ABC'S "SHARK TANK" INVESTS IN OUR
NEW FITNESS CLIENT!
| Many congratulations to Tim Weddleton's new clients, who recently appeared on ABC's Shark Tank, where Mark Cuban of the Dallas Mavericks, invested in their company! New Hampshire residents, Mike Hartwick and Sarah Ponn, are the owners of SurfSET Fitness. Be sure to check out their SurfSET video to take a look at SurfSET for yourself!
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AND THE WINNER OF OUR QUARTERLY GIFT CERTIFICATE IS...
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Congratulations to the winner of our Quarterly $100 Restaurant Gift Certificate Contest, Rene Cardinal from Rochester! Pictured here is Vicki Turner, our Cross Commercial Account Manager, drawing the lucky winner.)
And because it's always fun to change it up once in a while, the winner of our new Cross Quarterly Contest will instead receive a beautiful $100 Holiday Gourmet Gift Basket!
All you have to do is simply email our receptionist, Becky Masse, and then type the word, GOURMET BASKET 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 Becky and add their name and address to enter.
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WE GET MAIL!
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Check out our testimonial page to see what our clients are saying about us! We Want to "WOW" You too! |
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WOULD YOU ALSO LIKE TO RECEIVE A
$10 GAS CARD?
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Congratulations to our Cross Insurance People of the Month, Peter Widmark and Lera Gilbert! Peter and Lera are the latest winners in our Cross monthly contest!
You too can receive a $10 gas card when you recommend a friend or family member to us, and we provide them with one of our services. This includes referrals for any of our Cross personal or commercial services. 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, you will automatically be signed up for our Cross $100 HOLIDAY GOURMET GIFT BASKET CONTEST
PPSS.Don't forget to remind us if we were unaware that you've referred a friend, so that we can recognize you!
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FINANCIAL SERVICE SOLUTIONS!
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As a client or friend of Cross Insurance, we are not only concerned about your protection, but helping you best prepare for your financial future is also very important to us. To help you evaluate your current financial situation and prepare for your future needs, through the use of innovative strategies such as Insurance Planning, Business Succession Planning, Retirement Planning and Estate Planning, you can find the 10 Questions When Planning for Financial Security here.
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15 WEBSITES TO HELP YOU SAVE ONLINE!
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Speaking of your finances, at Cross Insurance, it is our goal to both ensure your protection and save you money at the same time! For this reason, we thought you would find this Kiplinger's article, 15 Websites for Finding Deals Online, to be beneficial and informative!
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PROTECT YOURSELF
AND SAVE
With These
Additional Resources!
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CONTACT US HERE!
Be sure to check out our
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Greetings:
Make no mistake: We all make mistakes, because we are human. Having a healthy fear of making mistakes can be a good thing. It can help to improve our professional and personal lives. On the other hand, there are people with many great ideas that fear risking that their project or idea will fail. The good news is that we are not our mistakes, and when we make them, we get the lesson, so that we don't have to repeat the class.
At Cross Insurance, we don't expect you to know all of the ins and outs of your protection options, as that is our job. We want to make sure that you are avoiding The 6 Worst Insurance Mistakes People Make, so that you are protected - while saving money at the same time. Call us today about any potential coverage oversights ( mistakes) that you may have detected for yourself in this article, or with any of your questions about the current protection updates here in our October newsletter. As the legendary singer Johnny Cash once said, "You build on failure. You use it as a stepping stone. Close the door on the past. You don't try to forget the mistakes, but you don't dwell on it. You don't let it have any of your energy, or any of your time, or any of your space."
Very best regards,
Chris
Christopher J. Gorman, CPCU
Branch Manager
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HOW MUCH IS YOUR PERSONAL PROPERTY REALLY WORTH?
 Many people don't think they have a lot of value in their personal property. Sure, there's the big screen TV, laptop or tablet computer, and maybe the home theater system, but the rest is just clothes, furniture, tools, dishes, and stuff. Most of it will probably end up in the garbage or at a garage sale. Sandy McDonald, our Personal Lines Account Manager, would like you to be aware of what we, as insurance agents learn. After a loss (when policyholders compile a list of their damaged and destroyed property and what it would take to replace it) they often find the cost stunning. We don't want you to discover that you were underinsured, especially when it's too late. Read on to make sure that you are protected from any gaps in your coverage.
(Please scroll down)
 To make sure your current insurance covers the true value of your possessions, call us at 603-742-2552 today or email Sandy or any of our Personal Trusted Advisors. Do it now, before you suffer a serious real loss. You'll be glad you did!
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OUR FEATURED COMMUNITY PARTNER
AMY'S TREAT:
Assisting the Journey of Those
Living With Cancer
 At Cross Insurance, our goal is to help support as many local non-profit organizations as we can, as we are proud to give back to the community that supports us. Our team of coworkers has decided to participate in Jeans Day, where we choose a local community partner that we will assist each month. Employees interested in participating donate a dollar on Fridays, if they choose to wear jeans, and then a new community recipient is then chosen for the following month. Our most recent featured community partner for the months of October and November is Amy'sTreat.org. Amy's Treat is a foundation that enriches the journey of those living with cancer, benefiting the patients of the Seacoast Cancer Center of New Hampshire. Amy's Treat offers need based solutions and special outings to individuals whose life has been altered by cancer. Items might include everything from gas cards to dentures to seats at a Patriots game and just about everything in between, because while cancer is not unique, those who battle it are. Request for aid is made through the people that are actively involved in a patient's treatment, the medical personnel who work with them. Amy's Treat remains an all-volunteer non-profit
To let us know about your own recommendation for a very deserving community program, simply email Diane Gorman or give us a call at (603) 742-2552. |
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NH DEPARTMENT OF LABOR CHANGES:
New Rules for Safety Programs
& What Constitutes Employee Vs.
Independent Contractor
Recently, the New Hampshire Department of Labor (DOL) issued new rules as it relates to establishing safety programs and also what constitutes an employee vs. an independent contractor for New Hampshire employers.
The Safety Program rule, which takes effect on January 1, 2013, makes it easier on New Hampshire small businesses to comply as well as lowers the penalty for those who are not in compliance. Tim Weddleton, our Commercial Specialist, would like you to be aware of the summarized changes as follows:
- The number of employees has increased from 10 or more employees to 15 or more employees before an employer must have a written safety program filed with NH DOL
- Safety plans must be updated and filed from a biennially filing on January 1 to every two years.
- Joint safety committees must be established if more than 15 employees which is increased from 5 or more employees.
- Penalties have been lowered from $1,000 to $250.
The employee vs. independent contractor rule (effective 8/6/12) requires a mandatory posting at the place of employment and now uses seven new criteria to establish if a worker is an employee or not.
For additional detailed information about both new rules, please visit the NH DOL web site, or call or email Tim, or any of our Cross Commercial advisors today. |
HEAR WHAT OTHERS HAVE SAID
ABOUT US THIS MONTH!
 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 that of building relationships with you that are based on trust, as Patricia Gingrich and Jenn from Make a Difference Landscaping have shared with us below:
Re: Becky Masse and Pam Hagen
"I just moved to New Hampshire. We were very happy with our independent insurance company in Iowa City, so I looked for another independent agent in the Barrington area. I looked at websites and I liked yours, plus it was close to everything, and grocery stores in Dover. I thought your receptionist was awesome and I thought Pam listened to my needs and found good solutions for me. Everyone was very friendly, and I hope this is the beginning of a long-lasting relationship."- Patricia Gingrich
Re: Deb Gifford, Commercial Lines
"Things look great on these. Thank you so much for the quick turn around on these certificates- especially considering it took me longer than anticipated to get the list to you! I wanted to also let you know how pleased both Naithan and I are with your level of service has been so far throughout this entire process. This has been a very painless process!"
- Jenn, Make a Difference Landscaping
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 you two times in our $100 Holiday Gourmet Gift Basket Drawing, when we receive your testimonial. Thank you!
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AFFORDABLE CARE ACT: UPDATE TEMPORARY GUIDANCE ISSUED ON
90-DAY WAITING PERIOD LIMIT
Blaine Horne from our Cross Employee Benefits Department, would like you to be aware that new temporary guidance has been released regarding the 90-day maximum waiting period mandated by the Affordable Care Act (ACA). The ACA stipulates that for plan years beginning on or after Jan. 1, 2014, group health plans and group health insurance issuers may not apply any waiting period that exceeds 90 days. Read on for a list of the most immediate reforms and how they affect your organization in our October Benefits Buzz. And, be sure to take a look at our October Live Well, Work Well newsletter too!
To answer your questions about Employee Benefits, email Blaine or give him a call today at (603) 742-2552.
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QUOTE OF THE MONTH
 "There are no mistakes. The events we bring upon ourselves, no matter how unpleasant, are necessary in order to learn what we need to learn; whatever steps we take, they're necessary to reach the places we've chosen to go."
~Richard Bach, American Writer
& Best-selling Author of
Johnathan Livingston Seagull
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475 High Street, Somerworth, NH 03878
Get Directions
Somersworth: 603-692-3431
Dover: 603-742-2552
Durham: 603-868-5563
(Fax) 603-742-4509
Visit our Cross websites for insight on why our excellent services and competitive prices offer unsurpassed value to our clients:
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For the latest Cross Insurance website updates,
simply scan our QR Code below:
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