Long Insurance Services of Kernersville, NC


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All posts by Duane Long

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Crash Course

Crash Course

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You’re sitting calmly in traffic drumming your fingers on the steering wheel when you hear the sound of brakes screeching from behind. Glancing in the rearview mirror, you see a car barreling toward you and brace for the crash.

In 2023, more than 5.25 million Americans experienced an auto accident, according to the National Highway Traffic Safety Administration (NHTSA). While we can’t always prevent accidents from happening, we can prepare for what to do when they occur.

First and foremost, your ERIE Agent is here for you and can guide you through the entire claims process. Our claims adjusters will also help determine the next steps for restoring or replacing your vehicle, and your online account or mobile app will keep you posted on the claims process.

What now?

A car accident is just that, an accident. If you find yourself in the aftermath you might notice that as the adrenaline drops off, your brain starts to whirl with questions. Often, the loudest one is, what now?

First, make sure everyone involved is safe. If your vehicle can be moved out of the roadway, do so. No matter what, be sure to turn on your hazard lights.

Next, remember to stay calm. Take some deep breaths and remember, with ERIE, you are not alone.

Then:

  • Call the police to report the accident. If someone needs medical attention at the scene, call 911
  • If your vehicle needs to be towed, be cautious of predatory towing companies. Using them may result in expensive out of pocket charges. ERIE has a towing program, and you can request an accident tow by using your mobile app. If using a towing provider at the scene, be sure to obtain the towing company name, operator, contact information and location to where the vehicle is being towed.
  • Document the scene. Take notes, photos, videos and voice memos. Make sure to get:
  • Date, time and location
  • Description of what happened, while it’s still fresh in your mind
  • Contact information of those involved and any witnesses
  • Insurance information, driver’s license number and license plate information of all drivers involved
  • Identifying information of all responding officers
  • Photos of the involved vehicle from different angles, showing the damage done to both cars. Note that if you use ERIE’s photo appraisal option, you’ll need to take additional photos of your vehicle during the photo appraisal process.
  • Copy of final accident report

If your accident was the result of a hit and run, the steps don’t vary much. Record any details you may recall about the vehicle that hit you and gather witness statements and contact information.

Finally, contact your Erie Insurance Agent directly to begin the claims process. Even if your accident occurs in a state outside of ERIE’s footprint, your ERIE Agent can gather the information, talk about next steps and submit the claim.

Did you know?

ERIE includes basic transportation car coverage automatically in most states when you purchase comprehensive coverage. You’re covered for a compact sedan rental car. If you need a larger rental vehicle, you could purchase additional coverage. While many competitors pay for either a certain percentage of costs or a capped dollar amount, ERIE’s coverage can pay for rental cars for up to 45 days.2

To have rental car coverage for collision losses, such as when you hit another car or a fence, building or pole, you would need to add the coverage to your policy.

What’s next?

Once a claim is submitted, if you have an online account or ERIE’s mobile app, you can monitor your claim and check the status at any time, when it’s convenient for you. You have the option to receive updates via text or phone call.

Check in…when and where you want

It isn’t a secret that pretty much everything can be done with a smartphone these days. Whether it’s checking the forecast or shopping for groceries, there’s usually an app or process to help you.

Your claim status isn’t much different.

While your Agent is always there to assist you through a claim after an auto accident, ERIE also has tools for Customers that want to monitor and communicate during their claim electronically. With ERIE’s claim status feature, you can keep an eye on your claim status timeline, which can provide:

  • An overview of the claim, including a small timeline of what’s been done and what’s happening next.
  • Vehicle rental confirmation and details. If you have transportation coverage on your policy, this would include the rental car company, reservation number, type of vehicle and the rental car period.
  • Direct Repair Program (DRP) information, including repair shop details and contact information. ERIE’s DRP program can help speed up the repair process, so we can get you back on the road ASAP.
  • A communication log. You can see all of the points of contact throughout the process and if there is anything that needs follow up.
  • Payment confirmation, should ERIE make an e-payment directly to you, the Customer.

Download an ERIE online account and mobile app

If you don’t have an ERIE online account yet or haven’t downloaded the mobile app, this is a great time.

Not only does your online account have the ability to show your claim status, but you can also:

  • View your ERIE Agent’s contact information
  • View policies and full declarations pages (You can select the option to go paperless, too)
  • View auto ID card (not available in NY)
  • View your billing and payment activity (as well as make a payment)

What else can I do in claim status?

Not every auto accident is the same. There are some additional items that you can view in your claim status based on your specific situation, such as:

  • Towing information, including what towing company is servicing the claim, the status of the tow, pickup and destination locations and reference number.
  • Total Loss. When you experience a total loss, you’ll see this in your claim status timeline. You’ll also see the involved vehicle’s information and total dollar amount owed from the claim.

When you experience a total loss, this is when your Auto Security coverage would help. Auto Security allows you to replace your totaled vehicle with a newer one with fewer miles or cover the difference between what you owe and your car’s value.1 If you don’t have Auto Security on your auto policy, talk to your ERIE Agent about adding it.

Claim status is convenient and can be accessible from both your mobile device or desktop computer. It’s a great way to keep track of the status of your claim anytime, from anywhere.

Claim status is available for boat and property claims, too. Past claims are available for six months after the close date for any reference you may need. Just like having multiple policies with your ERIE Agent, all of your information is stored in one convenient place.

Your ERIE agent is with you every mile

Within your online account’s claim status, your Agent sees what you see. They know exactly what coverages are applicable and can provide guidance on the right services for you. By sharing the same view, your Agent can track your claim’s status and answer any questions along the way.

The last thing you want to do is write down phone numbers or keep track of your claim’s progress. That’s why everything is conveniently done within your online account and with the help of your ERIE Agent.

While you always have the choice in how to communicate with your Agent and ERIE, providing different options allows you to customize the experience that best works for you. Regardless of how you communicate, your Agent is the best place to start when you have a claim.

Whether you’re calling about a claim or going over your policies during a review, your Agent is here for you through it all.

Your auto policy is more than a paper document. It includes an Agent that acts as your advisor, claims team members to help you get back on the road and tools to make navigating insurance a little easier.

For any questions—about your rates, coverage or anything else—your ERIE Agent is here for you, at any time.

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Solar Eclipse Safety

Solar Eclipse Safety: 3 Things To Know

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On Monday, April 8, 2024, a total solar eclipse will cross over parts of Mexico, the United States and Canada. United States cities from Texas to Maine are considered to be in the “path of totality,” including Erie, Pennsylvania, where Erie Insurance’s Home Office is located.

While a solar eclipse doesn’t bring the type of immediate destruction you’d see from other natural disasters like hurricanes, tornadoes or floods, it does present some unique risks.

Here’s how to make this eclipse viewing an enjoyable (and safe) experience.

1. Don’t look directly at the sun.

The human eye is extremely sensitive. Staring at even the smallest sliver of the visible sun can cause permanent eye damage.

Before you buy those on-trend eclipse viewing glasses, make sure they’re the real deal. Regular sunglasses simply don’t offer the same level of protection, and some scammers are trying to pass knock-offs as the real thing.

The American Astronomical Society has verified several manufacturers that offer options when looking to purchase proper eye protection for the big event.

2. Keep your eyes on the road.

Our 2016 study of Twitter and Instagram data showed that people stare at the sky #whiledriving… even when there’s not an eclipse going on. So, we can only imagine how Eclipse Day drivers will act.

If you live close to the path of totality—that’s eclipse-speak for the best visibility line—expect traffic jams from visitors. And if you happen to be on the road during the big moment, be extra cautious and drive defensively.

3. Renting out your home? Check your liability coverage.

“Solar eclipse vacations” are a white-hot trend. If you own a home in the path of totality, you might already know there’s a demand for tourists to crash at you­­­r place via a short-term rental website (like Airbnb).

But before you look to cash in on the opportunity, ask your insurance agent if your homeowner’s insurance policy is currently set up to protect you from the unique liability or property damage risks that come from renting out your home.

On April 8, enjoy this once-in-a-lifetime view! And remember: rain or shine, your Erie Insurance agent is here for you. Find an ERIE agent in your neighborhood today.

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Clear Your Home of Bugs and Rodents

How to Clear Your Home of Bugs and Rodents

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Between-season maintenance is a surefire way to keep your home ready for guests of the two-legged variety. But what do you do when that routine cleaning turns into a discovery of the four-legged (or more!) kind?

To help you identify and evict any scream-worthy roommates, we’ve pulled together our top tips for getting rid of these pests, including putting this kitchen essential near entry points.

What Are the Signs of an Infestation?

Thankfully, rodents aren’t very subtle. They like to leave presents (droppings) wherever they go. They’ll also help themselves to a feast if they find one, so you’ll likely find torn-open bags of food, and if your cold-weather guests are of the fur-and-claw variety, you may even notice some teeth marks nearby.

With insects, you’ll typically find the dead bodies of their fallen scouts in large numbers; the more you find, the more likely you are to have an actual infestation. You may also notice more spider webs since they like to camp out in areas with a high concentration of bugs.

What Can Make a Home Attractive to Pests?

Depending on the type of house you have, you might end up as a prime target for new, wall-inhabiting tenants. Pests like termites and carpenter ants are drawn to wood construction, while wasps and ants sniff out food sources with high sugar content. Rodents are less picky, usually seeking food in low, easily accessible areas.

Maintaining clean household surfaces and storing food away from the floor wherever possible can dissuade hungry scouts from further investigating your home.

Where Did They Come from In the First Place?

While pests can be surprisingly intelligent and resourceful, they usually can’t gain access to your home without exploiting a vulnerability. Consider inspecting your house for probable areas of entry, such as cracked foundations, lifted baseboards or areas of separation near pipes or vents. Preventing future entry could be as simple as filling in a few gaps!

I Have a Pest Problem. What Did I Do Wrong?

Once you’ve determined that you have an infestation, it’s time to cut the clutter. A cluttered home gives insects and rodents plenty of places to nest or hide, as well as easy access to the things that drew them to your house in the first place. Cleaning your home provides less incentive for pests to linger or to come in the first place.

How to Get Rid of Pests

If your problem persists after you’ve cut the clutter and put food in safe storage, you may need to take more aggressive action. Hiring a licensed exterminator can eliminate your pest problem. If you’re looking for a more natural way to eliminate unwanted visitors, here are some ideas:

  • Ants: Spices such as chili powder, cinnamon, cloves, garlic, dried peppermint or tartar have all been proven to repel ants when placed near their entrance holes. Coffee grounds and lemon juice can also do the trick. Learn more about preventing ants.
  • Wasps: Nonessential oil sprays can dissuade wasps from setting up shop. It’s also imperative that you identify and destroy the nest or fill it with dirt before it gets too big.
  • Mice or rats: Mouse traps and catch-and-release traps can mitigate your existing problem. Sealing the holes and storing food in sealed locations can prevent new mice from entering. Get more tips for keeping mice out of your home.
  • Cockroaches: One of the world’s heartiest pests hates bay leaves. Placing them in areas where roaches are drawn (typically areas with food or standing water) will dissuade them from coming back. Borax has also proven to be effective.
  • Termites: Keeping wooden structures and wood piles away from your home reduces your risk of infestation. Borax, neem tree oil and orange oil are also effective termite repellents. Find out the telltale signs of a termite infestation.
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Coverage Review

What’s a Coverage Review (and Why Do I Need One?)

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A lot can happen in a year: you may have moved into a new home, updated your current home, added a member to the family or sold a vehicle.

These are just a few things that you should let your insurance agent know, too. These life changes can impact how you’re covered, and you always want to make sure you have the right coverage amount. Make it your resolution to do a coverage review with your ERIE Agent in the new year.

When it comes to insurance, the best policy is one that provides the right protection for you and your family — right now. That means as your life changes, your insurance coverage should, too.

In an ideal world, you’d call your insurance agent every time you finished a home renovation, bought a new vehicle or got a new job. But life is busy. And with all the responsibilities of work and family, evaluating your auto, home or life insurance coverage may fall pretty low on your priority list.

That’s why it’s helpful to have an insurance agent. Your agent can keep an eye on your policies and reach out to connect to make sure they’re still the right fit.

So if your agent calls (or texts or emails) and offers to review your coverage, here’s what you can expect. Or if you’re ready to review your policies you can download our free PDF printable checklist on what to tell your agent and what information to have handy.

What is a Coverage Review?

A coverage review is a general check-in with your insurance agent. During the review, you’ll meet with  your ERIE agent and share any life changes that could affect your insurance needs. This information will be used to update your current policies and recommend additional coverages you may want to consider.

A coverage review is a good opportunity to ask questions and understand what your policies can (and can’t) cover. Your ERIE agent can also share real-life claims examples they’ve seen in your local area to help you avoid potentially costly coverage gaps.

Your agent may schedule an in-person meeting, or ask you to provide information over the phone or email — whatever works best for you.

Of course, you don’t need to wait for your agent to schedule a coverage review. You can also request one yourself! Just call, email or text your agent to get in touch.

What Information Will My Agent Ask for During a Coverage Review?

During a coverage review, your agent will want to know about any life changes since you last connected. This may include:

  • Personal information: Make sure your agent has current information for you and your family. This includes your mailing address, phone number, email address and all the members of your household. Be sure to let them know of any name changes due to marriage or divorce, or if you’ve had a child since you last spoke — this may lead to a change in your policy beneficiaries. Having the correct information on file ensures there aren’t any delays in the event of a claim.
  • Covered drivers: When updating your auto insurance, your agent will need to know if there are any changes to the drivers covered under your policy. This could be a child that’s about to get their driver’s license or someone who’s living with you and regularly using your vehicle (Related: Am I Covered When I Lend My Car to Friends or Family?). If you’re considering a new vehicle, your agent can also provide a free quote.
  • Home updates: Have you upgraded your kitchen, transformed your bonus room or finished your basement? Major improvements like these increase the value of your home, which means you may need a higher limit on your homeowners policy. Without changing your limits, you may be left with a coverage gap t hat could leave you underinsured if you need torepair or rebuild your home if the unexpected happens. Ask your agent how guaranteed replacement cost can provide peace of mind.
  • New purchases: If you’ve bought any new “toys” — like a boat, all-terrain vehicle (ATV) or golf cart— you may want a separate insurance policy. While insurance might not be required for watercraft and off-road vehicles, they still represent a significant investment that should be protected. The same holds true with valuables such as musical instruments or jewelry. Sending a copy of your updated home inventory to your agent will help them determine if you need to purchase personal valuables insurance.
  • Job changes: Let your agent know if there have been any changes with your employment. For example, if you’ve retired or are now working from home, the miles you save on your daily commute may result in a lower auto insurance rate. And if you recently earned a promotion, it may be time to review your life insurance policy to ensure you’ve got enough coverage — beyond what may be offered by your employer.

Can My Agent Help Lower My Insurance Bill?

Everyone likes saving money, right? Talk to your ERIE agent – they’ll work with you to ensure you’re getting the best price possible for the coverage you need.

Read more about available insurance discounts from ERIE or check out this list of ways you can save:

  • Safe driving discount: If you’re a safe driver with a good driving record, you could get a discount on your auto coverage. And in select states, ERIE’s free driving safety app, YourTurn® can help you earn rewards for safe driving*. With YourTurn®, drivers measure criteria like speeding, braking and phone usage to become more aware of their driving habits. As an added perk, you’ll earn a gift card for safe driving (up to $5 or $10 every two weeks). Learn more about YourTurn®.
  • Car safety equipment discounts: You can save on your insurance coverage if your car is equipped with safety equipment like factory-installed air bags, passive restraint2, anti-theft devices3 and anti-lock brakes.
  • Multi-car discount: If ERIE insures two or more of your vehicles, you could qualify for a discount. (All the vehicles in your household must be owned and used by the drivers we insure on the policy.)
  • Multi-policy discount: A discount is available if you have a qualifying life insurance policy1 or home policy in addition to your ERIE auto insurance.
  • Reduced usage discount: If you’re not using your car for at least 90 consecutive days during the policy period, you could be eligible for a discount on your car insurance2.
  • Young drivers: Unmarried drivers under age 21 who reside with their parents may be eligible for additional savings on their car insurance3.
  • Annual payment plan: You can save by paying your auto premium annually.
  • Changing your deductible: Generally, you can lower your insurance premium by raising your deductible. But if you’d prefer to reduce your out-of-pocket expenses in the event of a claim, our diminishing deductible is available for about $30 more per year with the Erie Auto Plus4 endorsement. Your deductible diminishes for every year you do not have a claim.
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Comments Off on 15 Ideas to Promote Your Business This Holiday Season
Promote Your Business This Holiday

15 Ideas to Promote Your Business This Holiday Season

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Flashy commercials. Doorbuster deals. It’s holiday shopping season again – and if you own a local business, competition from big box stores can be fierce.

According to a recent survey from McKinsey & Company, 85% of consumers plan to purchase at least one item in store despite the prevalence of online shopping. And even better, Forbes says 84% of consumers plan to visit a small business they’ve never purchased from this holiday season.

Whether you’re a retailer, service provider or B2B – the first step is making your business top of mind.

Holiday Shopping Promotional Ideas for Local Businesses

Need inspiration? Here’s how to get people to think of your business when they shop local for the holidays.

Discounts, Deals and Giveaways

  • Offer a coupon: Your customers won’t expect you to slash prices like the big box stores, but a modest percent-off can be a smart gesture to get folks in the door.
  • Donation discount: Offer a coupon, bonus gift or free upgrade for customers who bring in an item to donate to a charity of your choice.
  • Gift card promotion: Perfect for stocking stuffers! Offer a free gift card in a smaller amount for those who buy a larger one – say, a free $10 card for every $50 in gift cards purchased, or $25 for every $100.
  • Ask for referrals: Have your satisfied customers do the word-of-mouth marketing for you. Reach out to your customer list via email, text or phone. Then, offer a limited-time, special holiday rate for those who buy or book with you by referral.
  • Host a contest: Everyone loves winning prizes! Host a fun and interactive promotion to win a gift basket, free service or cash prize. Whether it’s 12 days of trivia; guess the gumdrops in the jar; or a holiday decorating photo contest – get creative, and get your customers involved.
  • Start a loyalty program: Launch a punch card or points system to reward customers who keep coming back. Even after the holidays are over, they can reap rewards all year long.

Go Digital

  • Website, local listings and social media: Don’t forget the basics! Make sure your overall digital presence reflects any changes in hours, services or ongoing promotions for the holidays.
  • Use relevant hashtags: Hashtags make your social media posts more visible by joining a larger conversation. National “buy local” campaigns include #ShopSmall and #SmallBizSat. See if your local city, chamber of commerce or shopping plaza has a hashtag for local conversations, too.

Spread Holiday Cheer

  • Send holiday greetings: Reach out to current customers or prospects on your contact list with a festive postcard, greeting card or e-card to stay top of mind.
  • Make your products gift-able: Package your best-selling products into ready-made baskets for easy gifting. Couple that with a “gift guide” roundup highlighting products on your website or social media. Not a retailer? Offer gift cards or certificates for your services in festive packaging.
  • Start a donation drive: Make your business a drop-off location for donations to a local food bank, animal shelter, Toys for Tots or other local charity. (Bonus: A donation drop-off makes for a great photo op or local news story after the fact, too.)

Think Local

  • Buddy up: Double your reach by collaborating with another local shop. Get creative! For example – a restaurant could partner with a local florist to offer add-on arrangements for holiday takeout meals; or a day spa could sell a limited-edition scent of a locally made candle. Don’t be afraid to think outside your industry if you’re both marketing to a similar clientele.
  • Check with local leaders: See if you can tap into anything planned by your city or local chamber of commerce, such as special events or a local shopping guide.
  • Host an event: Generate buzz with a sidewalk sale, holiday art show or light display.
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OPEN for Business

6 Common Business Insurance Questions

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As an entrepreneur, you’ve got a lot on your plate. Building your business plan. Securing funding. Setting sales goals. Finding new customers. Keeping track of your finances… The list goes on and on.

With so much to get done, chances are buying a business insurance policy isn’t high on your list. To make matters worse, it’s a common misconception that insuring your business isn’t really necessary when you’re just starting out.

But the truth is, every business needs insurance – even startups. It’s a simple step you can take to protect the company you’re working so hard to build. And it can cost less than you may think.

As an entrepreneur, you’ve got a lot on your plate. Building your business plan. Securing funding. Setting sales goals. Finding new customers. Keeping track of your finances… The list goes on and on.

With so much to get done, chances are buying a business insurance policy isn’t high on your list. To make matters worse, it’s a common misconception that insuring your business isn’t really necessary when you’re just starting out.

But the truth is, every business needs insurance – even startups. It’s a simple step you can take to protect the company you’re working so hard to build. And it can cost less than you may think.

To help you understand why business insurance is so important, here are answers to some of the most common questions about insuring a new business or startup.

Why Do I Need Business Insurance?

Like any type of insurance policy, business insurance is designed to help protect you against risk. And there’s no shortage of risks that businesses face – especially new businesses and startups. If you open a physical office or location, someone could file a lawsuit after getting injured on your property. If a client is unhappy with your work, they could sue you for negligence. Your product inventory could get damaged or stolen. Without the proper insurance coverage, your business would be on the hook for all of these unexpected expenses. And if you’re just starting out, that added cost could put you out of business entirely.

When Should I Buy Insurance for My New Business?

When your business is still in the early planning phases, there’s probably not much that needs protecting. But as your startup dreams turn into reality and you make your first sale, it’s wise to look into a business insurance policy. Business insurance can help protect against everything from property damage to liability claims from customers and employees. So, buying a policy early in the life of your business will offer the best protection from the start. Speaking of employees, as soon as you hire your first employee you’ll be legally required to carry workers’ compensation insurance. This insurance helps cover medical care and lost wages for an employee who is hurt at work.

Do I Need Business Insurance for a Home-Based Business?

If your business is starting out in your basement, home office or garage, you may think that business insurance is unnecessary. But just because you’re working out of your home doesn’t mean you’ll be covered by your homeowners insurance. Most homeowners and renters policies only go so far and aren’t designed to cover things like destroyed business inventory or customer injuries. For example, if you’re a photographer and your high-end camera equipment is damaged by a water leak, your homeowners coverage might be limited to $500 or $1,000 for equipment used exclusively for a business. And if a client trips down the stairs to your basement office, your homeowners policy wouldn’t cover a premises liability claim because they are a business client. Business insurance, owever, would protect you in both these instances – and more.

What Type of Business Insurance do I Need?

The type of insurance you need for your startup will largely depend on the specific business or industry you’re in. That’s why Erie Insurance offers business insurance packages that are tailored to your specific industry. But generally, you may want to consider:

  • Commercial auto insurance: Whether you rely on a single car or a large fleet of vehicles, commercial auto insurance is something many businesses need. This coverage can protect your business against claims for bodily injury and property damage caused by a covered accident arising out of the use of a company vehicle.
  • Commercial property insurance: Commercial property insurance helps protect the building or physical location you work in, whether it’s owned with property coverage or leased with liability coverage for damage that’s your fault. It could also replace damaged or stolen assets like equipment and product inventory. Some policies, like business interruption coverage, can even help recover any income you lost while your doors were closed due to a covered loss.
  • General liability insurance: While specific liabilities may vary from business to business, a general liability policy protects you against covered claims alleging bodily injury or property damage.
  • Employment Practices Liability (EPL): Legal issues stemming from alleged discrimination, wrongful termination and harassment are growing concerns for today’s small business owner. With EPL coverage from ERIE, you can choose the protection that best fits your needs to help cover the costs of a lawsuit – even if the charges aren’t true.
  • Cyber Suite: Protection for cyber incidents isn’t just for large businesses. With Cyber Suite1 from ERIE, you’ll be prepared to respond to a wide range of cyber incidents including breaches of personally identifying or sensitive information and threats that could jeopardize the safety of that information.
  • Workers’ compensation insurance: Often referred to as workers’ comp, this policy is legally required in most states if you hire employees. It helps cover medical care and lost wages for an employee who is hurt at work and cannot return (not available in Ohio).
  • Business umbrella policy: No matter how careful you or your employees are, mistakes and accidents, unfortunately, do happen. That’s why many business owners make the smart decision to protect themselves with extra business liability insurance. ERIE’s business umbrella is an additional layer of coverage that gives you extra protection and peace of mind above and beyond your commercial general liability, professional liability, business auto liability and employers liability insurance. (Check with your local ERIE agent about any sublimits that might apply.)

How do I Determine How Much Insurance Coverage I Need?

After figuring out what type of insurance you need, the next step is to decide how much coverage is enough to protect your growing business. Generally speaking, your coverage limits should match the level of risk your business will be exposed to. But that’s a difficult thing to figure out on your own. Fortunately, you can get customized advice from an ERIE agent in your neighborhood. As a member of your community, your local ERIE agent is uniquely positioned to understand the insurance needs of your business. They also know the risks associated with where you live, such as the local costs of construction and common claims.

How Can I Save Money on My Insurance Coverage?

Nearly every startup has one thing in common: money is tight. As a small business owner themselves, your local independent ERIE agent can help you find the right balance between price and protection. This process helps ensure that your policy provides all the coverage you need at a cost you can afford. Your ERIE agent can even help you take action to reduce risks in the first place with access to a risk control consultant. They’re a free resource to help you evaluate the potential risks your business faces and then recommend measures you can take to help reduce those risks – and potentially lower your premiums in the process.

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