In today’s competitive business environment, attracting and retaining top talent is a priority for any company. One of the most effective ways to enhance your employee benefits package is by offering a group life insurance plan. September is Life Insurance Awareness Month, so employees may be starting to consider their life coverage.  Erie Insurance, known for its commitment to service and reliability, offers a group life insurance plan that stands out for both employers and employees. Here’s why choosing Erie Insurance for your company’s group life insurance plan can be a smart move.
 
1. Comprehensive Coverage at Competitive Rates
Group life insurance through Erie Insurance provides your employees with comprehensive coverage at a lower cost than individual policies. This is because the risk is spread across a larger group, allowing Erie to offer more favorable rates. Employees appreciate the affordability and peace of mind that comes with knowing they have financial protection for their families without breaking the bank.
 
                                                              Coverage is available at rates as low as $4/week.
 
2. Attract and Retain Top Talent
Offering a robust benefits package that includes group life insurance is a significant draw for potential hires. It signals that your company cares about the well-being of its employees and their families. This benefit can be a deciding factor for candidates choosing between job offers. Furthermore, providing life insurance coverage fosters loyalty among your current employees, reducing turnover and maintaining a stable, experienced workforce.
 
3. Employee Satisfaction and Peace of Mind
Employees who have life insurance coverage through their employer tend to feel more secure and valued. They know that in the event of an unexpected tragedy, their loved ones will be financially protected. This sense of security translates into higher job satisfaction, better morale, and increased productivity. Erie’s reputation for excellent customer service also ensures that your employees will receive the support they need when it matters most. 
 
4. Customizable Options
Erie Insurance understands that every company is unique, with different needs and workforce demographics. They offer customizable group life insurance plans that can be tailored to fit your employees’ financial needs.  Whether you’re looking for term or whole life coverage, Brock-Norton and Erie can work with your employees to design a plan that meets their needs and budget.
 
                                                              Coverage is available at rates as low as $4/week.
 
5. Easy enrollment. 
Our team will meet with your employees as a group to explain the plan and individually to enroll those who are interested in starting their coverage.  Employees apply individually and pay for the policies via post-tax payroll deduction.  Coverage is not guaranteed, but the application is simple and easy with no medical exam or lab work required.
 
 
6. Strong Partnership with a Trusted Provider
When you choose Erie Insurance, you’re partnering with a company that has a long-standing reputation for trustworthiness and customer satisfaction. Erie has been providing quality insurance products for nearly a century, and dedication to service has been their mantra since Day 1.  This partnership gives you and your employees confidence in the stability and reliability of your life insurance coverage.
 
Offering a group life insurance plan through Brock-Norton and Erie Insurance is more than just an employee benefit; it’s a strategic investment in your company’s future. By providing affordable, comprehensive coverage, simplifying administration, and enhancing employee satisfaction, Erie’s group life insurance plans can help your company attract and retain top talent while ensuring that your workforce feels secure and valued. In today’s business world, that’s a competitive advantage you can’t afford to overlook.
 
For more information, Contact Us today!

As Home and Auto Insurance rates rise across the insurance industry, customers face the triple threat of higher premiums, higher claims costs, and, worst of all, a higher chance of being underinsured.

Here are some of the reasons why rates continue to rise:
        - Building costs up 32%
        - Delays in materials, like windows
        - Longer temporary housing time
        - 40% increase in used car prices
        - Repairs taking 2x longer
        - 30% increase in rental car costs
(Source:  Hanover Insurance, Spring 2024)

To keep insurance accessible to individuals and families, our approach to home insurance must evolve from a maintenance policy to a shared contract that helps you, as customers, actively protect your property in partnership with and support from your insurance company. Here are some things you can do to reduce your risk of a loss.

1. Take proactive steps to protect and maintain your property. Focus on roof maintenance — the home’s first line of defense against the weather — as well as trimming trees close to the home, clearing gutters to avoid ice dams, and any general maintenance that the outside of your home needs.
   
   
2. Install risk mitigation devices, such as automatic water shut-off devices, water sensors, electrical monitoring, temperature monitoring, and whole house generators, as well as various alarm system options and smart home detectors. There is a lot of new technology available to help you protect your home.
   
   
3. Consider some coverage adjustments. Ensure your home is insured to value. Consider higher deductibles to help lower overall rates but result in higher out-of-pocket payment if there is a loss.

 
Risk Mitigation devices are an affordable way to monitor your home and guard against large losses. Discounts on these products are available through Hanover Insurance Group's Partners In Protection site. These discounts are available to clients with other insurance carriers as well.  
You are not limited to these options as there are many options available to you via Amazon or other retailers.  
 
If you choose to install one or more of these systems, please let us know. You may be eligible for discounts on your home insurance premium.  
 
We are here for any questions you may have. 

By prioritizing cybersecurity, organizations can mitigate the risk of data breaches, financial losses and reputational damage. Whether you're an individual or an organization, understanding the importance of cybersecurity is fundamental to navigating the threat landscape safely and securely.

The increased connectivity of the digital world means greater security vulnerabilities and cyber risk. Remote and hybrid work arrangements, increasingly sophisticated attackers, creative social engineering, and a rise in the number of passwords people use have all contributed to more cyber attacks. The results can be costly. Organizations that are ill-prepared or lacking in security and risk protocols will find themselves paying a hefty price both in reputation and financial loss.
 
While it’s nearly impossible to prevent all cyber attacks, your organization can reduce cyber risk by ensuring it’s prepared for the most common types of attacks. 

The most common types of risk are:

1. Compromised passwords / credentials
2. Social engineering and phishing 
3. Internet-facing services 
4. Supply chain attacks 
5. Man-in-the-middle attacks 
6. Structured Query Language injection attacks 
7. Distributed-denial-of-service (DDoS)
8. Malware
9. Ransomware

Am I covered my system is hacked? We recommend a cyber liability insurance policy to protect against financial losses resulting from a breach. Cyber insurance covers your cost to notify affected parties, diagnose & repair your system, regulatory fines, & lawsuits from the exposure of protected data. Contact us for more information on cyber insurance today!

To learn more about each risk; please check out Dataminr's Don’t Forget About These 9 Common Cyber Risks.

For more information on cyber security, click to read the Cybersecurity & Infrastructure Security Agency's Cyber Security information page. 

Information (c) Cybersecurity & Infrastructure Security Agency and Dataminr.

It is that time of year again. Winter often brings glacial temperatures and when temperatures start to tumble, the water that supplies your home’s faucets and fixtures can be in the danger of freezing inside of the pipes. Because water expands as it turns into ice, frozen pipes are prone to bursting, which can result in costly water and plumbing damage throughout your home. At the highest risk of freezing are pipes that run along exterior walls of your home and those in unheated or uninsulated places, such as attics, basements, or garages.

Before the temperatures outside start to plummet below freezing, it is important to understand how to prevent pipes from freezing. Read on below to learn more about how to prevent pipes from freezing and keep the water running in winter weather.
 
 
TIPS TO PREVENT YOUR PIPES FROM FREEZING IN THE WINTER

1. Set your thermostat to at least 60 degrees Fahrenheit at all times
2. Open cabinet doors where piping is present
3. Keep your attic door/hatch open if water filled pipes are present
4. Let water drip from all faucets during extreme cold
5. Ensure all water filled pipes are well insulated to reduce the risk of freezing
6. Do not forget to disconnect garden hoses and secure the valves and faucets
7. Seal any air leaks

  
 
For more information on how to prevent pipes from freezing in your home, click to read Selective’s “How to Help Protect Your Property From Extreme Cold”.


Information from © Selective