J Harper Insurance, LLC

10/07/2026

What happens when tools are stolen from a job site? Understand the need for Commercial Property Coverage.

Commercial Property Coverage for Tools Stolen from Jobsite

10/05/2026

Shopping for home or auto insurance? We now offer Liberty Mutual and can create a customized policy that fits your needs. Contact us for a quote:

10/02/2026

Do you know how to keep mold in check? Follow these steps to help control the moisture and mold in your home.

An often overlooked but crucial task of homeownership is inspecting your basement’s foundation. - Inspecting the foundation can help you to identi...

09/22/2026

If your condo association has a major insured loss, the association’s master policy may respond but there can still be a large deductible or other covered expense that gets assessed back to individual unit owners.

That’s where Loss Assessment Coverage may come into play.

The catch? Having $25,000 or $50,000 of Loss Assessment Coverage does not necessarily mean all of that amount is available for an assessment involving the association’s master-policy deductible. Some policies have a much lower sublimit for that specific situation.

A few things condo owners should know:

• What is your association’s master-policy deductible?
• What is your HO-6 Loss Assessment limit?
• Is there a separate sublimit for master-policy deductibles?
• Have those limits kept pace with your association’s current insurance program?

These are questions worth asking before there is a loss, not after an assessment letter arrives.

If you own a condo, take a few minutes to review this coverage with your insurance agent. A small coverage detail can make a significant difference when a large assessment occurs.

09/21/2026

Inland marine insurance includes different types of commercial property policies designed to cover a small business's products, equipment, and materials when damaged or lost in transit over land.

Get a customized quote today and protect your small business assets in transit over land with inland marine insurance. Get coverage for valuable property, equipment, and tools wherever they go.

09/17/2026

Insurance is the essential safety net for your small business. From legal claims to property damage, the right coverage protects you from unexpected peril. Here are 10 essential policies to safeguard your company and give you peace of mind.

Explore 10 essential types of small business insurance to protect your company. Learn about coverage options for liability, property, and more.

09/14/2026

Group captive insurance has become an increasingly discussed topic in commercial insurance, yet it remains widely misunderstood.

As an independent insurance agent, understanding how group captives work can better equip you to help clients navigate an evolving marketplace.

09/10/2026

School days bring congestion: School buses pick up their passengers, kids on bikes hurry to get to school before the bell rings, and harried parents are trying to drop their kids off before work. It's never more important for drivers to slow down and pay attention than when kids are present – especially before and after school.

Back-to-school mean sharing the road. It's never more important for drivers to slow down and pay attention than when kids are present – especially before and after school.

07/16/2026

Commercial Auto Rates May Be Improving

I received the following update from National General this morning.

Effective July 16, 2026, for new business, and September 21, 2026, for renewals, we are significantly lowering rates for commercial auto customers in Georgia.

If you've been looking for ways to lower your commercial auto insurance premiums, now may be a great time to review your coverage.

Let's talk! I can compare your current policy and see if there are opportunities to save while maintaining the protection your business needs.

Reach out today for a no-obligation commercial auto insurance review.

07/07/2026

Why do you need business interruption insurance? Essential advice for entrepreneurs, start-ups and dream builders.