Pierson and Fendley Insurance Blog
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Pierson and Fendley are independently owned and locally operated to handle your insurance needs. Their offices in Paris and DeKalb Texas offer affordable and reliable insurance choices all across Texas. They will help you find the right combination of tailored, personalized insurance coverage at just the right price to fit your needs. They strive to offer you quality insurance coverage, a high..
Pierson and Fendley Insurance Blog
1w ago
Home Office Desk by Ken Tomita
The rise of home-based businesses has been one of the most significant shifts in the modern work landscape. While operating a business from home offers convenience and flexibility, it also necessitates careful consideration of insurance needs. Traditional home insurance policies often fall short of covering the unique risks associated with running a business from home. Here are some critical insurance considerations every home-based business owner should evaluate.
The Crucial Role of Liability Coverage
One of the main concerns for any business, including those ba ..read more
Pierson and Fendley Insurance Blog
3w ago
Teen Driver by Vladimir Srajber
As parents, the safety of our teenage drivers is paramount. With road accidents constituting a significant risk for young drivers, leveraging technology to enhance their safety isn't just smart; it's essential. Telematics for vehicles is a game-changing technology that is making driving safer for teens everywhere.
What Are Telematics?
Telematics systems combine GPS technology, onboard diagnostics, and real-time monitoring to gather detailed information about a vehicle's operation and the driving behavior of its operator. This technology can track a variety of da ..read more
Pierson and Fendley Insurance Blog
1M ago
Worker Using an Angle Grinder by Anamul Rezwan
Business owners have multiple types of insurance to protect them from a variety of financial and legal risks. They should also protect their employees with workers’ comp insurance. Here’s what you need to know about this type of insurance coverage.
What Is Workers’ Comp?
“Workers’ comp” is short for “workers’ compensation” and can help pay for medical care and other expenses if one of your employees becomes sick or is hurt on the job from hazards like exposure to chemicals or a fall. It can also cover injuries from repetitive use that develop over ..read more
Pierson and Fendley Insurance Blog
2M ago
Living Room by Home Decor Interiors
In the aftermath of an unexpected event, such as a fire, theft, or natural disaster, having a comprehensive home inventory can be a lifeline. This detailed list of your possessions not only aids in the homeowner insurance claim process, but also helps in the recovery and replacement of lost items. Understanding the importance of a home inventory and knowing the most effective ways to create one are crucial steps in safeguarding your assets.
Why a Home Inventory is Crucial
A home inventory is invaluable in providing evidence of ownership and the condition of ..read more
Pierson and Fendley Insurance Blog
2M ago
Smart Device Management by Jakub Zerdzicki
If you own a rental property — whether a long-term one or a short-stay place you rent out to vacationers — you want to treat it like a business, as it provides income for you. Here are six smart devices that can help you protect your financial investment, minimize complaints from neighbors, and help reduce the risk of insurance claims.
Smart Thermostat
A smart thermostat goes beyond simple programmable features that let you automate when your heat and air conditioning go on and off. You can control a smart thermostat via a mobile device, so you don’t ..read more
Pierson and Fendley Insurance Blog
3M ago
Boat Loaded on a Trailer by dimitrisvetsikas1969
Owning a boat can make weekends and vacations fun and memorable. Follow these tips to help ensure that when you’re towing your boat you’re being as safe as possible to lower the risk of accidents and unwanted insurance claims.
Make Sure Your Vehicle Is Powerful Enough for Towing
Many people underestimate the amount of power they need to tow a boat. It’s actually better to overestimate the power necessary than to fall short. The general rule of thumb is you need at least 15 percent more capacity than the weight of the boat fully loaded plus your ..read more
Pierson and Fendley Insurance Blog
3M ago
Person Using a Computer by Vojtech Okenka
With the increase in online business operations and employees working from home, companies are at greater risk of internet fraud. To help keep your business from what could be a potentially ruinous incident, follow these tips.
Perform Employee Background Checks
Even with all the security measures listed below, your business can still fall victim to fraud if you hire someone who engages in criminal activity. It’s smart to do your due diligence when hiring and check references as well as perform background checks on candidates.
Invest in Secure Equipment ..read more
Pierson and Fendley Insurance Blog
4M ago
Painting Materials Beside a Ladder by Blue Bird
If you’re planning a home improvement project, you probably have many contractors available to choose from. How do you pick the right one that will get the job done safely and without liability issues? Follow these tips.
Get Word-of-Mouth Recommendations
One of the best ways you can find a contractor is to ask friends and neighbors who have done remodels or additions you like. Ask about things like:
Was the contractor punctual and reliable?
Did the project come in on or under budget?
Would they hire the contractor again?
Read Online Reviews
Onl ..read more
Pierson and Fendley Insurance Blog
4M ago
Remote Worker Using a Laptop by Christina Morillo
Remote work is rapidly becoming a business model for the future. If your company has never hired remote workers before, here are some expert tips to help set you up for success and protect your business too.
Determine Employment Status
First, you should decide whether or not you want to hire an employee or an independent contractor (aka freelancer). Depending on the hours involved and the job description, some state laws where the worker is located determine this status for you. If you try to claim a full-time employee is a contractor, it could ..read more
Pierson and Fendley Insurance Blog
5M ago
Modern Kitchen by Mark
When you tackle home improvement projects, it’s wise to prioritize those that add the most to your property’s value, especially if you might put your home on the market in the next few years. Here are the renovations that give you the biggest return on your investment.
Kitchen Remodels
If you’re like most folks, you probably spend a fair amount of time in your kitchen, even when you have guests. For this reason, making over your kitchen will usually let you recoup your investment in equity or a higher sale price. Common remodeling elements include:
Replacing appliances ..read more