Set up your personalized Erie Insurance online account to get ID cards, pay bills, and receive agent contact information from your phone or home computer.
Erie’s Employment Practices Liability coverage protects business owners from lawsuits involving:
If a customer or employee makes a claim, whether it’s true or not, the legal costs to defend your business could be crippling. Employment Practices Liability covers defense costs and liability charges.
Call us to discuss adding this coverage to your commercial liability policy.
As a professional brewer, vintner or distiller, you’ve worked hard to establish a business that produces a quality product. That’s why it’s so important to make sure you have the right insurance protection. The ERIE Custom Collection® Breweries, Wineries and Distilleries Program has been crafted with your unique business needs in mind. Contact me to learn more.
Life insurance is important for your financial health, peace of mind, and protecting your family. Make sure you sign up for a policy today, because this is the hard truth: when you need life insurance, you can't get it.
For the sixth consecutive year, Erie Insurance received the highest ranking in the J.D. Power 2018 U.S. Insurance Shopping Study for "Customer Satisfaction with the Auto Insurance Purchase Experience." The study measures auto insurance shopping purchase behavior and purchase experience satisfaction among customers who recently bought insurance, and Erie received the highest numerical score: 877 out of 1,000.
This is huge for Erie because J.D. Power surveys real customers and no other carrier ranks higher.
Also on the trophy shelf, Erie earned A.M. Best's rating of A+ (Superior). While Erie Family Life Insurance earned A.M. Best's rating of A (Excellent). These accolades speak to Erie's financial strength. Customers can be sure Erie is financially sound and will be there for its customers.
For more information on Erie's awards and rankings, visit its website: erieinsurance.com/awards
CNN published an article earlier this month about the fact that after years of decline, the injury death rate among people in the United States ages 10 to 19 is rising. The CNN article was based a new report from the National Center for Health Statistics at the US Centers for Disease Control and Prevention. The report found auto injuries to be one of the leading causes of death.
Below are some highlights from the article:
- The rise in deaths is attributable to injury-related deaths, such as traffic accident fatalities, drug overdoses, homicides and suicides, as opposed to illness.
- Among 10- to 19-year-olds around the world, road traffic injuries were the leading cause of death in 2015.
- Motor vehicle traffic fatalities accounted for 62% of these unintentional injury deaths.
- The new report was based on data from death certificates filed in all 50 states and the District of Columbia between 1999 and 2016.
Check out the full article for more information on the study: https://www.cnn.com/2018/06/01/health/youth-injury-death-rate-cdc-study/index.html
We feel this study highlights the importance of practicing safe driving, as well as the need for our lawmakers to dedicate time and money to creating and enforcing legislation that will support safety on the road. Things like driver-training courses, putting down our phones while we drive, and new laws that address road safety are critical.
Hear from real customers why Erie Insurance is consistently ranked among Pennsylvania's best companies for claims service.
Whether it's a business or personal insurance claim, it's so important to have an agent who can answer questions and advocate for you with your insurance company. That's the real reason to shop insurance through an agent rather than online.
This article published on CNN Money, is an interesting read and illustrates why it's important to get insurance quotes through an agent or a reputable carrier.
The article explains, "Increasingly, sites that offer you car insurance quotes or price comparisons can snag the extensive personal information you provide and pass it on to insurance carriers, agents or industry organizations, even without your consent."
Often these comparison sites also sell your personal information to third parties; allowing them to build a customer profile of you for things beyond insurance.
Check out the full article for tips on how to avoid unknowingly sharing your personal data while obtaining an insurance quote.
Bodily injury liability pays others when you are responsible for causing injuries in an auto accident. It could pay for things like someone's medical expenses, rehabilitation expenses, and even pain and suffering or other non-economic damages.
The state of PA requires every driver to maintain the following minimums for this coverage: $15,000 per person and $30,000 in aggregate. However, we always recommend our clients carry more than the state minimum. This is one of the most important coverages you carry to protect you and your family's personal assets.
Clearsurance, an independent community where insurance customers share their individual feedback on auto, homeowner’s and renter’s insurance, has recently ranked Erie among the top 10 best insurance companies in 2018 for both home and auto.
Erie ranked 5th out of 10 among auto insurers, and 2nd out of 10 among the home insurers included.
And here are the results as displayed on Clearsurance:
By: William Forbes
CNN posted an article today on how Arity, a unit of Allstate insurance, is developing a technology to track smartphone use in cars. The hope is that Allstate will be able to tell when drivers are actively using their phones while operating a vehicle. And, at some future point, Allstate may use the information to determine car insurance rates.
It's an interesting article, but the most shocking and fascinating points, to me, were in Arity's research. The article says, "Arity analyzed data from 160 million trips by hundreds of thousands of Allstate drivers. What it found confirmed research showing that drivers on their phones are more dangerous."
Using claims data, Arity found that distracted drivers are costing insurers 160% more than drivers focused on the road. The research confirmed that distracted drivers are more likely to get into an accident and these crashes tend to be more severe.
In fact, Arity recommends drivers put their phones into airplane mode before heading out in the car.
Distracted driving is a topic we at Forbes Insurance Agency have posted about in the past, and will continue to shout about. The effects of distracted driving and using your phone while you drive are now being studied by multiple agencies, and they are all saying the same thing - this behavior is causing more accidents, more fatalities, and more expensive claims for insurers.
Here is a link to the full CNN article, titled, "Do you text and drive? Your car insurance may go up," http://money.cnn.com/2018/01/24/technology/texting-and-driving-distracted/index.html.
Here are links to some of our past blog posts on this topic:
- Smartphones Are Killing Americans: https://forbes-insurance.com/forbesinsuranceblog/2017/11/1/smartphones-are-killing-americans
- Why Are Car Insurance Prices Rising? https://forbes-insurance.com/forbesinsuranceblog/2017/6/7/why-are-car-insurance-prices-rising
- Claims Increase The Cost Of Insurance: https://forbes-insurance.com/forbesinsuranceblog/2017/3/8/claims-increase-the-cost-of-insurance
- Pennsylvania Passes Daniel's Law - Stricter Penalties For Texting And Driving: https://forbes-insurance.com/forbesinsuranceblog/2016/11/8/pennsylvania-passes-daniels-law-stricter-penalties-for-texting-and-driving
A big thank you to Lauterborn Electric, one of our favorite clients, for the T-shirts! We received these just before the holiday, and it was definitely Christmas come early at the agency. Thanks, friends!
If you're in the Philadelphia area and need a light bulb changed (or perhaps something more complicated), give these guys a call: lauterbornelectric.com.
While purchasing insurance online can be convenient, there are true benefits to working with an agent, in-person for your insurance needs. Agents are required to have industry licenses and complete continuing education; meaning that when you need guidance and advice, they are equipped to give it. Their industry knowledge can help with everything from choosing the appropriate coverages, to navigating the claims process.
By: Nicole Vattimo
Here is a very interesting article, originally published on Bloomberg, that discusses the surge in U.S. traffic fatalities and how they are linked to smartphone use, but are not being properly reported as such. The article, "Smartphones are killing Americans, but nobody’s counting," states that over the past two years, traffic fatalities have increased by 14.4 percent.
"In 2016 alone, more than 100 people died every day in or near vehicles in America, the first time the country has passed that grim toll in a decade," the article reports.
The problem is that many of these fatalities are not being attributed to distraction or mobile-phone use. Why is that an issue? Well, because regulators are not getting an accurate picture of just how dangerous cell phones are for drivers, and how many accidents they are actually causing. Without solid evidence (think numbers and stats) to indicate how many accidents are caused by cell-phone use behind the wheel, lawmakers and regulators can not push for new and improved laws or safety features.
The article talks about how cell-phone use has changed too; how actual calls are not happening as often as texting and social media. But, I would take it one step further and suggest that using our phones for music in our cars is another distraction. My family has Apple Music, which does sync with my car's stereo, but many times to change playlists, I find I have to look at my phone.
Additionally, have you seen the technology packed into most cars today?! Most new cars have touch screens, which, in my opinion, are tricky to use while driving, that can display: music options, navigation, car diagnostics, movies, and more. It's insane how many distractions are built right into the car stereo today.
Take a read of the full article here: https://www.msn.com/en-us/news/technology/smartphones-are-killing-americans-but-nobody%E2%80%99s-counting/ar-AAtQOp7?li=BBnb7Kz
Check out Erie's latest blockbuster...and it's perfect for the season. Have a wonderful Fall and a Happy Halloween from all of us here at Forbes Insurance.
By: William Forbes
We have a quote printed on the wall of our office from financial guru, Suze Orman, which says, "If a child, a spouse, a life partner, or a parent depends on you and your income, you need life insurance." This quote sums up pretty perfectly why you would need life insurance on a personal level. But, what about the people who depend on you in a business capacity?
Are you the owner of a business, or are you a partner in a business? If yes, then you have people who depend on you for the success of the business and their financial livelihood.
When a key member of a business passes, it can mean a few things for his/her family, as well as for the other employees: the sale of the business, the retention of the business, or liquidation of the business. The point here is to avoid liquidation, as it often results in a below market value.
There are several types of life insurance policies that can be beneficial for business use and to help prevent a company's liquidation upon the passing of an owner or key employee:
- Buy and Sell Policy. In a sole proprietorship, this policy is designed to allow competent associates of the deceased to purchase the business, using life insurance for funding. This means that if anything ever happened to you as the owner, your associates would have the proper funding needed to purchase the business and keep it running. Or, alternatively, your family would have the funds needed to keep the company running through a proper sale process.
- Cross Purchase Plan. In a partnership, each partner would purchase a buy and sell agreement on the others, naming himself as the beneficiary and the others as insureds. This would give each partner the proper funding to purchase a set share of the deceased partner's interest.
- Key Person. Most often used by corporations, here a business owner would take a life insurance policy out on a key employee (think CEO or other top executive). If the key employee ever died, the company would be the beneficiary of the policy, which would provide funding while a replacement was being trained.
These are just a few examples of using a life insurance policy to protect your business. For more information on these and other options, talk to our agency. Life insurance can provide needed security for more than just your immediate family members.
By: Nicole Vattimo
The Insurance Institute for Highway Safety (IIHS) and the Highway Loss Data Institute (HLDI) recently published findings that indicate lane-departure and blind-spot warnings in cars are effectively reducing accidents. Here are some highlights from the report:
- Lane-departure warnings lower rates of single-vehicle, sideswipe and head-on crashes of all severity by 11 percent.
- Lane-departure warnings lower the rates of injury in these types of crashes by 21 percent.
- The IIHS feels the above results are modest; perhaps because many drivers turn off lane-departure functionality in their vehicles.
- If all passenger vehicles had been equipped with lane-departure warning, nearly 85,000 police-reported crashes and more than 55,000 injuries would have been prevented in 2015.
- Blind-spot detection lowers the rate of all lane-change crashes by 14 percent and the rate of lane-change crashes with injuries by 23 percent.
- Police reports include information on the circumstances of a crash, making it possible to look specifically at the types of crashes that particular technologies are designed to address.
Take a read of the full report for more information about these findings and how the studies were conducted: http://www.iihs.org/iihs/news/desktopnews/stay-within-the-lines-lane-departure-warning-blind-spot-detection-help-drivers-avoid-trouble