December 2012'


Newsletter for Clients and Friends of Cross Insurance 
    "SIMPLIFY YOUR LIFE THIS HOLIDAY SEASON
With Our New Resource Library!"



        
                 AUTO * HOME * HEALTH * BUSINESS * FINANCIAL * DISABILITY 
            www.crossagency.com       
Cross Insurance - Meredith                                        

  
In This Issue
Cross Insurance Decorates for the 17th Annual Festival of Trees
Would You Like a $10 Gas Card for Holiday Travel?
Mystery No More: Check Out Our Protection Team Photo Album!
Protect Yourself & Save With These Informative Resources
Quote of the Month!
Simplify Your Life This Holiday With Our New Resource Library!
Home Safety Tips for the Holidays!
The Funny Side of Insurance - Cartoon
We Hear What You Say!
Use Risk Management to Help Cut Comp Costs
Our Featured Community Partner: The 'Got Lunch' Program
Health Coverage Shrinks for Early Retirees
Visit With Us Today!
CROSS INSURANCE DECORATES FOR THE 17th ANNUAL
FESTIVAL OF TREES

(Pictured Left to Right)  
Nicole Brunt, Personal
Account Manager and Ann Hebert, Commercial Account Manager

An enjoyable time was had by all when our Cross Insurance office decorated and donated a Christmas Tree for the Altrusa Club of Meredith's 17th Annual Festival of Trees,  held this past weekend at Waukewan Golf Course in Center Harbor NH. The tree will be donated to a needy family after the Festival. There are over 60 trees in the Festival this year, and 47 are earmarked for needy families. Altrusa already has homes for all the 47 trees.  

(Diane Skilling (L) and Ann Hebert (R) put on the  

final touches!)

WOULD YOU LIKE TO RECEIVE A  

$10 GAS CARD FOR HOLIDAY TRAVEL?


Did you know that you 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!  

 

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


CONTACT US HERE! 
  Click on the door for our Cross Insurance Protection Team to greet you!


PROTECT YOURSELF,  
 SAVE, AND BE WELL  
With These
Additional Personal, Commercial and Health Resources!


QUOTE OF THE MONTH
Speaking of Resources & Libraries...

 "Here is where people,  
One frequently finds,   
Lower their voices 
And raise their minds."   
 
~Richard Armour, "Library"



A VERY MERRY CHRISTMAS AND THE HAPPIEST OF HOLIDAYS...
FROM ALL OF US AT CROSS INSURANCE!


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Seasons Greetings!

As you prepare for the holiday season, you may have already set your intentions on simplifying your Christmas and holiday traditions - those you want to let go of, keep or begin. For most of us, this means moving forward with traditions that make us happy and that also provide joy to others - and paying it forward to make a positive difference.  

 

In keeping with our simplicity focus this holiday, it is our intention to assist you one step further this holiday season - and on into the New Year - by making available our new Resource Library! Our Resource Library includes quick "A-Z" links to articles and reports on a range of topics and unique concerns that you, your family or your business might face, given your changing needs. As always, you can call our Cross Insurance Trusted Advisors for sound advice, or you can begin your research right here in our Resource Library!

 

And, please be sure to pay it forward to friends, family members or colleagues by forwarding them our Resource Library handout! What better gift than to know that those you care the most about are protected and informed as the landscape of insurance policies and legislation changes, and as you will also see here in our December newsletter.

 

From our families to yours, we wish you each of you a very Merry Christmas and Happy Holiday Season.

Very best regards,
Wendy and Suno 
Wendy Bagley and Suno Dubuc
Personal and Commercial Lines Managers  
 
HOLIDAY HOME SAFETY PROTECTION TIPS!  



Make sure you check out the Top 8 Ways to Secure Your Home Before You Leave for Vacation - Or Even if You're Away for a Day!
 By using these theft-prevention tips to protect your home and possessions, you and your family will have extra peace of mind, whether you're away for a day or on vacation.

To answer any of your questions about home protection during the holidays, call or email Wendy Bagley, our Personal Lines Manager, or any of our Personal Account Managers today. You'll be glad you did!

603-279-8122



"RUDOLPH, I HAVE A FEELING WE'RE NOT IN THE NORTH POLE ANYMORE!"

 
~ Cartoon by Rosalie Hanson    
    For Cross Insurance   


WE HEAR WHAT YOU SAY!
   
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.

 

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.    

 


           
USE RISK MANAGEMENT
  TO HELP CUT COMP COSTS
!

Any business owner knows that sound risk management provides a foundation on which to stack all other operation strategies -- and a great way to reduce accidents and injuries and lower your Workers Comp premiums.

 

Because this is such an important topic, here are the seven essential benefits of a risk management program, according to The National Alliance for Insurance Education & Research.  (Please scroll down) 

 

 

 

To answer any of your questions regarding these seven essential benefits, be sure to call or email Ann Hebert, or any of our Commercial Account Managers today!

 

603-279-8122

   



OUR FEATURED COMMUNITY PARTNER  
   "GOT LUNCH PROGRAM"   

At Cross Insurance, our goal is to assist in supporting 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.  Employees interested in participating donate a dollar on Fridays, and proceeds go directly to our community partner.
                
Our  most recent featured community  partner is the Got Lunch Program,  to benefit Inter-Lakes School Students.

To let us know about  your own recommendation for a very deserving community program, simply email Wendy Bagley or give us a call at (603) 279-8122.

HEALTH COVERAGE SHRINKS FOR  
EARLY RETIREES       
Blaine Horne from our Cross Employee Benefits Department, would like you to be aware that given the economy's slow growth and rising health care costs have employers thinking twice about offering health care coverage to early retirees. Over the past decade, fewer and fewer private-sector businesses have chosen to continue offering health coverage to early and Medicare-eligible retirees. Check out the key findings from the Employee Benefit Research Institute's survey on the state of retiree health benefits, in our December Benefits Buzz. And, be sure to take a look at our Tips for a Smooth Open Enrollment Season article while you're there!
 
To answer your questions about Employee Benefits, email Blaine or give him a call today at (603) 279-8122. 
 
VISIT WITH US TODAY!   

45 State Route 25
Meredith, New Hampshire 03253
   

(Next to Dunkin Donuts)   

       Get Directions           

 

Ph: (603) 279-8122

Toll Free: (800)742-0274

 Fax: (603) 279-8876

 

Visit  our Cross websites for insight on why our excellent services and competitive prices offer unsurpassed value to our clients:  
  




 

 
" Horne Ins. Agency LLC. dba Cross Insurance - Meredith. is legally organized as a Maine business corporation  
and is separately managed and operated as a wholly owned subsidiary of Cross Financial Corp., Bangor, ME."