February 2013
'
Newsletter for Clients and Friends of Cross Insurance
       
    When Bad Things Happen to Good Clients:
Will Insurance Protect You?


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

  
In This Issue
Snapshot Discount: Try it Before You Buy It!
February Resource Library Updates
This Month's Health Care Reform Updates
Would You Like a $10 Gas Card for Winter Travel?
Should You Drop Collision Coverage on Your Old Car?
Quote of the Month!
Protect Yourself & Save With These New, Informative Articles
Our Protection Team Contact Page and Photo Album!
When Bad Things Happen to Good Clients: Will Insurance Protect You?
Our Cross Team Assists With the "Got Lunch" Program!
Mobile Devices Pose Data Breach Threats
Would You Like to Win a $100 Restaurant Gift Certificate?
We Hear What You Say!
The Newtown Memorial Fund - Our Featured Community Partner
Visit With Us Today!

SNAPSHOT DISCOUNT

"Try it Before You Buy It!"

17% Average Savings in New Hampshire! 

At Cross Insurance, we're very excited to remind you about Snapshot, only offered by Progressive. Snapshot uses technology that observes your driving behavior, and gives you a discount based on that information. The bottom line, Snapshot helps good drivers save money on their insurance when...

 

.You drive your vehicle less 
than 15,000 miles per year.
.You don't  frequently drive between midnight and 4 a.m. 
. You don't frequently
brake hard.

 

Does it sound like Snapshot might be a fit for you? Check out this short video, Positive Pullovers From the Messenger to learn more.

 

Find out more by reading How it Works here, and be sure to call us today to start saving money on your car insurance today!

 

(603) 279-8122 

New February Updates!

CROSS INSURANCE

RESOURCE LIBRARY 

Please Save! 

 

 

If you didn't get a chance to look at and/or save a  copy of our new Cross Insurance Resource Library,
 we have included it here for you to save. And, as a couple of the links in our January issue Resource Guide were deleted, we have now published the Resource Library so that links remain permanent for your files! 
 
FEBRUARY HEALTH CARE REFORM UPDATES:
Proposed Rules on Workplace Wellness Programs, and More!
  
 
With all of the recent transitions in Health Care, Blaine Horne from our Cross Employee Benefits Department, would like to share the following important information with you, including Pay or Play Penalty - Coverage for Substantially All Employees and Dependents; along with the article regarding Employer Penalties - Dependent Coverage Requirements; in addition to  Employer Penalties: Affordability Safe Harbors.  
  
Our February Benefits Buzz includes current updates pertaining to Relief for Non- calendar Year Plans, along with our Live Well Work Well feature this month, Fiscal Cliff Deal: The Good and the Bad.
  
To answer your questions about Health Care Reform and Employee Benefits, email Blaine or give him a call today!
  
(603)279-8122

WOULD YOU LIKE TO RECEIVE A  

$10 GAS CARD FOR WINTER 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!   


SHOULD YOU DROP COLLISION COVERAGE ON YOUR OLD CAR?

 

We're often asked when is a car so old that it's no longer a wise investment to continue buying collision insurance for it. The answer depends on your individual situation.

 

First, what's the true worth of the car? Any repair or replacement costs following a collision will be based on the value of the vehicle at the time of the claim. Also consider your deductible amount. For example, if your car is now worth $2,000 and your deductible for collision claims is $500, insurance will pay no more than $1,500 for your loss.



Read on (and please scroll down) to help you make a more informed decision about whether or not to drop collision coverage on your old car. And, to answer any of your collision coverage questions, call or email Sue Reponen today, or any of our Personal Account Managers!

 (603) 279-8122        

QUOTE OF THE MONTH

  

"You'll never find a rainbow if you're looking down."

~ Charlie Chaplin    


PROTECT YOURSELF,  SAVE, AND BE WELL  
With These Current Personal, Commercial and Health Resources! 
Join Our Mailing List
CONTACT US HERE! 
  Click on the door for our Cross Insurance Protection Team to greet you!





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View our videos on YouTube


       
Greetings:

We've all experienced those times when bad things happen on any given day - ranging from the small things, such as spilling your coffee or losing your car keys, to the larger personal, professional and financial misfortunes. When these things happen, we can either fall into ineffective coping behaviors, or we can focus on what we can do, including asking for help.  

 

At Cross Insurance, we are always sorry to hear when bad things happen to any of our clients have suffered an accident or have a claim on their insurance policy, but that's why you have insurance - to protect you or your business when something bad happens. Experiencing a loss can be overwhelming. We understand, and we will take the necessary steps to make processing your insurance claim simple and free of frustration.

There are a few things you should know BEFORE you submit your claim, and
there are many factors that determine the true impact of a claim on your policy, and which you can learn more about here:

Keeping the focus on what we can do in mind, we encourage you to take a look at all of our current protection news and articles this month, so that you can be proactive about your protection and your savings.

And, as we've heard it said that 2013 is the Year of Optimism, we thought to pass on this encouraging piece about remaining positive - no matter what comes your way today. Enjoy!

Very best regards, 
Wendy and Suno 
Wendy Bagley and Suno Dubuc
Personal and Commercial Lines Managers 

wbagley@crossagency.com
sdubuc@crossagency.com 
 

 

  "A PICTURE IS WORTH A THOUSAND WORDS!"     
As you go through the changes in life, your insurance needs change. To make sure that you are adequately protected, click on the picture of the type of insurance that you want to learn more about. To receive a rate comparison from multiple insurance carriers, be sure to call us today. YOU'LL BE GLAD YOU DID! 
  
           

                      AUTO                                  HOME

            
                 CONDO                              EARTHQUAKE

 

            

                  FLOOD                             UMBRELLA   

 

           

     MOTORCYCLE                     RECREATIONAL  

 

   

              BOAT                                 LIFE 

 

    

                  BENEFITS                       FINANCIAL 

 

SAVE TIME AND MONEY!
Call us today for your Customized
Protection Plan & Rate Comparison!
(603)279-8122!  
  

         


OUR CROSS INSURANCE TEAM
WAS THRILLED TO ASSIST THE
"Got Lunch" Program



As Friday is "Casual Attire Day' at our office, our employees make a weekly donation to a charity for this privilege.  On Jan 17th, the Meredith office staff presented a check for $350 to Christine Hodecker from the newly formed 'Got Lunch' Program based out of Meredith NH.  

 

This program will kick off in June 2013, and will offer weekly deliveries during the summer months of groceries to the families of participating school children in the Meredith School District.  This district  includes the towns of Meredith, Center Harbor and Sandwich. The program was conceived as a way to address a very real concern: What do children who come from homes that qualify for free or reduced price meals do during the summer months when cafeterias are closed?  Although deliveries won't begin until June 2013, fundraising efforts are well under way.  At Cross Insurance, we felt this to  be a very worthy cause and are  thrilled to be able to make this donation!

 

 

MOBILE DEVICES

POSE DATA BREACH THREATS

 

The widespread use of smartphones and tablets in the workplace is exposing more and more businesses to liability for sensitive data being compromised if these devices are lost, stolen, or hacked. How can your company protect itself against this threat - and how much authority do you have over an employee's personal device if it's also used for work-related activities? Read on to learn more about Data Breach Threats to Mobile Devices.  (Please scroll down.)



To answer any of your questions pertaining to protecting your company from Mobile Device Data Breach Threats, be sure to call or email Ann Hebert or our any of our Commercial Account Managers today!    

            (603)279-8122

                   

  


                 WOULD YOU LIKE TO WIN A
       $100 RESTAURANT GIFT CERTIFICATE?


Picture yourself enjoying a delicious 

dinner with that 'someone special' at one of the selected restaurants that we'll provide for you! All you have to do is simply email Diane Skilling here, and type the word, RESTAURANT  in the subject line, and you will and automatically be entered into our next quarterly office contest.

 

 

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.    

 


           

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 Wendy Bagley, or give us a call at (603) 279-8122. 

 
 
VISIT WITH US TODAY!  


CROSS INSURANCE  

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:  






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