reimbursed up to the coverage limit. 

What is Market Value?

Market value is essentially what your home could be expected to sell for. It considers the value of the land and improvements to the house and can also include personal property and intangible assets. 

What is the Replacement Cost? 

Using modern methods and materials, the replacement cost determines how much it would cost to build your home, or one very similar, based on current prices. This includes the cost of labor and materials.

Which is Better? 

Which value is higher will depend on market factors. If the real estate market is doing very well, the market value may be higher. If there’s a high demand for construction, replacement value could provide the best value. 

Market value is considered a gamble. It may be higher or lower than the cost of replacing or repairing your home. 

Replacement cost is usually considered the better option because it gives you the funds to replace or repair your home. Replacement cost should equal the actual cost of repairs or a new home of similar value. 

Home Insurance with Perry Insurance Agency

If you need home insurance in Vernal, UT, contact Perry Insurance Agency. Our trusted agents will discuss your options and help you select the best policy for your needs. 

What Types of Commercial Insurance Are There?

Entrepreneurs are only required by law in Vernal, UT to purchase worker’s compensation coverage, but there are many other types that people choose to buy for the benefits they confer. Below are several of these categories. 

General Liability

A standard corporate policy can cover medical payments due to injuries resulting from you simply doing business. This could be in the form of products or services that are unintentionally dangerous to the health and well-being of others. You can also face lawsuits due to negligence in this regard.

Another common contingency is when employees cause property damage, such as fixing systems inside a client’s home. Personal injuries can also come in the form of libel or slander, and your Perry Insurance Agency can share its expertise on what situations would be included. 

Property insurance

Your inventory, machines, and products can be stored in a central building and are subject to loss due to heavy rains, high winds, or electrical surges. Fires can also potentially raze your warehouse to the ground. Customers or workers can fall on slippery surfaces, incurring expenses and potential legal troubles, and property insurance help protect your investments. 

Other Insurances

Errors and omissions protect against costs due to typos and accidentally misleading information. Business interruption insurance can help you generate income when forces outside your control render you temporarily unable to operate. Commercial auto insurance is for enterprise that has work vehicles, such as a fleet of trucks or vans. 

Perry Insurance Agency Can Assist You

We offer business owners the commercial insurance products they need, and we can tailor a package to suit the specifics of your company. We serve those in the Vernal, UT area and will be happy to speak to you further online, over the phone, or by meeting in the office. 

Things home insurance doesn’t cover

Owning a home comes with an immense amount of responsibility. Home insurance can give you a sense of security that you can withstand any accident or incident that may befall you. That is not entirely true. All home insurance policies have exclusions, things they won’t cover. In Vernal, UT, you can count on  Perry Insurance Agency to provide the coverage you need to feel confident you have enough coverage. 

Wear and tear

Things wear out and stop working or break. This is natural and not something your home insurance will pay for. So, when your refrigerator dies, it’s not covered, and when your roof reaches the end of its usefulness, it’s not covered. 

Floods

Floods are one of the most devastating natural disasters, and as little as an inch in your home can cause thousands of dollars in damage. But your home insurance offers no coverage for floods. You can, however, purchase flood insurance, and if you are at any significant risk, you should purchase it. 

Earth movement 

There are different types of earth movement. Earthquakes and sinkholes are earth movements. Mudslides and landslides are earth movements. What they all have in common is that home insurance doesn’t cover them. If you feel that there is a danger you may need it, separate insurance is available for these things. 

Owner neglect 

The insurance carrier believes that, as a homeowner, you are responsible for maintaining your home. That means you should get your home inspected and treated if there is termite danger in your area. If you get infested with rodents, it’s your fault, and if your old leaky roof causes damage, it’s your problem. 

Contact Perry Insurance Agency in Vernal, UT when you are in need of home insurance information. If you want us to review your current coverage, we are here for you.  

How Renters’ Insurance Protects You

When you rent your home, there is a special type of insurance just for you. While you don’t need home insurance because you aren’t the owner, you need renters’ insurance. The landlord will have home insurance on the property, but that won’t cover your losses if a serious incident happens. It’s important to always have renters insurance for as long as you rent. To get started, give us a call at Perry Insurance Agency in Vernal, UT.

Coverage for Your Belongings

One major thing the landlord’s policy doesn’t cover is your possessions inside your rented home. Renters’ insurance covers them, though; this allows you to have protection against a wide range of accidents and incidents that can ruin your possessions. This is important coverage because of the expense of replacing everything if a serious incident happens. The policy will list the types of incidents that you are covered against. This usually covers certain disasters and calamities. 

Liability Coverage

When you have renters’ insurance, it also gives you protection against liability. If someone entered your home and got injured there, you are most likely the one who will have to pay for their expenses, such as medical bills and legal fees. However, with renters’ insurance, the policy will pay for those expenses so that you don’t have to. It’s a type of coverage that many people don’t think about, but it’s important to have it in place just in case. 

Get Renters’ Coverage

When you need a renters’ insurance policy, we are here to help. Just call Perry Insurance Agency in Vernal, UT to talk with an agent about your insurance needs. We can help you get this vital insurance coverage. 

Buying an RV? Don’t forget about liability coverage!

Residents in the Vernal, UT area considering purchasing an RV can turn to the team at Perry Insurance Agency for all of their insurance needs. Feel free to give us a call or stop by our office with any questions that you may have about RV or any other type of insurance.

Why liability protection is essential for RV owners

RVs are large vehicles that can cause a significant level of damage when they are involved in traffic mishaps. This is true for both cars as well as property. In addition to the liability that can be involved with damage caused by traffic accidents, there are other areas of concern.

Many folks use their RVs as a "home on wheels" and live in their vehicles as they travel. This often means they set up camp in an RV park or campground for a certain period and stay in their RVs. While they are living in their vehicles, they may also entertain and have guests over to visit. If an injury should occur while a guest is onboard the vehicle, there can be liability issues at hand. 

Because this situation is possible, it is crucial to protect oneself. With a robust RV policy that includes sufficient liability protection, one can rest assured that they will have the coverage they need.

We look forward to working with you!

If you need a little guidance regarding insurance matters, Perry Insurance Agency is here to provide that assistance. We are proud to serve the greater Vernal, UT area and look forward to working with you too! Call or stop by today to learn more about RV insurance options.

Four Benefit of Motorcycle Insurance Offered in Utah

Owning a motorcycle in Vernal, UT is incredible as one tends to benefit from the great experience of riding on it. Whether a veteran rider or you just purchased your first bike, protecting yourself and the cycle is a critical affair as risks associated with an occurrence resulting in property damage and bodily injury may be suffocating. It is a requirement for a motorcycle owner to consider an insurance policy for their motorcycle. 

Perry Insurance Agency offers a tailor-made solution for your motorcycle insurance needs in Vernal, UT. Shop for your motorcycle insurance with us today and achieve the satisfaction you desire.

Legal compulsory requirements by the state aside, it is prudent for one to consider available insurance options for your motorcycle insurance that are reasonable and affordable. A motorcycle owner will benefit from several things among:

  • Comprehensive coverage– This coverage mitigates risks associated with damage or losses from an accident other than a collision. These include vandalism, theft, fire, falling objects, or even damage from lightning or a storm.
  • Liability coverage– It covers damage and bodily injuries to other people if an accident occurs. It is crucial to note that in case of an accident where you are at fault, it does not cover personal injuries or damage to the motorcycle.
  • Loan/lease-pay-off – This applies if your motorcycle is stolen or destroyed. Though it’s optional, it compensates for the face value of your bike in the event it’s stolen or damaged, minus the remaining lease or loan amount.
  • Payment for property damage or bodily injury is provided for under this policy if the other party in the accident is underinsured or not insured at all.
  • Medical expense coverage– The policyholder benefit from this policy as medical bills for you and your passengers is paid in the event of an accident.
  • Roadside assistance covers transportation, food, and lodging if your bike has mechanical issues.

At Perry Insurance Agency, we will customize your motorcycle insurance needs to suit you. You will be fortunate to benefit from our services which may include collision and comprehensive cover, total replacement cost, bodily injury or property damage, accessory coverage, roadside assistance, medical liability, and more.

Deciding on how much insurance one needs for their motorcycle and the coverage in an accident that leaves other people injured or property damaged is paramount. Call or visit our offices at Perry Insurance Agency for all your bike insurance needs in Vernal, UT.

What happens if there’s a slip and fall accident on your boat?

Vernal, UT boat owners can rely on the Perry Insurance Agency team for all their insurance needs. We are proud to provide our clients with insurance options allowing them to choose the best policies that best meet their needs. Call or stop by today if you have any questions about your current boat insurance policy.

Liability coverage is an essential part of any boat insurance policy

Slip and fall accidents can be a frequent occurrence, especially on boats. Unfortunately, if a passenger on your boat has such a mishap, you can be held financially responsible for their medical expenses. This is why many boat owners in our area opt for a robust amount of liability and medical expense coverage. 

With the proper protection in place, you can avoid the financial expense that can occur due to injuries sustained in a slip and fall accident. No one wants to worry about a lawsuit from a friend or family member due to an accident. But you can be protected when you have a comprehensive boat insurance policy.

Owning a boat does come with risks, and it’s essential to protect yourself from them. Your local agent can help you determine the level of coverage and protection appropriate for your boat insurance needs. 

Let us help you find the coverage that’s right for you!

The team at Perry Insurance Agency is here to help the greater Vernal, UT community with all of its insurance needs. If you are considering getting a boat or think it may be time to upgrade your current policy, you can count on us for all your insurance needs. Contact our office today to find out more!