REMINDER:
Did You Save a Copy Of Our Cross Insurance Resource Library?
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If you didn't get a chance to look at and/or save a copy of our new Cross Insurance Resource Library, we thought to include it again in this issue. 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.
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CONGRATULATIONS
TO DIANE BOYLE!
| Please join us in congratulating Diane Boyle, one of our Cross Personal Lines Account Managers, in completing the last requirement to earn the coveted Certified Insurance Counselor (CIC) designation. Way to go for all of your hard work, Diane!
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CONGRATULATIONS TO OUR $100 GOURMET GIFT BASKET WINNER!
 (Pictured here is one of our valued clients, Don Michaud, picking the winning
drawing entry.)
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Congratulations to Lori-Beth Seymour the winner of a beautiful $100 Gourmet Gift Basket! And, as we like to change things up now and then, our next Cross Quarterly Drawing will be for a $100 ROADSIDE EMERGENCY KIT!
All you have to do is simply email our receptionist, Becky Masse, and then type the word, EMERGENCY KIT in the subject line, and you will automatically be entered into our Cross Insurance Quarterly Contest!
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SMART THINKING:
Winter Tips to Protect Your Piece of the World
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 How do you know if you're really ready for winter? As the saying goes, "You don't know what you don't know," and lack of preparation could mean unwelcome home and personal damage. Snow and ice are the fifth leading cause of many homeowners' insurance claims. Also, according to the Insurance Information Institute (I.I.I.), the average homeowners' claim for water damage and freezing is over a whopping $5,700. Now is the time to prepare for: +Preventing Ice Build Up & Collapse +Eliminating Slips and Falls +Learning the Winter Driving Tips +The Simple Steps to Snowmobiling Safety +Avoiding Frozen Pipes Damage Follow these tips to protect you, your home or your business from serious financial liability. |
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THANK YOU FOR HELPING THE KIDS!
| (Amanda Payeur, one of our Cross Personal Account Managers, hands over our holiday toys to the Somersworth Firefighters)
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At Cross Insurance, we were excited to once again be involved in collecting toys for the Somersworth Firefighters' Toy Drive! Your contributions were also very much appreciated, and helped make sure that this holiday was a special time for a few more children who wouldn't have otherwise received any of the 'gifts' of Christmas.
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PROTECT YOURSELF, SAVE, AND BE WELL
With These Current Personal, Commercial and Health Resources!
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THANK YOU FOR YOUR FOOD PANTRY DONATIONS!
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| Pat Vachon (L) Director of the Community Food Pantry, receives our holiday donations from Diane Boyle, our Personal Account Manager. We are very grateful for all of your generous contributions!
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Check out our latest testimonial page to see what our clients are saying about us! We Want to "WOW" You too! |
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 2013 Greetings!
We hope that you and your family had a terrific holiday! Despite the busyness of the season, there is also something about beginning a new year that provides us with a time to reflect, hope and renew. Whatever is in the past is behind us now. We get a chance to start over - to persevere with a clean slate. It could be the best year yet!
Speaking of perseverance, if you haven't already had a chance to see the movie, Lincoln, it is an inspirational film that you won't want to miss. It brilliantly illustrates the declining days of the Civil War and the obstacles Lincoln overcame to have the Thirteenth Amendment passed in order to abolish slavery. It's often thought that the most fascinating aspect of his legacy was that he constantly failed at life, but Lincoln also kept persistent despite his circumstances - consistently placing himself in a position to succeed.
Taking this into account, the New Year is the perfect time to take a look at each aspect of our own lives. Whether you desire to lose weight, create financial independence, build a healthy relationship, or raise responsible children, the formula for achieving any goal is the same. Decide what's most important to you, map out clear resolutions, place yourself in a position to succeed, and never, ever give up.
In like manner, at Cross Insurance, our aim is to be persistent by continuing to provide you with the most current Insurance, Financial and Health Care Reform solutions for you, your family and/or your business in 2013.
Happy New Year from all of us at Cross Insurance!
Chris
Christopher J. Gorman, CPCU
Branch Manager P.S. To start your New Year off on the right foot, be sure to check out this brief video clip about some of the "Famous Failures" who exemplified perseverance. Enjoy! |
HEALTH CARE REFORM:
Proposed Rules on Workplace Wellness
Programs, and More!
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TOP 10 REASONS TO PURCHASE
THE RENTAL CAR DAMAGE WAIVER
 Although most collision damage waiver (CDW) or loss damage waiver (LDW) fees are considered outrageous, most consumers should consider purchasing the CDW/LDW for short-term rentals. This is becoming increasingly the case as rental car companies charge ever-higher fees and penalties for losses and expenses not covered by most auto policies or credit cards. Learn about all 10 Reasons to Purchase the Rental Car Damage Waiver.
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OUR FEATURED COMMUNITY PARTNER
'The Newtown Memorial Fund'
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 Casual Attire 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 is the Newtown Memorial Fund, whose mission is to create a long-term fund to provide a memorial to the victims of the Sandy Hook Elementary School tragedy, and to establish academic scholarships in the victims' names for classmates and generations of Newtown students to come. As we are all aware, the heartbreaking incident at Sandy Hook could have taken place in any community, and for that reason, we consider Newtown to be part of our own greater community at this time.
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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THE TEN BIGGEST MISTAKES IN HIRING  High turnover, sexual harassment, violence in the workplace, employee theft - when you hire the wrong person, a lot can go wrong! Avoid these common errors: 1. Failing to identify company needs. Define your needs for the position. Instead of assuming that you need a certain type of employee, test your assumptions. 2. Failure to test employee skills. Identify the job's objective standard and test for it. Unless you assess an applicant's skills, you're gambling that they can perform - a bet you might well lose. 3. Hiring out of desperation.
Hire in haste - and end with waste. If you can't hire in a timely manner, bring in a temporary or leased employee, or borrow a worker from another company.  Read on to learn about all of The Ten Biggest Mistakes in Hiring. (Please scroll down.) To answer any of your questions about avoiding these common errors, be sure to call or email Deb Gifford, or any of our Commercial Account Managers today! 603-742-2552 |
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WOULD YOU LIKE TO ALSO RECEIVE
A $10 GAS CARD FOR WINTER TRAVEL?
 Congratulations to our Person of the Month, Evan McKenzie!
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 ROADSIDE EMERGENCY KIT!
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, such as Murray Long has shared with us here:
"Gina, thank you very ,very much! The Harvard Club was very impressed with your efficiency, by the way. Have a great Holiday!"
Murray B. Long CEC,CCE,ACE
Artist, Sculptor
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 Roadside Emergency Kit when we receive your testimonial. Thank you!
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A VERY HAPPY AND HEALTH NEW YEAR
FROM ALL OF US AT CROSS INSURANCE!
"A Picture Says it All -
"A Holiday in Review," featuring Amanda Payeur's
adorable daughters, Marissa and Jaylyn
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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