WELCOME
BROOKLYN ROSE!
Pam Hagen's
Beautiful Baby Girl
Please join us in congratulating Pam Hagen and Chris Cassidy in welcoming their beautiful new baby girl, Brooklyn Rose. Brooklyn was born on October 25th at 7:45 a.m., right on her due date; weighing 8 lbs, 6 oz, and is 21 inches long! Many good wishes to Pam, Chris, Brooklyn (and Brooklyn's brother Reese, and sister, Keira!)
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YOUR 2013 WALL CALENDARS ARE IN!
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| If you're out and about doing some early holiday shopping, be sure to stop by the office and pick up your 2013 wall calendar! This year's "Healthy Living" theme includes some very attractive scenery, along with great tips for your health and safety!
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CONNECTING WITH FLO - AND OTHERS AT THE SEACOAST BUSINESS EXPO!
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Chris Gorman, along with Flo (from Progressive) and Tim Weddleton, connected with many others at the recent Seacoast Business Expo. The Expo was held on Oct. 18th at the UNH Field House in Durham, and is an annual event where Chambers of Commerce throughout the region come together, providing the opportunity for hundreds of businesses to connect with each other.
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PROTECT YOURSELF,
SAVE, AND BE WELL
With These
Additional Personal, Commercial and Health Resources!
End-of-the-Year Tips for Businesses
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| WIN A $100 HOLIDAY GOURMET GIFT BASKET! |
How would you like to 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!
(Take a Look at Our New Testimonials That We Received This Month!) | 
Check out our new testimonial page to see what our clients are saying about us! We Want to "WOW" You too! |
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QUOTE OF THE MONTH
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 "All things have second birth;
~William Wordsworth
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CONTACT US HERE!
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Please click on the door
for our Cross Insurance
Protection Team to welcome you!
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 Greetings: As Sandy has passed through our region, we hope that you and your family remained safe. All in all, we were very fortunate not to have been hit too hard, compared to others less fortunate in the New Jersey and New York area. If you have suffered loss or damage, we wish you a speedy return to pre-storm conditions, and if you need assistance, we will work on your behalf to see that your insurance carrier processes your insurance claim both promptly and fairly, so you get the results you deserve. In like manner, most of us couldn't have guessed that we would encounter an earthquake and super storm within a couple of weeks of each other! While the likelihood of both events taking place back to back is rare, it's important to reemphasize that both flooding (resulting from storms and hurricane conditions) and earthquakes are not covered by a standard homeowners policy. Flood requires a separate application and policy to the National Flood Insurance Program, which you can apply for through our office. Floods are the most common and costly natural disaster, and to determine your risk, you can learn more about the pro's and con's of flood protection here. Equally important is that the overall earthquake risk to our area is high, and many buildings and homes are not built to modern earthquake standards. Read on to find out why earthquake insurance is important everywhere, along with earthquake protection and exclusions for commercial properties. Give us a call today for sound advice pertaining to storm, flood and earthquake protection, or to answer any of your questions about the informative resources here in our November newsletter. Our trusted advisors look forward to assisting you and your unique needs. Very best regards,
Chris
Christopher J. Gorman, CPCU
Branch Manager
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DON'T UNDER (OR OVER) INSURE
YOUR HOME
 Do you have the right amount of insurance on your home? To begin with, your Homeowners policy should have coverage for at least 80% of "replacement cost" -- the amount needed to repair or replace damage to the building and furnishings with items of like kind and quality. Some insurance companies require coverage of 90% or more under a "guaranteed replacement cost option," which will pay for replacing your home without depreciation and often without a maximum reconstruction payment. Learn more about determining the proper replacement cost value and coverage amount on your home.
 If you have any questions regarding the replacement value of your home, please call or email Nancy Nelms, or any of our Personal Account Managers today. You'll be glad you did!
(603) 742-2552
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"YOU ARE NOT JUST A NUMBER AT
CROSS INSURANCE!"
~ Cartoon by Rosalie Hanson
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WOULD YOU LIKE TO WIN
A $10 GAS CARD?
 Congratulations to our Cross Insurance People of the Month, Del Aube from Access Payroll, Kevin Stanley, Craig & Lucille Davis, Andrew & Patricia Diengott, and Caleb Greer - all winners in our Cross monthly referral 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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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 Brigitte Williams has shared with us below:
Dear Mr. Gorman: I Just wanted to let you know that Amanda Payeur is courteous, efficient and helpful. She always answers my queries promptly. It's a pleasure to work with her. ~Brigitte Williams
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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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 non-profit 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 recipient is 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. |
ELEVENTH CIRCUIT RULES WELLNESS PROGRAM COMPLIES WITH THE ADA
Blaine Horne from our Cross Employee Benefits Department, would like you to be aware that on Aug. 20, 2012, the Eleventh Circuit Court of Appeals ruled that an employer's wellness program did not violate the Americans with Disabilities Act (ADA) prohibition on non-voluntary medical examinations and disability related inquiries. Read on to learn more about focusing on rewarding participation rather than penalizing those who don't participate , in our November Benefits Buzz. And, be sure to take a look at our November 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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A VERY HAPPY THANKSGIVING FROM ALL OF US AT CROSS INSURANCE!
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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