Shop Local

Local food. Local theater. Local products. We’re paying more and more attention to things that come directly from our own communities. Why shouldn’t your business auto insurance agent be local, too?   Everyone hates feeling like a number, and we promise never to make you feel that way. We’re local. …

Deferred Annuities vs. Immediate Annuities

Cash now or cash later? With some annuity types, you can choose to receive cash right away after paying your principal, creating an immediate cash flow with no waiting. [1]But there are significant advantages to using a deferred annuity as well.   It largely depends on where people are in …

Tiny but Mighty

Tiny can be mighty. Small businesses are the backbone of our economy, and we want to celebrate all things small: Baby carrots. Teacup poodles. Non-fleet insurance. You don’t need to have a huge business and dozens of company vehicles to get the best possible business auto coverage. Typically, a “fleet” …

Protecting Your Business Family

Life insurance is all about protecting your family. For many small business owners, family also includes your employees. You may already protect them with health insurance and other benefits, but what about life insurance? What would happen to your employees’ families in case of the worst? Establishing a group life …

An Umbrella for Extra Protection

Even the most safety-minded among us could someday face a personal injury or liability lawsuit.  That’s a scary prospect since payments for hospital bills, rehabilitation, lost wages, pain and suffering, and litigation could potentially wipe out your entire net worth and even your future earnings.  Fortunately, ERIE offers affordable Personal …

Play Safe: Trampolines

Make sure your model has shock-absorbing pads that fully cover the frame, hooks, and springs.  refrain from using a ladder that could give small children unsupervised access to the trampoline.  Only allow one person on at a time, and have a no-somersaults policy.  Make sure you buy an add-on cage …

Backyard Fun: Swing sets

Opt for ones with seats made of something soft instead of wood or metal.  Install the set on a level surface, and consider setting it in concrete.  Place energy-absorbent material like sand, rubber, or mulch underneath the set.  Periodically check to make sure no screws or bolts are uncapped, rusted, …

Keep the Kiddos Safe: Tree houses

Choose a strong, sturdy tree that’s far away from any electrical wires.  Refrain from placing the house any higher than 10 feet.  Make sure the path up is a solid barrier wall that’s at least 38 inches tall and don’t hang any ropes or chains—these pose strangulation risks.  Spread lots …

Safe Summer Fun: Pools

Install fencing that’s at least five feet high and features self-locking, self-closing gates.  Regularly check and repair the pool’s drain and suction covers to prevent accidental entrapment.  Never let anyone swim alone, and make sure children are well supervised.  Have a pool hook, plenty of life vests, a ring buoy …

Living Forever?

How long do you plan to live?  The Centers for Disease Control put the average American life expectancy at nearly 78 years. That means Americans are spending more time in their “golden years” than ever before. Is your retirement planning enough to keep you living the life you want?   …