http://www.mooreinsuranceinc.com/blog/View Moore Insurance Group Agency Inc.'s Website Blogen-uspostmaster@www.mooreinsuranceinc.comInsurance Website Builder - www.insurancewebsitebuilder.comurn:uuid:6bebcc0f-b9e5-4b0b-9585-f8ae6fd37169urn:uuid:1587240a-a101-46d0-bc41-8ce3cfd6c284 Moore Insurance Group opens second office, in Ilion by Traci DeLore 11/14/2011 11:58:00 AM ILION &mdash; Less than two years after opening for business, Ryan Moore is expanding his insurance agency into Herkimer County with a new office in Ilion...Sat, 19 Nov 2011 13:36:09 -0600<div><strong> <h2>Moore Insurance Group opens second office, in Ilion</h2> </strong></div> by <em>Traci DeLore</em><br /> <br /> 11/14/2011 11:58:00 AM<br /> <br /> <div style="float: right; display: inline;"></div> <p>ILION &mdash; Less than two years after opening for business, Ryan Moore is expanding his insurance agency into Herkimer County with a new office in Ilion.</p> <p>Moore Insurance Group Agency, Inc. first opened its doors in Rome in April 2010, with Ryan Moore as president and his brother Jonathan (Ty) Moore as vice president.</p> <p>&ldquo;We had some good products,&rdquo; Ryan Moore says, and the agency started to gain traction.</p> <p>Moore Insurance hired a branch manager and three other employees.</p> <p>&ldquo;Before you knew it, we had a really nice, dynamic office,&rdquo; Moore says.</p> <p>In that first year, Moore had goals to sign at least 100 policies in his first 100 days in business, write at least $300,000 in premiums, and put between 200 and 250 insurance policies in force. </p> <p>Moore says he was able to achieve all those goals, and he was soon looking for his next challenge.</p> <p>It was his relationship with Erie Insurance as a representative that actually provided his next opportunity for growth, Moore says.</p> <p>Erie was looking for an agent to set up shop in Herkimer County &mdash; a market where it had no representation &mdash; and approached Moore to see if he was willing.</p> <p>Moore says he jumped at the opportunity, although it took a little time to find the right location and get the office set up.</p> <p>Moore Insurance opened the Ilion office Nov. 14 at 130 W. Main St., where the agency leases about 1,000 square feet from John Richards in the Northern Floors building.</p> <p>The new office makes Moore Insurance Group the first carrier to offer Erie Insurance products in the Ilion, Herkimer, Mohawk, and Frankfort area. Moore hopes those offerings will help his company attract new clients who are looking for some different options.</p> <p>Erie has even cut its rates by 5 percent in many parts of the county, making it a very competitive option, Moore contends.</p> <p>Moore Insurance also offers products from Travelers, New York Central Mutual, The Hartford, ING, MetLife, and Progressive to provide commercial, home, auto, business, life, farm, worker&rsquo;s compensation, snowmobile, and all-terrain vehicle coverage. Moore says his agency will compete with several agencies in the Ilion area including State Farm and Allstate.</p> <p>Hope Headley, an Ilion resident, is the branch manager for the Ilion office of Moore Insurance. She has more than 10 years experience in the insurance industry and worked previously for Medders Insurance Agency and State Farm.</p> <p>&ldquo;She brings a vast amount of insurance knowledge to this office,&rdquo; Moore says.</p> <p>Headley says the company will soon launch a marketing plan for Herkimer County. In the meantime, she&rsquo;s keeping busy getting out and meeting people and getting the agency involved in the community.</p> <p>&ldquo;I think they&rsquo;ll find we&rsquo;re a little different than others,&rdquo; Moore says of his firm. Moore, who has a background in commercial banking as well as insurance, says he can help customers with everything from finding the right auto-insurance coverage to developing a business plan. He hopes this value-added service will help his customers grow and allow his agency to grow with them.</p> <p>Moore declined to share current client figures for his firm or his goals for the Ilion office.</p> <p>Moore Insurance Group (www.mooreinsuranceinc.com) employs nine people. Moore says he hopes to organize an event to celebrate the opening of the Ilion office in the near future.&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; </p>urn:uuid:af648fc5-02be-40cf-978d-2e06aab2939eDo You Need Home-based Business Insurance? The extra way you&rsquo;re making money may be vulnerable to loss. &nbsp;High-tech communications and the Internet are making it possible for more people to become self-employed and offer services out of a ...Tue, 23 Aug 2011 07:23:11 -0500<p><strong>Do You Need Home-based Business Insurance? </strong></p> <p><em>The extra way you&rsquo;re making money may be vulnerable to loss.</em></p> <p><strong>&nbsp;</strong>High-tech communications and the Internet are making it possible for more people to become self-employed and offer services out of a basement or spare room. What some might not think about, though, is the risk associated with operating a business from your home that may not be covered by your homeowners insurance. Specifically, you may be liable for damages resulting from your business operations or you may risk losing equipment or supplies.&nbsp; </p> <p>&nbsp;The main reason a homeowners policy may not cover liabilities for a home-based business is because the <em>business</em> is creating the risk of loss, not the home. </p> <p>&nbsp;What to consider when you operate a home-based business:</p> <ul style="margin-top: 0in; list-style-type: disc;"> <li>How much <strong>will</strong> your homeowners insurance cover if there is a loss?</li> <li>What coverage do you need in order to insure your business equipment?</li> <li>Could your business be added to your homeowners policy as an endorsement? Or do you need separate policies? </li> <li>Do you have customers coming into your home? (If so, you should consider extra liability protection in case of an accident, such as a fall down the stairs or on the sidewalk.)</li> </ul> <p>&nbsp;</p> <p>Not sure what protection you need? Give us a call, and we can help. We can tell you about our products that can cover these risks and help you decide what&rsquo;s right for your situation. (315)371-4288.</p>urn:uuid:e1606d4d-195e-44c1-ba20-30e53c842a67 "Help Me Understand Workers' Compensation Insurance Enough to Feel Good About What I Buy!" That's the number one request small business owners make when asked what carriers and agents can do to make workers' compensation insurance buying more under...Tue, 19 Jul 2011 07:46:37 -0500<strong> <p><strong>"Help Me Understand Workers' Compensation Insurance Enough to Feel Good About What I Buy!"</strong></p> </strong> <p>That's the number one request small business owners make when asked what carriers and agents can do to make workers' compensation insurance buying more understandable. We took their request to heart and developed an interactive website to explain workers' compensation in plain English.<br /> <br /> <br /> Click the link below to view an informative workers compensation presentation by The Hartford.<br /> <br /> <br /> <a href="http://www.thehartford.com/workerscomp/generic.html" target="_blank">http://www.thehartford.com/workerscomp/generic.html</a><br /> <br /> <br /> As always, any questions relating to workers compensation can be directed to our agency.&nbsp; We're here to help make your life easier.&nbsp; (315)371-4288.</p> <strong><br /> </strong>urn:uuid:28878c7c-9b11-40e6-ad65-c4d0cdd355ecTwo Electric Cars Earn Top Safety Rating Two electric cars ? Chevrolet Volt and Nissan Leaf ? are getting the green light from safety experts. Both vehicles recently earned the highest safety ratings from the Insurance Institute for Highway Safety i...Thu, 07 Jul 2011 06:53:05 -0500<p style="margin-bottom: 7.5pt; line-height: 12pt;"><strong>Two Electric Cars Earn Top Safety Rating</strong></p> <p style="margin-bottom: 7.5pt; line-height: 12pt;">Two electric cars ? Chevrolet Volt and Nissan Leaf ? are getting the green light from safety experts. </p> <p style="margin-bottom: 7.5pt; line-height: 12pt;">Both vehicles recently earned the highest safety ratings from the Insurance Institute for Highway Safety in its first-ever U.S. crash test evaluations of plug-in electric cars. </p> <p style="margin-bottom: 7.5pt; line-height: 12pt;">The Volt and Leaf earned the top protection rating for the four most common kinds of injury crashes: front, side, rear and rollover. With these ratings and standard electronic stability control, they qualify as winners of <em>Top Safety Pick</em>, the Institute's award for state-of-the-art crash protection.</p> <p style="margin-bottom: 7.5pt; line-height: 12pt;">"What powers the wheels is different, but the level of safety for the Volt and Leaf is as high as any of our other top crash test performers," says Joe Nolan, the Institute's chief administrative officer.</p> <p style="margin-bottom: 7.5pt; line-height: 12pt;"><strong>Fuel efficient, too</strong></p> <p style="margin-bottom: 7.5pt; line-height: 12pt;">The dual-power Volt and all-electric Leaf not only surpass benchmarks for protecting occupants in crashes, but they also exceed current fuel efficiency and emissions standards. Both models are new for 2011. </p> <ul style="margin-top: 0in; list-style-type: disc;"> <li style="color: windowtext; margin-bottom: 7.5pt; line-height: 12pt;"><strong>The Volt</strong> is a plug-in battery/gasoline hybrid that can run in electric-only mode with a range of about 35 miles on a single charge. A gasoline engine kicks in to power the electric motor when the battery is spent. </li> <li style="color: windowtext; margin-bottom: 7.5pt; line-height: 12pt;"><strong>The Leaf</strong> runs on battery power alone and has an Environmental Protection Agency-estimated average range of about 73 miles on a single charge.</li> </ul> <p style="margin-bottom: 7.5pt; line-height: 12pt;"><strong>Small but safe</strong></p> <p style="margin-bottom: 7.5pt; line-height: 12pt;">The Volt and Leaf are classified as small cars, with their overall length, width and passenger capacity in line with their peers. But their hefty battery packs put their curb weights and handling stability closer to midsize and larger cars. </p> <p style="margin-bottom: 7.5pt; line-height: 12pt;">"The Leaf and Volt's extra mass gives them a safety advantage over other small cars," Nolan says. "These electric models are a win-win for fuel economy and safety."</p> <p style="margin-bottom: 7.5pt; line-height: 12pt;">The addition of the two electric cars brings the Institute&rsquo;s number of <a href="http://www.iihs.org/ratings/default.aspx">safety award winners</a> so far for this year to 80. It lifts General Motors' current model tally to 12 and Nissan's to 3. The safety ratings help consumers pick vehicles that offer a higher level of protection than federal safety standards require.</p> <p><strong>Shopping for a new car?</strong></p> <p>If you&rsquo;re buying a new car, keep safety in mind and check out the full list of winners. Also, give us a call beforehand and we can let you know how much your new car will cost to insure. We can help you learn which safety features can earn you a discount on your ERIE auto insurance, too. </p>urn:uuid:4c0e19c8-9063-4074-aadc-6235af90facdCheck Your Coverage Before Flood Waters Rise &nbsp; Floods can happen anywhere, anytime. They&rsquo;re one of the most unpredictable catastrophes, and just a few inches of water can soak your home and sock your wallet. And, according to safety expert...Mon, 23 May 2011 11:05:35 -0500<p><strong>Check Your Coverage Before Flood Waters Rise</strong></p> <p>&nbsp;</p> <p>Floods can happen anywhere, anytime. They&rsquo;re one of the most unpredictable catastrophes, and just a few inches of water can soak your home and sock your wallet. And, according to safety experts, your home has a greater chance of being damaged by a flood than a fire. </p> <p>&nbsp;</p> <p>But, did you know that homeowners insurance policies don&rsquo;t cover flood damage? Only flood insurance will cover the losses. </p> <p>&nbsp;</p> <p>We can help you secure flood insurance to protect your home or business. Flood coverage options are available to you through:</p> <p>&nbsp;</p> <ul style="margin-top: 0in; list-style-type: disc;"> <li>Erie Insurance, which has partnered with American Bankers Insurance Company. American Bankers is one of the top flood carriers in the country. They have consistently received an excellent rating for financial strength from <a target="_blank" href="http://www3.ambest.com/consumers/content.asp?refnum=116156">A.M. Best</a> credit rating organization.</li> <li>The Federal Emergency Management Agency&rsquo;s National Flood Insurance Program. The NFIP offers flood insurance to homeowners, renters and business owners.</li> </ul> <p>&nbsp;</p> <p>It&rsquo;s a good idea to start the process as soon as you can because most flood insurance policies have at least a 30-day waiting period before they take effect.</p> <p>&nbsp;</p> <p>Also, premium costs for residential properties vary depending on coverage, which is available for your building, contents or both. Our agency can help you determine the flood risk level for your home and property and advise you on the appropriate level of insurance protection. Give us a call to learn more about adding this coverage to your insurance package. (315)371-4288</p> <p>&nbsp;</p> <p>&nbsp;</p> <p>&nbsp;</p> <div style="border-width: medium medium 1pt; border-style: none none solid; border-color: -moz-use-text-color -moz-use-text-color windowtext; -moz-border-top-colors: none; -moz-border-right-colors: none; -moz-border-bottom-colors: none; -moz-border-left-colors: none; -moz-border-image: none; padding: 0in 0in 1pt;"> <p style="border: medium none; padding: 0in;">&nbsp;</p> </div> <p>&nbsp;</p> <p style="text-indent: 0.25in;"><em>ERIE^&reg; insurance services are provided by one or more of the following insurers: Erie</em></p> <p style="text-indent: 0.25in;"><em>Insurance Exchange, Erie Insurance Company, Erie Insurance Property &amp; Casualty</em></p> <p style="text-indent: 0.25in;"><em>Company, Flagship City Insurance Company and Erie Family Life Insurance</em></p> <p style="text-indent: 0.25in;"><em>Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New</em></p> <p style="text-indent: 0.25in;"><em>York</em><em> (home office: Rochester, New York). Not all companies are licensed or operate</em></p> <p style="text-indent: 0.25in;"><em>in all states. Not all products are offered in all states. Go to erieinsurance.com for</em></p> <p style="text-indent: 0.25in;"><em>company licensure and territory information.</em></p> <p>&nbsp;</p>urn:uuid:a6d72f6a-6e3e-4c78-a6c9-ac1659ca9c69Check Your Coverage Before You Hit the Road &nbsp; Cooler of snacks&mdash;check. Full tank of gas&mdash;check. Added Auto Enhancement Endorsement to your policy&mdash;huh? &nbsp; Spring is a great time to take a vacation and get out on the open road...Mon, 23 May 2011 11:01:25 -0500<p><strong>Check Your Coverage Before You Hit the Road</strong></p> <p>&nbsp;</p> <p>Cooler of snacks&mdash;check. Full tank of gas&mdash;check. Added Auto Enhancement Endorsement to your policy&mdash;huh? </p> <p>&nbsp;</p> <p>Spring is a great time to take a vacation and get out on the open road. Wherever you&rsquo;re headed&mdash;the beach, the mountains, or anywhere with sunshine&mdash;make sure you go prepared. </p> <p>&nbsp;</p> <p>ERIE&rsquo;s Auto Enhancement Endorsement* offers extra coverage to avoid sticky situations that could put a damper on your getaway. Let&rsquo;s face it&mdash;road trips are no fun if you&rsquo;re stuck in a repair shop after an accident. </p> <p>&nbsp;</p> <p>The Auto Enhancement Endorsement is the ticket to help you out in such a pinch. It can cover emergency travel costs, up to $150 per person.&nbsp; The endorsement also has other long-lasting features that are beneficial:</p> <ul style="margin-top: 0in; list-style-type: disc;"> <li>Transportation expenses after a loss&mdash;ERIE will pay for up to seven additional days beyond the standard auto insurance policy if your car is in the shop after an accident. </li> <li>Higher coverage limits for personal effects, sound equipment and more.</li> <li>Diminishing deductible&mdash;reduced by $100 for each consecutive claims-free policy year that you&rsquo;re insured, up to a maximum of $500.</li> <li>Deductible waiver&mdash;comprehensive or collision deductible is not applied if the accident involves your property that&rsquo;s insured under an ERIE <a href="http://www.erieinsurance.com/homeowners/HomeProtector.aspx">HomeProtector</a> policy. </li> </ul> <p>&nbsp;</p> <p>So give us a call before you hit the road, and make sure to buckle up! (315)371-4288</p> <p><em>*The Auto Enhancement Endorsement is not available in North Carolina.</em></p> <div style="border-width: medium medium 1pt; border-style: none none solid; border-color: -moz-use-text-color -moz-use-text-color windowtext; -moz-border-top-colors: none; -moz-border-right-colors: none; -moz-border-bottom-colors: none; -moz-border-left-colors: none; -moz-border-image: none; padding: 0in 0in 1pt;"> <p style="border: medium none; padding: 0in;">&nbsp;</p> </div> <p style="text-indent: 0.25in;">&nbsp;<em>ERIE^&reg; insurance services are provided by one or more of the following insurers: ErieInsurance Exchange, Erie Insurance Company, Erie Insurance Property &amp; Casualty</em></p> <p style="text-indent: 0.25in;"><em>Company, Flagship City Insurance Company and Erie Family Life Insurance Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New York</em><em> (home office: Rochester, New York). Not all <br /> </em></p> <p style="text-indent: 0.25in;"><em>companies are licensed or operate in all states. Not all products are offered in all states. Go to </em>erieinsurance.com<em> for </em><em>company licensure and territory information.</em></p>urn:uuid:05432b95-a710-4b8f-9ef6-727b03a975aeTami Cantarano, licensed insurance agent in the property and casualty field, became the newest addition to the team of skilled professionals at Moore Insurance Group.&amp;nbsp; Tami has a 15-year Tami Cantarano, licensed insurance agent in the proper...Fri, 11 Mar 2011 13:10:55 -0600<a name="tami"></a>Tami Cantarano, licensed insurance agent in the property and casualty field, became the newest addition to the team of skilled professionals at Moore Insurance Group.&amp;nbsp; Tami has a 15-year <a name="tami"></a>Tami Cantarano, licensed insurance agent in the property and casualty field, became the newest addition to the team of skilled professionals at Moore Insurance Group.&nbsp; Tami has a 15-year background in the insurance industry in both Utica and Rome and has focused her career on working with local employers to offer on-site personal insurance services, including auto, life, and home. <p>Tami&rsquo;s background creates a new offering for Moore Insurance Group according to Ryan Moore, CEO, &ldquo;We are committed to providing a wide array of services to our clients and Tami brings unique experience in providing on-site personal insurance,&rdquo; he said. &nbsp;&ldquo;Tami has spent her career providing excellent customer service within local businesses in the Mohawk Valley and this familiarity will serve as an asset to our customers,&rdquo; he added. </p> <p>Like Moore&rsquo;s other employees, Tami is also committed to bettering the local community.&nbsp; Cantarano is a Sunday school teacher at Immanuel Baptist Church in Rome and will serve as the Administrative Vice President of the local Rome chapter of the national organization MOMS Club.</p> <p>&ldquo;As part of my community service through MOMS Club, I will facilitate a &lsquo;grandparent&rsquo; program with a local senior center, organize volunteers for Rome&rsquo;s Cleanup Day and assist serving meals at the Rome Rescue Mission,&rdquo; said Cantarano.</p> Cantarano began working at Moore Insurance Group in February and is available to provide free informational sessions to businesses interested in offering personal insurance services within their facilities.&nbsp; For more information, contact the Moore Insurance Group at (315) 371-4288.urn:uuid:397a0a01-e280-4185-b496-beb2b6fa0068No one can put a price on sentimental value, but insuring your jewelry will keep it financially protected should it ever be lost or stolen. So, if you receive a gem for Valentine&rsquo;s Day, here are a few things to help you understand and protect i...Fri, 11 Mar 2011 11:34:29 -0600<p>No one can put a price on sentimental value, but insuring your jewelry will keep it financially protected should it ever be lost or stolen. So, if you receive a gem for Valentine&rsquo;s Day, here are a few things to help you understand and protect its value.</p> <p>First, have it appraised. That can help you assign a dollar value to this meaningful item. Keep your receipt or appraisal with your home inventory records and take a picture of the item, too. If it&rsquo;s not something you&rsquo;ll use often, consider storing it in a safe or a safety deposit box. </p> <p>Then, once you know the value, think about how the item will be financially protected. </p> <p>If you&rsquo;ve purchased homeowners through Erie Insurance, you probably have a $3,000 limit for the theft of specific types of personal items, automatically. If you own jewelry, watches, furs or precious stones that are worth more than $3,000 combined, or if you own any one item that&rsquo;s worth more than $3,000, you may want to purchase additional insurance. </p> <p>ERIE offers several options that can help you protect these valuables:</p> <p style="margin-left: 0.5in;">&bull; <strong>Purchasing an expanded or enhanced endorsement.</strong> For an additional premium, you can increase your per-item coverage limits from $3,000 to $5,000 for extra theft coverage. With this option, you can make a claim on any one item up to $5,000. The homeowners deductible applies. </p> <p style="margin-left: 0.5in;">&bull; <strong>Purchasing a personal inland marine policy.</strong> You can add a personal inland marine endorsement to your Erie Insurance homeowners policy, or purchase a separate personal inland marine policy from ERIE. These policies specifically cover expensive items such as jewelry, furs, watches or precious stones. This type of policy provides comprehensive coverage, including theft, misplacement or loss of a valuable item. The policy can be purchased with no deductible. Or, for a reduced premium, a deductible can be applied. </p> <p>Thinking about how to protect your belongings doesn&rsquo;t have to be hard. Give us a call at (315) 371-4288. We can help you review your coverage and determine if more coverage is needed. </p> <br /> <p><em><hr /> </em></p> <p><span style="font-size: 10px;"><em>ERIE^&reg; insurance services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property &amp; Casualty</em><em> Company, Flagship City Insurance Company and Erie Family Life Insurance</em><em> Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New</em><em> York (home office: Rochester, New York). Not all companies are licensed or operate</em><em> in all states. Not all products are offered in all states. Go to erieinsurance.com for</em><em> company licensure and territory information.</em></span></p> <p></p>urn:uuid:1fcadf64-abc6-41e2-8ce3-27f367547497 Automakers have stepped up safety. Ten new vehicles have joined the 2011 TOP SAFETY PICK winners&rsquo; list from the Insurance Institute for Highway Safety, for a total of 66 winners. One of them is the 2011 Ford Explorer, which, for the first time...Fri, 11 Mar 2011 11:33:04 -0600<a name="safe"></a> <p style="text-align: justify;">Automakers have stepped up safety. Ten new vehicles have joined the 2011 <em>TOP SAFETY PICK</em> winners&rsquo; list from the Insurance Institute for Highway Safety, for a total of 66 winners. One of them is the 2011 Ford Explorer, which, for the first time, joins previous and current Ford SUV winners: the Ford Flex and Lincoln MKT. The all-new Ford Fiesta is the only minicar to earn the <em>TOP SAFETY PICK</em> in 2011. </p> <div style="text-align: justify;"> </div> <div style="text-align: justify;"> </div> <p style="text-align: justify;">What&rsquo;s <em>not </em>on the list? Pickups. None of the small pickups that the Institute evaluated qualified for this year's award, and large pickups haven't yet been tested.</p> <div style="text-align: justify;"> </div> <p style="text-align: justify;">The front-running automakers on the list are Hyundai/Kia and Volkswagen/Audi, who each have nine winners for 2011. Next in line with eight awards apiece are General Motors, Ford/Lincoln, and Toyota/Lexus/Scion. Subaru is the only manufacturer with a winner in all the vehicle classes in which it competes. Subaru earns five awards for 2011.&nbsp; </p> <p style="text-align: justify;">Notably, for consumers looking to buy a fuel-efficient small car, General Motors provides a new award-winning option with the Chevrolet Cruze. GM built the Cruze&mdash;which has ten standard airbags&mdash;including ones for the knees, to outperform the government's minimum roof strength requirements, and touts the achievement as a selling point.</p> <div style="text-align: justify;">If you&rsquo;re buying a new car, keep safety in mind and check out the full list of winners. Also, give us a call beforehand and we can let you know how much your new car will cost to insure before you buy. We can help you learn which safety features can earn you a discount on your ERIE auto insurance, too.&nbsp; For more information about insuring your new vehicle, call the Moore Insurance Group at (315) 371-4288. </div> <p style="margin-bottom: 4.6pt;"><strong><span style="text-decoration: underline;">2011 <em>TOP SAFETY PICK </em>WINNERS</span></strong><strong> </strong>(new winners in red)<strong> </strong></p> <p style="margin-bottom: 4.6pt;"><strong>Large cars</strong><br /> Buick LaCrosse<br /> Buick Regal<br /> BMW 5 series (except 4-wheel drive and V8)<br /> Cadillac CTS sedan<br /> Ford Taurus<br /> Hyundai Genesis<br /> Infiniti M37/M56 (except M56x 4-wheel drive)<br /> Lincoln MKS<br /> <span style="color: #c00000;">Mercedes E class coupe</span><br /> Mercedes E class sedan<br /> Toyota Avalon <br /> Volvo S80&nbsp; </p> <p style="margin-bottom: 4.6pt;"><strong>Midsize cars</strong><br /> Audi A3<br /> Audi A4 sedan<br /> Chevrolet Malibu<br /> Chrysler 200 4-door<br /> Dodge Avenger<br /> Ford Fusion<br /> Hyundai Sonata<br /> <span style="color: #c00000;">Kia Optima</span><br /> Lincoln MKZ <br /> Mercedes C class<br /> Subaru Legacy <br /> Subaru Outback<br /> <span style="color: #c00000;">Volkswagen Jetta sedan</span><br /> Volkswagen Jetta SportWagen<br /> Volvo C30</p> <p style="margin-bottom: 4.6pt;"><strong>Small cars</strong><br /> <span style="color: #c00000;">Chevrolet Cruze</span><br /> Honda Civic 4-door models (except Si) with optional electronic stability control<br /> Kia Forte sedan<br /> Kia Soul<br /> Mitsubishi Lancer sedan (except 4-wheel drive)<br /> Nissan Cube<br /> <span style="color: #c00000;">Scion tC</span><br /> Scion xB <br /> Subaru Impreza sedan and hatchback (except WRX)<br /> Toyota Corolla<br /> Volkswagen Golf 4-door<br /> <span style="color: #c00000;">Volkswagen GTI 4-door</span></p> <p style="margin-bottom: 4.6pt;"><strong>Minicar</strong><br /> Ford Fiesta sedan and hatchback (built after July 2010)</p> <p style="margin-bottom: 4.6pt;"><strong>Small SUVs </strong><br /> Honda Element<br /> Hyundai Tucson <br /> Jeep Patriot with optional side torso airbags<br /> Kia Sportage<br /> Subaru Forester<br /> Volkswagen Tiguan</p> <p style="margin-bottom: 4.6pt;"><strong>Large SUV</strong><br /> <span style="color: #c00000;">Volkswagen Touareg</span></p> <p style="margin-bottom: 4.6pt;"><strong>Minivan</strong><br /> Toyota Sienna </p> <p style="margin-bottom: 4.6pt;"><strong>Midsize SUVs</strong><br /> Audi Q5<br /> Cadillac SRX<br /> Chevrolet Equinox <br /> Dodge Journey<br /> <span style="color: #c00000;">Ford Explorer</span><br /> Ford Flex<br /> GMC Terrain<br /> <span style="color: #c00000;">Hyundai Santa Fe</span><br /> Jeep Grand Cherokee<br /> Kia Sorento built after March 2010<br /> Lexus RX<br /> Lincoln MKT<br /> <span style="color: #c00000;">Mercedes GLK </span><br /> Subaru Tribeca<br /> Toyota Highlander<br /> Toyota Venza <br /> Volvo XC60<br /> Volvo XC90</p> <br /> <br /> <p><em><hr /> </em></p> <p><span style="font-size: 10px;"><em>ERIE^&reg; insurance services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property &amp; Casualty</em><em> Company, Flagship City Insurance Company and Erie Family Life Insurance</em><em> Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New</em><em> York (home office: Rochester, New York). Not all companies are licensed or operate</em><em> in all states. Not all products are offered in all states. Go to erieinsurance.com for</em><em> company licensure and territory information.</em></span></p> <p style="text-align: justify;"><em></em></p>urn:uuid:a0de68d2-23f8-4cb6-b492-33608411693eThe extra way you&rsquo;re making money may be vulnerable to loss. High-tech communications and the Internet are making it possible for more people to become self-employed and offer services out of a basement or spare room. What some might not think ...Fri, 11 Mar 2011 11:25:24 -0600<a name="homebase"></a><em>The extra way you&rsquo;re making money may be vulnerable to loss</em>.<br /> <p style="text-align: justify;">High-tech communications and the Internet are making it possible for more people to become self-employed and offer services out of a basement or spare room. What some might not think about, though, is the risk associated with operating a business from your home that may not be covered by your homeowners insurance. Specifically, you may be liable for damages resulting from your business operations or you may risk losing equipment or supplies.&nbsp; </p> <div style="text-align: justify;"> </div> <p style="text-align: justify;">The main reason a homeowners policy may not cover liabilities for a home-based business is because the <em>business</em> is creating the risk of loss, not the home.&nbsp; </p> <p><strong><em>What to consider when you operate a home-based business:</em></strong></p> <ul style="margin-top: 0in; list-style-type: disc;"> <li>How much <strong>will</strong> your homeowners insurance cover if there is a loss?</li> <li>What coverage do you need in order to insure your business equipment?</li> <li>Could your business be added to your homeowners policy as an endorsement? Or do you need separate policies? </li> <li>Do you have customers coming into your home? (If so, you should consider extra liability protection in case of an accident, such as a fall down the stairs or on the sidewalk.)</li> </ul> <p>Not sure what protection you need? Give us a call, and we can help. To learn more about Erie Insurance products that can cover these risks and help you decide what&rsquo;s right for your situation, call Moore Insurance Group at (315) 371-4288.<br /> <br /> </p> <p><span style="font-size: 10px;"><em><hr /> </em></span></p> <p><span style="font-size: 10px;"><em>ERIE^&reg; insurance services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property &amp; Casualty</em></span><span style="font-size: 10px;"><em> Company, Flagship City Insurance Company and Erie Family Life Insurance</em></span><span style="font-size: 10px;"><em> Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New</em></span><span style="font-size: 10px;"><em> York (home office: Rochester, New York). Not all companies are licensed or operate</em></span><span style="font-size: 10px;"><em> in all states. Not all products are offered in all states. Go to erieinsurance.com for</em></span><span style="font-size: 10px;"><em> company licensure and territory information.</em></span></p>urn:uuid:d518e99b-16ad-4c3d-866d-2c6b69c0a2f3 We often hear questions such as, &ldquo;Why would I want to insure my house for $240,000 if it&rsquo;s only worth $120,000, according to my property taxes?&rdquo; The reason is that when you buy homeowners insurance, you&rsquo;re not insuring the ma...Fri, 11 Mar 2011 11:22:50 -0600<a name="value"></a> <p style="text-align: justify;">We often hear questions such as, &ldquo;Why would I want to insure my house for $240,000 if it&rsquo;s only worth $120,000, according to my property taxes?&rdquo; The reason is that when you buy homeowners insurance, you&rsquo;re not insuring the market value of your home. You&rsquo;re protecting yourself against financial loss if catastrophe would occur. Would it cost more than $120,000 to rebuild your home from scratch? The answer is usually yes. </p> <div style="text-align: justify;"> </div> <p style="text-align: justify;">That&rsquo;s why it&rsquo;s important to insure your home at the level it would cost to <strong>replace</strong> it&mdash;not its market value. Although it might seem like you&rsquo;d save money if you insured your home for its market value, you could end up worse financially if disaster hits. </p> <div style="text-align: justify;"> </div> <p style="text-align: justify;">It might seem strange to think about. People are inclined to think in terms of value&mdash;how much is your car worth? How much did you spend on that coat? But when it comes to insuring your home, the current market value isn&rsquo;t necessarily the most important aspect. Keeping yourself protected from financial disaster is. </p> <div style="text-align: justify;"> </div> <p style="text-align: justify;">As an Erie Insurance agency, we help figure out what coverage is right for you, depending on certain variables, including location and recent improvements you&rsquo;ve made to your home. Give us a call at (315) 371-4288.</p> <br /> <p><em><hr /> </em></p> <p><span style="font-size: 10px;"><em>ERIE^&reg; insurance services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property &amp; Casualty</em><em> Company, Flagship City Insurance Company and Erie Family Life Insurance</em><em> Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New</em><em> York (home office: Rochester, New York). Not all companies are licensed or operate</em><em> in all states. Not all products are offered in all states. Go to erieinsurance.com for</em><em> company licensure and territory information.</em></span></p> <p style="text-align: justify;"><em></em></p>urn:uuid:1a06af8e-4bc9-455b-a31c-9a50b3d0a2c1&nbsp; How To Save On Commercial Auto Insurance In The Offseason Ever mowed a lawn in January? Or plowed a snowy driveway on a hot July day? If you own and operate a seasonal business, chances are you aren't working in the off-season, so the insuran...Tue, 08 Mar 2011 08:27:29 -0600<p style="background: white;">&nbsp;</p> <p style="background: white;"><strong><span style="text-decoration: underline;">How To Save On Commercial Auto Insurance In The Offseason<br /> </span></strong><br /> Ever mowed a lawn in January? Or plowed a snowy driveway on a hot July day? If you own and operate a seasonal business, chances are you aren't working in the off-season, so the insurance you carry should be different than what you carry in-season.</p> <p style="background: white;">Leading commercial auto insurers like Progressive offer seasonal insurance for businesses like landscapers, snowplow drivers, ice cream truck owners, and more. These coverages allow you to customize your commercial auto insurance based on when your business is running on all cylinders &mdash; and when it's not.</p> <p style="background: white;">Progressive offers these tips for getting the most out of your policy in the off-season:</p> <ul style="list-style-type: disc; margin-top: 0in;"> <li style="background: white; color: #333333;">If your vehicle will be parked during the off-season, you may think you should cancel that vehicle's insurance during that time. But if you&rsquo;d like to protect your vehicle and still save a little money, just switch your insurance to a Comprehensive-only policy. This will give you basic protection against incidents like vandalism, theft, falling tree branches and hail.<br /> <br /> A Comprehensive-only policy also gives you the bonus of having continuous insurance coverage. If you drop your insurance completely, you may pay significantly more to get a new policy when in-season rolls around because most insurance companies want to see proof of continuous coverage. </li> </ul> <p style="background: white; 0: ;">&nbsp;</p> <ul style="list-style-type: disc; margin-top: 0in;"> <li style="background: white; color: #333333;">If you plan to drive your work truck or other vehicles for personal use during the off-season, let your insurance carrier know. They can adjust your policy to reflect personal use, which can be less expensive while still providing coverage. </li> </ul> <p style="background: white;">&nbsp;</p> <p>Claims handling capability is the most important feature we sell our commercial customers. Progressive consistently proves superior at settling commercial claims quickly. Call&nbsp;our agency&nbsp;at&nbsp;315-371-4288 for a free quote on your commercial vehicles today.</p>urn:uuid:8621155b-a41c-4664-be7d-5309c662844a<img src='https://imgssl.constantcontact.com/ui/images1/visitor/email1_trans.gif' align='left' />It can be one of the most exciting purchases&mdash;a new car. Whether it&rsquo;s a sports car or a family ride, here are a few things to know about keeping it insured: First, When you replace a car, the coverage on your previous vehicle will transf...Sun, 09 Jan 2011 18:18:14 -0600It can be one of the most exciting purchases&mdash;a new car. Whether it&rsquo;s a sports car or a family ride, here are a few things to know about keeping it insured: <br /> <br /> First, When you replace a car, the coverage on your previous vehicle will transfer to the new one&mdash;for a limited period of time. Similarly, if your insurance carrier covers all your vehicles and you buy an additional car or truck, the new vehicle will be protected for the broadest coverage afforded under your existing policy, but the coverage does not extend indefinitely.<br /> <br /> Both scenarios have limitations that could leave you at risk. Your insurance contract requires you to contact our agency or your insurance company about the change in vehicle as soon as possible. <br /> <br /> Second, there is usually a time limit&mdash;typically you are required to report the change during the current policy term and immediately, if you wish to modify or add coverage.<br /> <br /> Finally, your new car may not be fully covered under your old policy, especially if you chose not to carry physical damage coverages (comprehensive and collision) to keep your premium low on an older car. We can help you review your policy and make any needed changes. <br /> The smartest approach to lining up insurance for your new car? Contact us before you buy. We can help you evaluate how much your new car will cost to insure and help you make the change to your policy before you drive your new vehicle home. <br /> <br /> &nbsp;<br /> <br /> <br /> <br /> <!-- BEGIN: Constant Contact Stylish Email Newsletter Form --> <div style="text-align: center;"> <div style="width: 160px; background-color: #ffffff;"> <form name="ccoptin" action="http://visitor.r20.constantcontact.com/d.jsp" target="_blank" method="post" style="margin-bottom: 3px;"> <span style="background-color: #006699; float: right; margin-right: 5px; margin-top: 3px;"><img style="border-width: 0px; border-style: solid;" src="https://imgssl.constantcontact.com/ui/images1/visitor/email1_trans.gif" alt="Email Newsletter icon, E-mail Newsletter icon, Email List icon, E-mail List icon" /></span> <span style="font-weight: bold; font-family: arial; font-size: 16px; color: #006699;">Sign up for our Email Newsletter</span> <input type="text" name="ea" size="20" style="font-family: verdana,geneva,arial,helvetica,sans-serif; font-size: 10px; border: 1px solid #999999;" /> <input type="submit" name="go" value="GO" class="submit" style="font-family: verdana,arial,helvetica,sans-serif; font-size: 10px;" /> <input type="hidden" name="llr" value="w5sry8dab" /> <input type="hidden" name="m" value="1103664565206" /> <input type="hidden" name="p" value="oi" /> </form> </div> </div> <!-- END: Constant Contact Stylish Email Newsletter Form --> <!-- BEGIN: SafeSubscribe --> <div style="padding-top: 5px; text-align: center;"> <img alt="" width="168" height="14" style="border-width: 0px; border-style: solid;" src="https://imgssl.constantcontact.com/ui/images1/safe_subscribe_logo.gif" /> </div> <!-- END: SafeSubscribe --> <!-- BEGIN: Email Marketing you can trust --> <div style="font-family: arial,helvetica,sans-serif; font-size: 10px; color: #999999; text-align: center;"> For <a href="http://www.constantcontact.com/jmml/email-marketing.jsp" style="text-decoration: none; font-family: arial,helvetica,sans-serif; font-size: 10px; color: #999999;" target="_blank">Email Marketing</a> you can trust </div> <!-- END: Email Marketing you can trust --> <br /> <p><em><hr /> </em></p> <p><span style="font-size: 10px;"><em>ERIE^&reg; insurance services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property &amp; Casualty</em><em> Company, Flagship City Insurance Company and Erie Family Life Insurance</em><em> Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New</em><em> York (home office: Rochester, New York). Not all companies are licensed or operate</em><em> in all states. Not all products are offered in all states. Go to erieinsurance.com for</em><em> company licensure and territory information.</em></span></p>urn:uuid:0cd9dfda-806d-4873-bcdc-c86f027610db With so many retirement savings options available, it may be challenging to decide which plan is right for you. &nbsp;An annuity is one of your options, and we can make it easy to understand. &nbsp;Annuities help boost your retirement saving...Thu, 16 Dec 2010 16:14:47 -0600<meta name="Title" /> <meta name="Keywords" /> <meta http-equiv="Content-Type" content="text/html; charset=utf-8" /> <meta name="ProgId" content="Word.Document" /> <meta name="Generator" content="Microsoft Word 2008" /> <meta name="Originator" content="Microsoft Word 2008" /> <link rel="File-List" /> <style> </style> <p>With so many retirement savings options available, it may be challenging to decide which plan is right for you. &nbsp;An annuity is one of your options, and we can make it easy to understand. &nbsp;Annuities help boost your retirement savings today and secure your financial freedom later.</p> <p>Annuities are a good investment if you:</p> <ul style="margin-top: 0in; list-style-type: disc;"> <li>Need another source of retirement income</li> <li>Want to accumulate tax-deferred income for retirement</li> <li>Want an investment with guaranteed interest rates</li> <li>Want to receive guaranteed income for a fixed period or income for life</li> </ul> <p>An annuity is the only financial instrument that offers a guaranteed income stream that you cannot outlive. With fixed-rate annuities, you can save for retirement and minimize the risk of losing wealth due to the stock market&rsquo;s volatility. </p> <p><strong></strong></p> <p><strong>Why an annuity from Moore Insurance Group?</strong></p> <p><strong></strong></p> <p>Annuities from our highly rated companies offer you:</p> <p><strong></strong></p> <ul style="margin-top: 0in; list-style-type: disc;"> <li>Business retirement plans such as Simple IRAs or Simplified Employee Pension (SEP)<strong></strong></li> <li>Personal retirement plans such as Roth and Traditional IRAs<strong></strong></li> <li>Interest-only options <strong></strong></li> <li>10-percent free withdrawal each year<strong></strong></li> <li>Immediate investment earnings without a policy fee or sales charge<strong></strong></li> <li>Options to roll over qualified funds from an employer&rsquo;s retirement plan, such as a 401(k), when changing jobs</li> </ul> <p>Specifically, our annuity portfolio includes these plans:</p> <ul style="list-style-type: disc;"> <li><strong>Flexible Premium Deferred Annuity (FPDA) </strong>&ndash; Savings from an <strong>FPDA can be used as a source of retirement income or can supplement the amount you&rsquo;re putting into an employer-sponsored plan. </strong>You can make scheduled or intermittent payments into a retirement savings plan, such as Traditional or Roth IRA, and the income will be available when you need it. You can start with as little as a $300 investment.<br /> <br /> </li> <li><strong>Single Premium Deferred Annuity (SPDA)</strong> &ndash; If you have $10,000 or more to invest, a Single Premium Deferred Annuity is an excellent choice. You may choose a guaranteed period of 3, 5 or 7 years. Depending on the amount of your deposit, first-year bonus rates are available.</li> </ul> <ul style="list-style-type: disc;"> <li><strong>Single Premium Immediate Annuity (SPIA) </strong><strong>&ndash; The </strong>SPIA is an excellent choice for someone who desires an immediate source of income. You choose the payment stream that&rsquo;s right for you &mdash; whether it&rsquo;s payments for a set number of years or the rest of your life.</li> </ul> <p>Moore Insurance Group offers different rates and returns on annuity investments. If you&rsquo;re interested in learning more, give us a call at (315) 371- 4288.</p> <p style="text-indent: 0.25in;"><em></em></p>urn:uuid:24afa91c-5ec8-4832-9971-533df030aeaf Have your insurance go with you Your ERIE auto insurance goes with you whenever you travel in the states, but the liability coverage may not extend as far as you need it to when you cross borders.&nbsp; If you travel out of the country ofte...Thu, 16 Dec 2010 16:09:27 -0600<meta name="Title" /> <meta name="Keywords" /> <meta http-equiv="Content-Type" content="text/html; charset=utf-8" /> <meta name="ProgId" content="Word.Document" /> <meta name="Generator" content="Microsoft Word 2008" /> <meta name="Originator" content="Microsoft Word 2008" /> <link rel="File-List" /> <style> </style> <p><em>Have your insurance go with you</em></p> <p><strong></strong></p> <p>Your ERIE auto insurance goes with you whenever you travel in the states, but the liability coverage may not extend as far as you need it to when you cross borders.&nbsp; If you travel out of the country often or are planning to in the future, give us a call about a Personal Catastrophe Liability Policy (PCL), also known as an umbrella.&nbsp; It can help keep you protected in case of an accident in Canada, Mexico or anywhere else. (315) 371- 4288</p> <div style="border-top-style: none; border-right-style: none; border-left-style: none; border-width: initial; border-color: initial; border-bottom-style: solid; border-bottom-color: windowtext; border-bottom-width: 1pt; padding-top: 0in; padding-right: 0in; padding-bottom: 1pt; padding-left: 0in;"> <p style="border: none; padding-top: 0in; padding-right: 0in; padding-bottom: 0in; padding-left: 0in;"></p> </div> <p><em>ERIE^&reg;&nbsp;insurance services are provided by one or more of the following insurers: Erie&nbsp;</em><em>Insurance Exchange, Erie Insurance Company, Erie Insurance Property &amp; Casualty&nbsp;</em><em>Company, Flagship City Insurance Company and Erie Family Life Insurance&nbsp;</em><em>Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New&nbsp;</em><em>York (home office: Rochester, New York). Not all companies are licensed or operate&nbsp;</em><em>in all states. Not all products are offered in all states. Go to&nbsp;<a href="http://erieinsurance.com/" target="_blank" style="font-family: arial !important; color: #0000ff !important; font-size: 9pt !important; text-decoration: underline !important;">erieinsurance.com</a>&nbsp;for&nbsp;</em><em>company licensure and territory information.</em></p>urn:uuid:b595d2de-9620-40c3-b9ea-b5cf6e235218 If so, your business could be at risk for an employment practices liability claim. It&rsquo;s a fact&mdash;more employees are filing discrimination claims against their employers. The Equal Employment Opportunities Commission (EEOC) reporte...Thu, 16 Dec 2010 15:56:19 -0600<meta name="Title" /> <meta name="Keywords" /> <meta http-equiv="Content-Type" content="text/html; charset=utf-8" /> <meta name="ProgId" content="Word.Document" /> <meta name="Generator" content="Microsoft Word 2008" /> <meta name="Originator" content="Microsoft Word 2008" /> <link rel="File-List" /> <style> </style> <p><em>If so, your business could be at risk for an employment practices liability claim.</em></p> <p><strong></strong></p> <p>It&rsquo;s a fact&mdash;more employees are filing discrimination claims against their employers.<strong> </strong>The Equal Employment Opportunities Commission (EEOC) reported that 93,277 workplace discrimination charges were filed in 2009&ndash; the second highest level ever (2008 boasts the highest).</p> <p>If you answer yes to any of these questions, you may be at risk for Employment Practices Liability (EPL) claims:</p> <ol style="margin-top: 0in; list-style-type: decimal;" start="1"> <li>Is there a chance you will terminate or lay off any employees this year?</li> <li>Is there a chance you might promote any employees this year? </li> <li>Is there a chance you might demote any employees this year? </li> <li>Will you be preparing and delivering performance reviews? </li> <li>Will you be giving salary increases? <strong></strong></li> </ol> <p><strong></strong></p> <p>The average defense cost for an employment practices claim is $125,000, reports American Agent &amp; Broker 2008. (Even groundless claims may result in legal fees.) </p> <p><strong></strong></p> <p>Erie Insurance&rsquo;s employment practices liability (EPL) coverage provides protection against claims made by employees alleging discrimination, wrongful termination or harassment, including sexual harassment.</p> <p>Specifically, EPL coverage pays for liability damages and defense costs due to charges by full-time, part-time, temporary and seasonal employees, applicants for employment and recognized volunteers.* Coverage for claims made by third parties, such as customers or vendors, is also available for an additional premium for Ultraflex Customers.</p> <p>EPL coverage from Erie Insurance is affordable and easy to add to your commercial insurance account. Premiums are set per employee and vary depending on the limit and deductible you choose.</p> <p>And, if a claim occurs, you&rsquo;ll have access to experienced claims professionals and attorneys who are experienced in employment law. We also provide a link to online loss prevention resources, including sample employment policies and procedures.</p> <p>Call us today to add EPL to your commercial insurance account with Erie Insurance. You&rsquo;ve worked hard to build your business. Make sure it&rsquo;s protected. Call us at (315) 371- 4288.</p> <p><em>*Coverage is subject to the terms and limitations of the EPL endorsement.</em></p> <p><strong></strong></p> <div style="border-top-style: none; border-right-style: none; border-left-style: none; border-width: initial; border-color: initial; border-bottom-style: solid; border-bottom-color: windowtext; border-bottom-width: 1pt; padding-top: 0in; padding-right: 0in; padding-bottom: 1pt; padding-left: 0in;"> <p style="border: none; padding-top: 0in; padding-right: 0in; padding-bottom: 0in; padding-left: 0in;"></p> </div> <p><em></em></p> <p><em>ERIE^&reg;&nbsp;Insurance services are provided by one or more of the following insurers: Erie&nbsp;</em><em>Insurance Exchange, Erie Insurance Company, Erie Insurance Property &amp; Casualty&nbsp;</em><em>Company, Flagship City Insurance Company and Erie Family Life Insurance&nbsp;</em><em>Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New&nbsp;</em><em>York (home office: Rochester, New York). Not all companies are licensed or operate&nbsp;</em><em>in all states. Not all products are offered in all states. Go to <a href="http://erieinsurance.com" target="_blank">erieinsurance.com</a> for&nbsp;</em><em>company licensure and territory information.</em></p>urn:uuid:15c4c58e-fbf5-4b8c-89f7-c25ce9f030ab Moore Insurance Group would like to wish everyone a safe and happy holiday season!&nbsp; There is no better time of year than now to think about creating better protection for your employees through Moore Insurance Group.&nbsp; Give your emp...Thu, 16 Dec 2010 15:48:04 -0600<meta name="Title" /> <meta name="Keywords" /> <meta http-equiv="Content-Type" content="text/html; charset=utf-8" /> <meta name="ProgId" content="Word.Document" /> <meta name="Generator" content="Microsoft Word 2008" /> <meta name="Originator" content="Microsoft Word 2008" /> <link rel="File-List" /> <style> </style> <p>Moore Insurance Group would like to wish everyone a safe and happy holiday season!&nbsp; There is no better time of year than now to think about creating better protection for your employees through Moore Insurance Group.&nbsp;</p> <p>Give your employees the gift of voluntary benefits!&nbsp; Moore Insurance Group can help your employees protect themselves and their families by offering supplemental voluntary benefits.&nbsp; These include long-term disability, short-term disability, term life insurance, accident, cancer, and medical supplemental insurance for as little as $5 to $10 per week, per employee, depending on his or her age and health status.</p> <p>&ldquo;Offering supplemental insurance is a win-win for both employees and the employers.&nbsp; The employer saves on the cost of the benefit, and the employees are able to retain protection against medical expenses and loss of their paycheck, should they get hurt or become disabled,&rdquo; says Ryan Moore, CEO of Moore Insurance Group.&nbsp; &ldquo;Unlike many employer-based insurance programs, the coverage provided through our voluntary insurance program provides a safeguard for employees while they are both at work and at home.&nbsp; So, if the unexpected happens and they get hurt and miss work, they can feel assured that some of their paycheck and medical expenses are covered.&nbsp; This is especially important for employees living paycheck to paycheck&ndash; it ensures that they are covered and that their family is protected.&nbsp; In this economy, everyone is trying to do more with less, and this program is based on that premise&ndash; helping the employer save money while still offering benefits to the employees.&rdquo;</p> <p>Moore Insurance Group will be happy to offer a free seminar to those employers and employees interested in the Voluntary Benefits Program.&nbsp; For more information, or to set up an informational meeting at your organization, please call us at (315) 371-4288.</p>urn:uuid:be933b8b-d3db-42ad-a5aa-220c9877adcd Be the best&ndash; and the safest&ndash; cook this Christmas. We&rsquo;ve all heard about the dangers of distracted driving. But how about distracted cooking? According to the Home Safety Council, cooking is the number one cause of home fi...Thu, 16 Dec 2010 14:29:07 -0600<meta name="Title" /> <meta name="Keywords" /> <meta http-equiv="Content-Type" content="text/html; charset=utf-8" /> <meta name="ProgId" content="Word.Document" /> <meta name="Generator" content="Microsoft Word 2008" /> <meta name="Originator" content="Microsoft Word 2008" /> <link rel="File-List" /> <style> </style> <p><em><span>Be the best&ndash; and the safest&ndash; cook this Christmas.</span></em></p> <em> </em> <p><em>We&rsquo;ve all heard about the dangers of distracted driving. But how about distracted cooking? According to the Home Safety Council, cooking is the number one cause of home fires. The reason is that people start to cook something and then forget that it's on the stove.</em></p> <p>It&rsquo;s especially easy to get pulled away from the stove around the holidays, when family and friends gather for feasting. So if you&rsquo;re cooking this year, check out <a href="http://www.homesafetycouncil.org/SafetyGuide/sg_cooking_w001.asp">these tips</a> to prevent fires and burns before getting started. Number one on the list: Always stay in the kitchen while cooking on the range.</p> <p>Also, you may want to think twice before frying a turkey&hellip; <a href="http://www.ul.com/global/eng/pages/corporate/newsroom/storyideas/turkeyfryers/">here&rsquo;s why</a>.</p> <div style="border-top-style: none; border-right-style: none; border-left-style: none; border-width: initial; border-color: initial; border-bottom-style: solid; border-bottom-color: windowtext; border-bottom-width: 1pt; padding-top: 0in; padding-right: 0in; padding-bottom: 1pt; padding-left: 0in;"> <p style="border: none; padding-top: 0in; padding-right: 0in; padding-bottom: 0in; padding-left: 0in;"></p> </div> <p><em></em></p> <p><em>ERIE^&reg;&nbsp;Insurance services are provided by one or more of the following insurers: Erie&nbsp;</em><em>Insurance Exchange, Erie Insurance Company, Erie Insurance Property &amp; Casualty&nbsp;</em><em>Company, Flagship City Insurance Company and Erie Family Life Insurance&nbsp;</em><em>Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New&nbsp;</em><em>York (home office: Rochester, New York). Not all companies are licensed or operate&nbsp;</em><em>in all states. Not all products are offered in all states. Go to&nbsp;<a href="http://erieinsurance.com/" target="_blank" style="font-family: arial !important; color: #0000ff !important; font-size: 9pt !important; text-decoration: underline !important;">erieinsurance.com</a>&nbsp;for&nbsp;</em><em>company licensure and territory information.</em></p> <p><br /> </p>urn:uuid:bc23b780-b10d-49cb-b85f-228dbcd9e419TAYLOR JOINS MOORE INSURANCE GROUP Rome, NY &ndash; Moore Insurance Group, a full-service insurance agency in Rome, announced today that Charlene Taylor has joined its team of capable professionals.&nbsp; With more than ten years of experience as a...Tue, 23 Nov 2010 18:23:16 -0600<div style="text-align: center;">TAYLOR JOINS MOORE INSURANCE GROUP<br /> </div> <br /> Rome, NY &ndash; Moore Insurance Group, a full-service insurance agency in Rome, announced today that Charlene Taylor has joined its team of capable professionals.&nbsp; With more than ten years of experience as a local broker and account manager, Charlene is licensed to provide property casualty, life accident, and health insurance.&nbsp; In addition to her insurance know-how, Charlene also brings along her dedication to providing excellent customer service.&nbsp; <br /> &nbsp; <br /> &ldquo;Charlene is going to be a tremendous asset to our group in that her experience echoes our mission.&nbsp; She is well-known by her customers because she has always been available to them.&nbsp; When you get to know your customers, you can provide them with the very best insurance advice,&rdquo; said Ryan Moore, President of Moore Insurance Group.&nbsp; <br /> <br /> In addition to her customer-friendly approach, Charlene is also an active member of the community, volunteering for the Rome Humane Society and as a Pop Warner cheerleading coach in Utica.<br /> <br /> Moore Insurance Group opened its doors in April of this year and is supported by the vast resources of Erie Insurance, Progressive, GMAC, Foremost, Midrox, Mass Mutual, First United American Insurance, Colonial Life, Guardian, ING and Blue Cross Blue Shield.&nbsp; Therefore, Moore Insurance Group can provide its customers with various types of insurance coverage, including:<br /> <br /> &bull;&nbsp;&nbsp;&nbsp; Commercial <br /> &bull;&nbsp;&nbsp;&nbsp; Home<br /> &bull;&nbsp;&nbsp;&nbsp; Auto<br /> &bull;&nbsp;&nbsp;&nbsp; Life<br /> &bull;&nbsp;&nbsp;&nbsp; Disability <br /> &bull;&nbsp;&nbsp;&nbsp; Long-Term Care<br /> &bull;&nbsp;&nbsp;&nbsp; Accident <br /> &bull;&nbsp;&nbsp;&nbsp; Indemnity <br /> &bull;&nbsp;&nbsp;&nbsp; Employee Benefit<br /> &bull;&nbsp;&nbsp;&nbsp; Medicare Supplement<br /> &bull;&nbsp;&nbsp;&nbsp; Workers Compensation<br /> &bull;&nbsp;&nbsp;&nbsp; Bond<br /> <br /> <br /> To obtain a free insurance quote, or for more information about Moore Insurance Group, please call (315) 371-4288 or visit <a target="_blank" href="http://www.mooreinsuranceinc.com/">www.mooreinsuranceinc.com</a>.urn:uuid:e2b621dc-6c70-4a9e-9ac6-1fa38a95a19e #1 Choice of North American Pet Owners! Flexible - Affordable - Dependable Pet Health Insurance. The ability to share one's home with a cat or ...Sun, 07 Nov 2010 12:09:24 -0600<table cellspacing="0" cellpadding="0" border="0" width="100%"> <tbody> <tr> <td> <h5>#1 Choice of North American Pet Owners!<br /> Flexible - Affordable - Dependable Pet Health Insurance. </h5> </td> <td align="right" valign="middle"><a href="https://www.petcareinsurance.com/sc_step1.aspx?country=2&amp;partner=0"><br /> </a></td> </tr> </tbody> </table> <p>The ability to share one's home with a cat or a dog is one of the great joys in life, they offer us love and loyalty, companionship and protection. It is not surprising therefore that they quickly win their way into our hearts as our four-legged family members. Unfortunately our pets are as likely to become ill or to have an accident as any of our other loved ones, and in some cases more so. From falling down the stairs, to allergies, car accidents to cancer our pets frequently need the expertise of a veterinarian and at those times the last thing we want to think about is money. That's why 24PetWatch Pet Insurance Programs offers you the chance to manage the risk associated with your pet's medical issues through the provision of a selection of flexible and affordable programs. For more information on how to enroll your pet, please click below:<br /> <br /> </p> <a href="http://www.kqzyfj.com/click-3857735-10372346" target="_top"> <img height="250" width="250" style="border-width: 0px; border-style: solid;" src="http://www.ftjcfx.com/image-3857735-10372346" alt="Pet Health Insurance For Cats &amp; Dogs" /></a>urn:uuid:aa059cb3-c8f1-4ccd-abde-be29f439df91Take Stock of Your Belongings with a Print or Online Home Inventory &nbsp; For most of us, home is more than a house. It&rsquo;s a cherished source of memories and a treasure chest for our keepsakes. And on a practical level, it&rsquo;s filled with t...Sat, 09 Oct 2010 09:24:46 -0500<p><strong>Take Stock of Your Belongings with a Print or Online Home Inventory</strong></p> <p><strong>&nbsp;</strong></p> <p>For most of us, home is more than a house. It&rsquo;s a cherished source of memories and a treasure chest for our keepsakes. And on a practical level, it&rsquo;s filled with things we use every day. </p> <p>That&rsquo;s why when a fire destroys a home, it cuts deeply into our lives. Having an up-to-date home inventory can help you get back on your feet after a disaster. There are a number of reasons why a home inventory is important:</p> <ul style="list-style-type: disc;"> <li style="color: black;">It can help you determine how much insurance you may need.</li> <li style="color: black;">It speeds up the claims process, reducing hassle in already trying times. </li> <li style="color: black;">Most importantly, it enables you to rebuild your life as completely as possible after a loss. </li> </ul> <p>Erie Insurance offers a <a href="http://www.erieinsurance.com/SafeCsmr/Safety/SafeguardingYourHome&amp;Family/S-20%20Household%20Inventory%20Form.pdf" target="_blank">detailed guide</a> on <em>erieinsurance.com </em>to help you know what to include in your inventory. Just print out the PDF, then go through your house, room by room. Mark down each item, including its current replacement cost. When you&rsquo;re done, give us a call to help you review your contents and ensure that your insurance coverage is sufficient. Also, make sure to store your inventory in a fireproof box or outside your home altogether. </p> <p><strong>Other Tools</strong></p> <p>The Insurance Information Institute (I.I.I.) also makes it easy for homeowners to keep a record of belongings. The organization offers free home inventory software you&mdash;and family members&mdash;can easily download to a home computer. </p> <p>&nbsp;</p> <p>With the software, each birthday gift and new purchase can be quickly added to the ever-changing list. That list can be regularly backed up on a CD or in paper form and stored somewhere outside of the home for extra protection. To learn about the software and to download it, visit <a href="http://www.knowyourstuff.org/" target="_blank">knowyourstuff.org</a>.</p> <p> </p> <p> <p style="text-indent: 0.25in;"><em>ERIE^&reg; insurance services are provided by one or more of the following insurers: Erie</em></p> <p style="text-indent: 0.25in;"><em>Insurance Exchange, Erie Insurance Company, Erie Insurance Property &amp; Casualty</em></p> <p style="text-indent: 0.25in;"><em>Company, Flagship City Insurance Company and Erie Family Life Insurance</em></p> <p style="text-indent: 0.25in;"><em>Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New</em></p> <p style="text-indent: 0.25in;"><em>York</em><em> (home office: Rochester, New York). Not all companies are licensed or operate</em></p> <p style="text-indent: 0.25in;"><em>in all states. Not all products are offered in all states. Go to erieinsurance.com for</em></p> <p style="text-indent: 0.25in;"><em>company licensure and territory information.</em></p> </p>urn:uuid:12da2497-ee16-47ea-aaf7-96c23ff11a76Moore Insurance Group opened its doors earlier this year with the intention of providing comprehensive insurance coverage and top-rate customer service to its clients. Two Young entrepreneurs - Ryan and Ty Moore - opened the business when they realiz...Wed, 15 Sep 2010 11:53:37 -0500<p>Moore Insurance Group opened its doors earlier this year with the intention of providing comprehensive insurance coverage and top-rate customer service to its clients. Two Young entrepreneurs - Ryan and Ty Moore - opened the business when they realized that&nbsp;Central New Yorkers were looking for much more from their insurance agency than an automated phone system. &nbsp;As a result, their personal, hands-on approach has received an excellent response from their customers.</p> <p>&ldquo;We are young, community-minded individuals who chose to focus our business on under promising and over delivering the services we provide,&rdquo; said Ryan Moore, President.</p> <p>Ryan is a graduate of Rider University with a dual degree in Finance and Computer Information Systems.&nbsp; He has more than seven years of financial services experience and previously worked at HSBC.&nbsp; He developed his insurance knowledge and expertise during his employment at Northwestern Mutual.&nbsp; In addition to his professional experience, Ryan is also a contributing member of the community, serving on the United Way&rsquo;s Community Investment Team and as a member of the Rome Rotary Program.</p> <p>Ryan&rsquo;s brother Ty Moore, Insurance Specialist, is also a graduate of Rider University and has three years of experience in the insurance industry.&nbsp; Ty agrees that the personalized approach Moore Insurance provides is a win for the company.</p> <p>&nbsp;&ldquo;Customers are pleased with the hands-on approach our office provides,&rdquo; said Ty Moore.&nbsp; &ldquo;When you call with a question or concern you have the opportunity to speak with one of us directly and that&rsquo;s not commonplace in today&rsquo;s age of automated telephone systems,&rdquo; he added.&nbsp;</p> <p>Ty puts his past experience as a Division 1 college baseball player to good use in the community,&nbsp;&nbsp; providing lessons to Little Leaguers in Clinton and New Hartford. </p> <p>&nbsp;Charlene Taylor, a 10-year veteran of the local insurance industry, recently joined the Moore Insurance Group as an Account Manager.&nbsp; Charlene was hired by the group because she shares the same customer-friendly philosophy. &nbsp; &nbsp;</p> <p>&ldquo;My customers know me and know they can count on me to provide them with the highest level of customer service,&rdquo; said Taylor.&nbsp; &ldquo;When you get to know your customers, you can offer them the best insurance advice,&rdquo; she added. &nbsp; </p> <p>Charlene is licensed to provide property casualty, life accident, and health insurance and is also an active member of the community, volunteering for the Rome Humane Society and as a Pop Warner cheerleading coach in Utica.</p> <p>Moore Insurance Group is supported by the vast resources of Erie Insurance, Progressive, GMAC, Foremost, Midrox, Mass Mutual, First United American Insurance, Colonial Life, Guardian, ING and Blue Cross/<a name="_GoBack"></a>Blue Shield.&nbsp;</p>urn:uuid:ee42b88c-f68d-4fdb-8717-77697774ff6fAuto insurance isn&rsquo;t rocket science, but it can be confusing. Here are simple definitions for six types of coverage within an ERIE auto insurance policy: Bodily Injury Liability: Covers your legal fees, court costs and compensation due to...Wed, 15 Sep 2010 11:53:05 -0500<p>Auto insurance isn&rsquo;t rocket science, but it can be confusing. Here are simple definitions for six types of coverage within an ERIE auto insurance policy: <strong></strong></p> <ul style="margin-top: 0in; list-style-type: disc;"> <li><strong>Bodily Injury Liability:</strong> Covers your legal fees, court costs and compensation due to bodily injury claims brought against you. </li> <li><strong>Medical Payments:</strong> Covers the medical expenses for injuries sustained by you, resident relatives and other people in your auto as the result of an accident. (Auto insurance coverage varies by state.) </li> <li><strong>Property Damage Liability:</strong> Covers your legal liability for property damage claims brought against you. </li> <li><strong>Collision:</strong> Coverage that pays for damage to your auto and its equipment caused by collision or upset. </li> <li><strong>Comprehensive:</strong> Coverage that pays for damage to your auto and its equipment not caused by collision or upset. This includes, but is not limited to, damage from fire, theft, glass breakage, vandalism and damage resulting from contact with persons, animals, birds or falling objects. </li> <li><strong>Uninsured and Underinsured Motorist Coverage:</strong> Provides coverage when you are injured in an accident caused by another person who either has no auto insurance or who has insurance limits that are insufficient to cover your damages. Some states require that this coverage also include property damage. </li> </ul> <p><br /> </p> <p>To see a visual explanation of these terms, <a href="http://auto.erieinsurance.com/Auto-insurance-Road-Map.html">click here</a>. And, call us anytime you have questions about your coverage. We&rsquo;re here to help.</p> <p><strong></strong></p> <div style="border-top-style: none; border-right-style: none; border-left-style: none; border-width: initial; border-color: initial; border-bottom-style: solid; border-bottom-color: windowtext; border-bottom-width: 1pt; padding-top: 0in; padding-right: 0in; padding-bottom: 1pt; padding-left: 0in;"> <p style="border: none; padding-top: 0in; padding-right: 0in; padding-bottom: 0in; padding-left: 0in;"></p> </div> <p><br /> </p> <p style="margin-left: 0.25in;"><em></em></p> <p style="text-indent: 0.25in;"><em>ERIE^&reg; insurance services are provided by one or more of the following insurers: Erie</em></p> <p style="text-indent: 0.25in;"><em>Insurance Exchange, Erie Insurance Company, Erie Insurance Property &amp; Casualty</em></p> <p style="text-indent: 0.25in;"><em>Company, Flagship City Insurance Company and Erie Family Life Insurance</em></p> <p style="text-indent: 0.25in;"><em>Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New</em></p> <p style="text-indent: 0.25in;"><em>York (home office: Rochester, New York). Not all companies are licensed or operate</em></p> <p style="text-indent: 0.25in;"><em>in all states. Not all products are offered in all states. Go to erieinsurance.com for</em></p> <p style="text-indent: 0.25in;"><em>company licensure and territory information.</em></p> <p><strong></strong></p>urn:uuid:9d2db8c0-77b1-4e9e-b470-662041e62e0dIt&rsquo;s nearly that time of year again&mdash;back to school. If you&rsquo;re helping one of your children go off to college for the first time or return to college, we might be able to help you save some money and gain some extra protection. Here ...Wed, 15 Sep 2010 11:52:02 -0500<p>It&rsquo;s nearly that time of year again&mdash;back to school. If you&rsquo;re helping one of your children go off to college for the first time or return to college, we might be able to help you save some money and gain some extra protection. Here are four things to consider about insurance when a child goes off to school.</p> <p>1. <strong>You could get a discount on your auto insurance</strong> &ndash; Because you&rsquo;ll have one less driver living at home when your son or daughter goes off to school, your household might get a discount&mdash;as long as they don&rsquo;t take a car along. If he or she does take a set of wheels, let us help you with an extra review of your insurance to make sure he or she is protected.</p> <p>2. <strong>Your homeowners insurance might extend to his or her belongings</strong> &ndash; Usually the belongings of your child-turned-college-student will be covered by your homeowners insurance, but it&rsquo;s best to be sure. If for some reason the coverage doesn&rsquo;t extend, we can help your son or daughter purchase renters insurance.</p> <p>3. <strong>Student loans might call for extra protection</strong> &ndash; If student loans are involved, you might want to consider life insurance for your son or daughter. It can help financially in the case of an unexpected tragedy (although no one wants to think about that). If a tragedy never occurs (thankfully), your son or daughter can opt to carry on the life insurance to the next stage of life, too &ndash; making it a wise investment.</p> <p>4. <strong>Insurance can help in the most unexpected cases</strong> &ndash; Accidents happen&mdash;sometimes tragically. Extra liability coverage through a Personal Catastrophe Liability (PCL) policy, commonly called an umbrella policy, can help protect you should a lawsuit ensue from a big mistake.</p> <p>Most importantly, let us know of the changes happening in your household so we can help you keep your family as protected as possible. </p> <div style="border-top-style: none; border-right-style: none; border-left-style: none; border-width: initial; border-color: initial; border-bottom-style: solid; border-bottom-color: windowtext; border-bottom-width: 1pt; padding-top: 0in; padding-right: 0in; padding-bottom: 1pt; padding-left: 0in;"> <p style="border: none; padding-top: 0in; padding-right: 0in; padding-bottom: 0in; padding-left: 0in;"></p> </div> <p style="margin-left: 0.25in;"><em></em></p> <p style="text-indent: 0.25in;"><em>ERIE^&reg; insurance services are provided by one or more of the following insurers: Erie</em></p> <p style="text-indent: 0.25in;"><em>Insurance Exchange, Erie Insurance Company, Erie Insurance Property &amp; Casualty</em></p> <p style="text-indent: 0.25in;"><em>Company, Flagship City Insurance Company and Erie Family Life Insurance</em></p> <p style="text-indent: 0.25in;"><em>Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New</em></p> <p style="text-indent: 0.25in;"><em>York (home office: Rochester, New York). Not all companies are licensed or operate</em></p> <p style="text-indent: 0.25in;"><em>in all states. Not all products are offered in all states. Go to erieinsurance.com for</em></p> <p style="text-indent: 0.25in;"><em>company licensure and territory information.</em></p>urn:uuid:0e520493-c5e1-4322-9275-45f364082c01Businesses come in all shapes and sizes. We can help design the coverage that&rsquo;s right for you, tailored to your needs. Generally, most businesses need a combination of: Property Insurance for the building, structure and other property you...Wed, 15 Sep 2010 11:50:25 -0500<p>Businesses come in all shapes and sizes. We can help design the coverage that&rsquo;s right for you, tailored to your needs. </p> <p>Generally, most businesses need a combination of:</p> <ul style="margin-top: 0in; list-style-type: disc;"> <li><strong>Property Insurance</strong> for the building, structure and other property you use to do business. </li> <li><strong>Liability Insurance</strong> in case someone claims that your business caused him or her harm. Your liability insurance pays damages to third parties resulting from bodily injury or property damage for which your business is legally liable, up to the policy limits, as well as legal fees. It may also cover the medical bills of people injured by your business. </li> <li><strong>Commercial Auto Insurance</strong> for vehicles owned by your business. The insurance pays any costs to third parties resulting from bodily injury or property damage for which your business is legally liable, up to the policy limits. Depending on what kind of coverage you buy, the insurance may pay to repair or replace your vehicle because of damage resulting from accidents, theft, flooding and other events. </li> <li><strong>Workers&rsquo; Compensation Insurance</strong> for medical care and a portion of lost wages for an employee who is injured in the course of employment, regardless of who was at fault for the injury. (Not available in Ohio.) </li> <li><strong>Terrorism Insurance</strong>, which is offered to owners of commercial property as mandated by the Terrorism Risk Insurance Act, enacted by Congress in 2002. Insurance losses attributed to terrorist acts under these commercial policies are insured by private insurers and reinsured by the federal government. </li> </ul> <p style="margin-left: 0.25in;"></p> <p>In addition to these basic coverages, we can help you select from optional coverages available from Erie Insurance, like: </p> <ul style="margin-top: 0in; list-style-type: disc;"> <li><strong>A Business Catastrophe Liability or Umbrella Policy</strong> that is designed to protect against catastrophic losses. For the typical business, the umbrella policy would provide protection over and above general liability and auto liability policies. </li> <li><strong>Employment Practices Liability Insurance (EPLI)</strong> that provides protection against claims brought by employees alleging discrimination, wrongful termination or harassment, including sexual harassment. </li> <li><strong>Other Specialized Liability Insurance Policies</strong> that are designed to meet specific needs of individual businesses. They include:</li> <ul style="margin-top: 0in; list-style-type: circle;"> <li>Errors and Omissions Insurance (E&amp;O)/Professional Liability Insurance</li> <li>Directors and Officers Liability Insurance (D&amp;O)</li> </ul> </ul> <p style="margin-left: 0.25in;"></p> <p>And, as a business owner, you may want to offer group life insurance* as part of your employee benefit package. We can help with that, too. </p> <p>To learn more, give us a call at (315) 371-4288.</p> <p><em>*Erie Family Life insurance not available in New York</em></p> <p><em></em></p> <div style="border-top-style: none; border-right-style: none; border-left-style: none; border-width: initial; border-color: initial; border-bottom-style: solid; border-bottom-color: windowtext; border-bottom-width: 1pt; padding-top: 0in; padding-right: 0in; padding-bottom: 1pt; padding-left: 0in;"> <p style="border: none; padding-top: 0in; padding-right: 0in; padding-bottom: 0in; padding-left: 0in;"></p> </div> <p><em></em></p> <p style="text-indent: 0.25in;"><em>ERIE^&reg; insurance services are provided by one or more of the following insurers: Erie</em></p> <p style="text-indent: 0.25in;"><em>Insurance Exchange, Erie Insurance Company, Erie Insurance Property &amp; Casualty</em></p> <p style="text-indent: 0.25in;"><em>Company, Flagship City Insurance Company and Erie Family Life Insurance</em></p> <p style="text-indent: 0.25in;"><em>Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New</em></p> <p style="text-indent: 0.25in;"><em>York (home office: Rochester, New York). Not all companies are licensed or operate</em></p> <p style="text-indent: 0.25in;"><em>in all states. Not all products are offered in all states. Go to erieinsurance.com for</em></p> <p style="text-indent: 0.25in;"><em>company licensure and territory information.</em></p> <p><em></em></p>urn:uuid:81c7f99d-e763-418b-8ba5-5d8dfcf109dbExcuses, Excuses. What&rsquo;s Yours? Five reasons people make buying life insurance anything but top priority &nbsp; Buying life insurance rarely makes the top 10 on our to-do lists&mdash;and we have plenty of excuses as to why. Here are top reasons...Fri, 10 Sep 2010 06:16:09 -0500<p><strong>Excuses, Excuses. What&rsquo;s Yours?</strong></p> <p><em>Five reasons people make buying life insurance anything but top priority</em></p> <p>&nbsp;</p> <p>Buying life insurance rarely makes the top 10 on our to-do lists&mdash;and we have plenty of excuses as to why. Here are top reasons people push it off, and why that might not be the best idea: </p> <p>&nbsp;</p> <p><strong>1) &ldquo;I&rsquo;m covered through work.&rdquo;</strong></p> <p>Employer-sponsored life insurance is a great benefit to have. But work benefits are usually limited. What&rsquo;s more, they don&rsquo;t automatically go with you if you change&mdash;or lose&mdash;a job. </p> <p>&nbsp;</p> <p><strong>2) &ldquo;I&rsquo;m healthy.&rdquo;</strong></p> <p>The fact is, the best time to buy life insurance is when you&rsquo;re in good health. The younger you are and the healthier you are, the better your rates will be. <br /> <br /> </p> <p><strong>3) &ldquo;I&rsquo;m not insurable.&rdquo;</strong></p> <p>Most of us are never as healthy as we want to be. But you might be surprised to find out that you are, in fact, insurable, regardless of age or health. It&rsquo;s worth it just to ask. </p> <p>&nbsp;</p> <p><strong>4) &ldquo;It&rsquo;s too expensive.&rdquo;</strong></p> <p>There are many types of life insurance available, and there&rsquo;s usually something that will fit in everyone&rsquo;s budget. Once you break it down, life insurance is basically a dollars-a-day expense.</p> <p>&nbsp;</p> <p><strong>5) &ldquo;I&rsquo;m single and don&rsquo;t have children.&rdquo;</strong></p> <p>Not being married or having little ones around now doesn&rsquo;t mean there aren&rsquo;t other plans in store for you in the future. Plus, if you are in your 20s or 30s and have debts such as a car and a home, it&rsquo;s good to get insured now while the cost is the most reasonable.</p> <p>&nbsp;</p> <p><strong>Is today the day?</strong></p> <p>The truth is, we don&rsquo;t usually think about items such as life insurance until someone asks about it, or worse, someone we know experiences a life crisis that puts things in a new light. But why wait? Let us be the one to ask you about it, rather than you experiencing a loss that jolts the issue to the top of your list. </p> <p>&nbsp;</p> <p>We can help you find a life insurance policy that fits into your budget and covers your needs for your stage of life.</p>urn:uuid:f854cf0d-a18c-4e6a-b52d-c0ef12d4e62eUnderstanding Your Auto Policy Auto insurance isn&rsquo;t rocket science, but it can be confusing. Here are simple definitions for six types of coverage within an ERIE auto insurance policy: Bodily injury liability: Covers your legal fees, cou...Fri, 13 Aug 2010 09:33:14 -0500<p><b>Understanding Your Auto Policy </b></p> <p>Auto insurance isn&rsquo;t rocket science, but it can be confusing. Here are simple definitions for six types of coverage within an ERIE auto insurance policy: <b></b></p> <ul style="list-style-type: disc; margin-top: 0in;"> <li><b>Bodily injury liability:</b> Covers your legal fees, court costs and compensation due to bodily injury claims brought against you. </li> <li><b>Medical payments:</b> Covers the medical expenses for injuries sustained by you, resident relatives and other people in your auto as the result of an accident. (Auto insurance coverage varies by state.) </li> <li><b>Property damage liability:</b> Covers your legal liability for property damage claims brought against you. </li> <li><b>Collision:</b> Coverage that pays for damage to your auto and its equipment caused by collision or upset. </li> <li><b>Comprehensive:</b> Coverage that pays for damage to your auto and its equipment not caused by collision or upset. This includes, but is not limited to, damage from fire, theft, glass breakage, vandalism and damage resulting from contact with persons, animals, birds or falling objects. </li> <li><b>Uninsured and underinsured motorist coverage:</b> Provides coverage when you are injured in an accident caused by another person who either has no auto insurance or who has insurance limits that are insufficient to cover your damages. Some states require that this coverage also include property damage. </li> </ul> <p>&nbsp;</p>urn:uuid:8f56f329-f801-42ec-b203-63223a8d4cb2Five Ways To Be Savvy When It Comes To Spending Tough job market. Rising Costs. The unexpected need for new tires. These and other increasing expenses can hammer family budgets.&nbsp; Luckily, there are several steps you can take to make sure you're...Fri, 02 Jul 2010 10:43:46 -0500Five Ways To Be Savvy When It Comes To Spending<br /> <br /> Tough job market. Rising Costs. The unexpected need for new tires. These and other increasing expenses can hammer family budgets.&nbsp; Luckily, there are several steps you can take to make sure you're spending wisely when it comes to your insurance.&nbsp; Some may help you cut your risk of a financial loss.<br /> <br /> 1. Check Your Coverage<br /> Reviewing your coverage with your Agent helps you make sure you're not paying extra for coverage you dont need. (At the same time, it'll help you make sure you do have the coverage for when you really need it.)<br /> <br /> 2. Buy Home &amp; Auto Together<br /> If you're buying auto insurance form one company and homeowners insurance from another, chances are good you're paying too much.&nbsp; You can save both money and hassle by having both your policies with the same insurance carrier.&nbsp; Erie Insurance offers a discount off each policy when you have them both with the company.&nbsp; <br /> <br /> 3. Raise 'em Right<br /> Numerous studies have shown that children start learning to drive well before age 16, just by watching their parents. Setting a good example years ahead of time is important and can also lead to discounts.&nbsp; If your household is without an at-fault accident for at least 5 years before your son or daughter takes the wheel and your teen has no moving violations, you may qualify for the Youthful Driver Discount.&nbsp; Having an accident-free record can help you qualify for other discounts too, like Erie's Safe Driver Discount.<br /> <br /> 4. Stay Around Awhile<br /> If you're ever tempted to insurance shop- or hop-know that changing companies can lead to higher premiums over the long haul. Erie offers lower rates for homeowners insurance based upon the number of years you're continuously insured under an Erie Homeowners policy.&nbsp; The longer you're with Erie, the more you'll save.<br /> <br /> 5. Check Before Buying<br /> Looking for a new ride?&nbsp; Consider the insurance cost before buying.&nbsp; It can help save, sometimes substantially.&nbsp; <br /> Safety features, such as side airbags, antilock brakes and security systems all make a difference.<br />urn:uuid:20ff10ab-16af-47be-ab21-b9cc1f4fdb964/14/2010 Due to the partisan stalemate, the federal flood insurance program's authority to write new policies ended on March 28 at midnight. Insurance agents have not been able to provide new or renewal flood insurance policies, which are required ...Wed, 14 Apr 2010 17:13:56 -05004/14/2010<br /> <br /> Due to the partisan stalemate, the federal flood insurance program's authority to write new policies ended on March 28 at midnight. Insurance agents have not been able to provide new or renewal flood insurance policies, which are required by lenders to close on some real estate sales.<br /> <br /> What this means for homeowners: If you are required by the state to have flood insurance, you will not be able to close until the senate takes action on this issue.&nbsp; <br /> <br /> Please stay tuned for further updates.