CONGRATULATIONS
TO OUR $100 RESTAURANT GIFT CERTIFICATE WINNER!
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Congratulations to Robin Moran, the winner of our Cross Quarterly Restaurant Drawing! Robin received a $100 Gift Certificate to Local Eatery, Laconia's new restaurant that's receiving rave reviews, with reservations being suggested in advance!
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 Quarterly $100 Restaurant Gift Certificate 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.
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CELEBRATING TRACY'S SOON-TO-BE BABY BOY!
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In much anticipation of Tracy Andriski's upcoming birth of a baby boy in November, we all enjoyed a great in-house celebration, with loads of baby gifts and food to eat. Tracy is thrilled that they are now having a little boy, as their first child is a girl. Jean O'Rourke, our Personal Account Manager, loves making and decorating specialty cakes, and whipped up this beautiful 'baby boy cake' for the occasion.
Tracy, one of our Commercial Account Managers, is a long-term employee of Munsey & Brazil, and she will be greatly missed when on maternity leave.
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LIFE CHANGES,
HAS YOUR COVERAGE?
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Protect What Matters
To You Most!
Now is just the right time to review some of the life-changing factors that can influence your insurance decisions, and learn about the coverages to consider. Now is the perfect time to ask these key questions so you can find what's right for you.
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PROTECT YOURSELF
AND SAVE
With These
Additional Resources!
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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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| CONTACT US TODAY! | |
Be sure to check out our
team contact page
that includes emails and pictures of our trusted advisors!
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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. While you're at it, be sure to check out our Octoberfest Open House invitation below! 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, Randy Eifert & David Haley
Agency Managers
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MARK YOUR CALENDARS FOR OUR
OCTOBERFEST OPEN HOUSE!
At Cross Insurance, we are pleased to be hosting the Lakes Region Chamber Business After Hours on Tuesday, October 30, from 4 to 6 p.m., here at our 155 Court Street, Laconia location! The event will provide an opportunity to showcase our beautiful, new two-story office building, while also allowing for some networking of Lakes Region businesses.
We're looking forward to welcoming friends, clients, and local business associates to our OCTOBERFEST, as we have a great staff of employees that are busy making the arrangements for a fun event. There will be raffle prizes, giveaways, beverages and hearty hors d'oeuvres, We look forward to seeing you then!
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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. Jean O'Rourke, 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 603-524-2425 or email Jean 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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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 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. Wayne Davis, 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 more detailed information about both new rules, please visit the NH DOL web site, or call or email Wayne or any of our Commercial advisors today.
(603)524-2425
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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!
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AFFORDABLE CARE ACT UPDATE: TEMPORARY GUIDANCE ISSUED ON 90-DAY
WAITING PERIOD LIMIT
Blaine Horne from our 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) 828-9410.
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CROSS INSURANCE
155 Court Street
Laconia, New Hampshire
Get Directions
As always, remember that you can conduct
all of your insurance needs with us by
phone, email or fax.
Ph: 603-524-2425
Fax-Personal Lines: 603-528-7791
Fax-Commercial Lines: 603-524-3666
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For the latest Cross Insurance website updates, simply scan our QR Code below:
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Visit our Cross websites for insight on why our
excellent services and competitive prices offer
unsurpassed value to our clients:
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