Just Released: 15 Possible Discounts

A big congratulations goes out to Marcia Tocci, the winner of our Cross Insurance Quarterly Restaurant Drawing! Marcia received a $100 gift card to Patrick's Pub and Eatery in Gilford!

Would you like to also picture yourself with that someone special enjoying a delicious dinner? All you have to do is simply email Jessica Hildreth, our receptionist, and then type RESTAURANT in the subject line, and you will automatically be entered into our Cross Insurance Quarterly Contest!

And, as there is one entry allowed per person, if you have a friend, family member or colleague that would like to enter as well, be sure to forward this to them, and if they win, you just may end up as their lucky dinner guest! They can also simply email Jessica and add their name and address to enter.

THANK YOU TO OUR LOCAL CHAMBERS OF COMMERCE!

At Cross Insurance, we are very proud members of our local Lakes Region Chamber of Commerce, as they help to better our business and local communities. Their members range from mom and pop shops to leading organizations that are involved in the community, care about their customers and exemplify good business practices. Please support the efforts of the Lakes Region Chamber of Commerce, as they work diligently in their initiatives to improve our local economy through business and consumer advocacy.

WOULD YOU LIKE TO RECEIVE A

$10 GAS CARD?

Be Our Next

Person of the Month!

Congratulations to our Cross Person of the Month, Julie Crawford from Winnisquam Marine, for recommending one of our insurance or financial services to a friend or family member. You too can have the opportunity to win a $10 gas card! This includes any of your referrals for our Cross personal or commercial lines of insurance.

We are grateful to all of our clients who graciously refer their family, friends and associates to our agency. We build our agency on your positive comments, and we couldn't do it without your help!

P.S. When simply referring us to a friend, or family member, you will automatically be signed up for our Cross Quarterly $100 RESTAURANT GIFT CERTIFICATE Contest!

PPSS. Don't forget to remind us if we were unaware that you've referred a friend, so that we can recognize you!

QUOTE OF THE MONTH!

(In Memory of
Stephen Covey)

Habit 1: Be Proactive

"Take initiative in life by realizing that your decisions (and how they align with life's principles) are the primary determining factor for effectiveness in your life. Take responsibility for your choices and the consequences that follow." ~Stephen Covey

Stephen Covey, best-selling author, businessman and motivational speaker, died recently of the residual effects of a bicycle accident. His most popular, pioneering book was The Seven Habits of Highly Effective People.

CHOOSE FROM OUR SELECTED NEWSLETTER BULLETINS

(What You Don't Know

Can Hurt You!)

At Cross Insurance, we are proud to bring you newsletters on a range of topics as an additional service. Each newsletter focuses on a particular topic and provides insight into the unique concerns that you or your business might face. Several of our IMMS newsletter examples this month include:

Do You Have the RV Insurance You Need?

Why It Makes Sense to Report Every (Commercial) Insurance Claim
(Please scroll down)

The Impact of Moving Violations and Driver's License Points on Your Insurance Premiums

Don't Ignore (Business) Fraud: A 5-Step Detection Strategy

Be sure to check out

all of our

Personal and Commercial Newsletter Bulletin Archives!

CONTACT US TODAY!

Be sure to check out our

team contact page

that includes emails and pictures of our trusted advisors!

Greetings!

We hope that you and your family had a great 4th of July celebration a few weeks ago, and that you continue to enjoy all of the summer festivities that living in New England has to offer. Keeping our celebrations - and independence in mind, it's not only a time consider our political freedoms, but is a time to examine your financial freedom as well. Most of us are aware of the actions that make up the foundation of a sound financial strategy - Earning more than you spend, borrowing as little as possible and saving for the future.

At Cross Insurance, it is our job to assist you in making smart, independent financial decisions that will help you both save money and protect yourself, your family and your business at the same time. For this reason, we put together this handy questionnaire for you: 15 Possible Discounts: Are You Missing Any? Your needs can change throughout the year, and we want to make sure that you are both saving money on your insurance, while protecting what's most important to you. I encourage you to take a hard look at where you re at financially, and help us assist you in getting to where you'd like to be by viewing the 15 Possible Discounts checklist to identify the areas where you can save money.

Continuing this line of being a SMART consumer, be sure to take a look at this month's valuable feature articles that include: Protecting Yourself From Identity Theft (While on Vacation and Throughout the Year); The Supreme Court Ruling (Employer FAQ's); Covering Yourself With an Umbrella Policy (To Protect Yourself and Your Family in Case You Get Sued); in addition to The Use-And Misuse-of Social Media, along with a very informative Identity Risk Quiz.

Very best regards,

Randy Eifert and David Haley

Agency Managers

P.S. Would you like us to enter your name TWICE in our $100 Quarterly Restaurant Contest? Simply visit our Cross-Laconia Facebook link and click on the LIKE button!

COVER YOURSELF WITH AN UMBRELLA

In today's "litigation culture," with million-dollar legal settlements all too common, anyone - including you and your family - could easily face ruin from a lawsuit, whether serious or frivolous. Marsha Hanover, our Personal Account Manager, would like you to be aware that even if you won, you'd be out thousands of dollars in defense costs.

A Personal Liability Umbrella can help ensure financial peace of mind by providing coverage up to an amount you've selected over and above the Liability limits under your Auto or Homeowners policy. Insurance companies often set minimum limits for Umbrella coverage. If you're sued, the bulk of the settlement will come from your HO or Auto policy, with the Umbrella picking up the rest. Bear in mind that many insurers will only offer this coverage if they write both your HO and Auto insurance. Read on and scroll down to continue...

To learn more about how a Personal Liability Umbrella will help to ensure that you and your family are protected, call or email Marsha or any of our Personal Account Managers today!

Ph: 603-524-2425

THE USE - AND MISUSE - OF SOCIAL MEDIA

Hiring, Managing and Firing

The "Social Media Revolution" is transforming how Americans connect with their families and friends - and the ways in which companies hire, manage, and fire their most valuable asset: Their workers. Linda Tikkanen, our Commercial Account Manager, would like you to be aware that failure to provide effective management of social media as an employee relations tool can pose serious financial risks to your business. Read on to make sure you that you are protecting your business against losses related to Social Media misuses. (Please scroll down.)

To answer any of your questions regarding protecting your business from Social Media misuses, be sure to call or email Linda , or any of our Commercial Account Managers today!

Ph: 603-524-2425

              THE SUPREME COURT
                HEALTH CARE RULING:

      Employer FAQ's

Blaine Horne from our Employee Benefits Department, would like you to be aware of the June 28, 2 012 U.S. Supreme Court ruling, where they essentially upheld the entire Affordable Care Act (ACA) as constitutional. Since the ruling, employers have had many questions about how this decision will affect them. Read on for the answers to a few of these FAQs in our August Benefits Buzz, and be sure to take a look at our Live Well, Work Well newsletter too!

To answer your questions about Employee Benefits, email Blaine or give him a call today at (603) 524-2425.

PROTECT YOURSELF

FROM IDENTITY THEFT
While On Vacation - And Throughout the Year!

By Kimberly Lankford, Contributing Editor,

Kiplinger's Personal Finance

It can be easy to let down your guard and forget some of the precautions you take at home to protect yourself from ID theft, which is why scam artists tend to take advantage of travelers. Read on to learn about the ways to protect yourself against ID theft while on vacation this summer:

Protect Yourself from Identity Theft While On Vacation

How to Avoid Identity Theft

QUIZ - Is Your Identity at Risk?

10 QUESTIONS WHEN PLANNING

FOR FINANCIAL SECURITY

What is the sign of a good decision®?

It's clarifying what you want to achieve, what you value and how uncertainties affect plans and aspirations - turning plans into action and goals into reality.

Ten questions and answers...

When thinking about how to protect your livelihood or build the financial resources you will need to live life as desired, answer these 10 questions first.

BECAUSE YOURS IS THE ONLY

OPINION THAT MATTERS...

At Cross Insurance, we don't merely promise that we'll be there for all of your personal and commercial protection needs. Our pledge is to be consistent in every area of service, including building relationships with you that are based on trust, as Tony Fonzi has shared here:

Re: Kristyn Hanover, Personal Account Manager

Dear Kristyn: "It has also been a great pleasure working with you and many others at Munsey and Brazil. I have been in the position of having utilized over two dozen different insurance agencies over the course of my career and I am very happy to say that, by far, the best experience I have had has been with Munsey and Brazil. It is my firm belief that it is the individual people that have made all the difference - and Munsey and Brazil seems to have done an exceptional job at hiring some wonderful people. I certainly consider you to be among this fantastic group. Should I ever need insurance in NH again I will not hesitate to give you a call." ~Tony Fonzi

And, because yours is the only opinion that matters, we also would like to pass along and share your words with others...so they know what to expect from us too! Our goal is that you are 110% satisfied with your experience with our agency. If our client care, pricing or claim service has been satisfactory to you, we would like to share this mutual benefit with any potential or existing clients. Please take a minute to jot down some thoughts on our Testimonial Request form on how our agency has helped you, saved you money or made your life a little better at any time. This will also improve our service to you, our valued client, in the future.

And, as a way of saying thanks for "helping us help you,we will enter your name two times in our Quarterly $100 Restaurant Drawing when we receive your testimonial. Thank you!