But I thought I was doing so well!
I’ve been here for 30 years. You’re just telling me this now?
Susan comes in late every day, and she’s never been written up. What gives?
Let’s face it: If you’re a business owner or a manager, employee performance appraisals can be uncomfortable. No one likes to receive a “surprise” evaluation that they’re not performing well. What’s more, if you ignore a small issue with an employee now, it could eventually snowball into a bigger problem later… at worst, it could result in an employment lawsuit.
5 Ways to Address Poor Performance with an Employee
Having an established and documented employee performance review can help your business avoid costly discrimination lawsuits. If an employee is underperforming, here’s how to handle it.
- Be direct and honest. First things first: A poor performance review should never come as a “surprise.” Good managers address poor performance directly when it happens—and always with transparency and empathy.
- Be consistent. Consistency is key to avoiding claims of discrimination. Make sure you’re holding all your employees to the same standard. For example: If you discipline a low-performing employee for being late, don’t look the other way if a high-performing employee comes in late. (Related: Are you covered when an employee claims harassment or discrimination?)
- Keep it objective. Hold your employees to an objective standard that they know and have agreed to—for example, an attendance policy or employee handbook. Ensure there’s a legitimate business reason for discipline and avoid the temptation to provide overly subjective feedback.
- Write it down. Document every action you take during the disciplinary process, including verbal warnings. Writing it down gives you credibility and lets the employee know the specifics of how to improve their performance and what consequences are at stake if they don’t. For serious or final warnings, ask your employee to sign and date the document and add a space for them to comment with feedback.
- Know when to ask for help. If you feel over your head, reach out to a trusted mentor who has handled employee conduct issues before. And if things get really complicated, contact a human resources or legal professional who knows the ins and outs of employment law.
How can I protect my business against discrimination or harassment lawsuits?
Imagine a worst-case scenario: An employee sues your business for sexual harassment or discrimination (for example, on the basis of age, sex, race or disability). Unfortunately, these types of lawsuits do happen and even if the allegations are found to be groundless, responding to charges like these can cost thousands of dollars.
You can help protect your business by adding Employment Practices Liability (EPL) coverage to your business insurance policy. Most standard EPL insurance policies offer a measure of protection against lawsuits brought against your business by employees alleging wrongful acts (sexual harassment or discrimination) or wrongful termination. You can purchase and add the coverage to your business policy as an endorsement. Learn more about our custom solutions for business insurance.
Let’s talk liability
Watch this quick video on how EPL coverage works, or contact a local Erie Insurance agent to explain what type of coverage is best for your business.
Posted on 29 November 2020 | 9:00 pm
New or Used: Which should you choose?
If you think you might be among those shopping for a brand-new vehicle, consider a few pros and cons first:
Pros and Cons of Buying a New Car
Also, know that a new car isn’t out of the question if you’re shopping largely on price.
“Most people think used cars are less expensive, but that’s not always the case,” says Ron Montoya, senior consumer advice editor at edmunds.com . “Many used vehicles are priced high because of shortages due to people keeping cars longer in tough times. This makes their prices comparable to new cars.”
Before you go through with a new car purchase, keep these things in mind:
- Rebates: Many car manufacturers offer rebates on new cars, so ask your dealer about them.
- Costs and fees: Check your invoice for added costs or fees and talk to the dealer if you see things you didn’t request such as fabric or rust protection. Some dealerships charge destination charges to deliver your car to the dealership – but some will waive it if you ask.
- Safety features: They’re only valuable if you actually use them. Our recent survey found that a surprising amount of drivers turn off car technology that could help keep them safe on the road.
- Protecting your investment: What happens if you total your car but still owe more on the loan than what it’s worth? Talk to your local insurance agent about protecting your investment with the New Auto Security endorsement* for just a few extra dollars per month.
Is buying a used car worth it?
As the prices of new vehicles continue to rise, used car shopping is increasing. Here are some things to consider if a used vehicle catches your eye.
Pros and Cons of Buying a Used Car
A few more tips when buying a used vehicle:
- Research the vehicle’s history. Many dealerships offer CarFax® vehicle history reports to give you peace of mind. “All vehicles have issues,” Montoya says. “Finding out what you can deal with is the key.”
- Ask about a warranty. Some used cars come with the factory warranty while some don’t. It’s better to ask than to assume.
- Beware of the extended warranty. Many dealerships offer them (but not all buyers need one) while other certified used vehicles come with an existing warranty. Depending on the deal, you may be better off saving for maintenance expenses than shelling out money for an extended warranty.
Comparing Costs of New vs. Used Cars
Let’s take a closer look at what affects the cost of buying a new (or new to you) ride.
- The value of the vehicle itself: Resources like edmunds.com and the Kelley Blue Book are very helpful in assessing the value of a vehicle.
- Upkeep, parts and repair: Don’t forget to consider upkeep and repair costs if you’re buying used and looking at a luxury or foreign vehicle as opposed to a domestic one. Parts may be more expensive if they have to be shipped overseas, and labor costs can also be higher (not to mention you may have to start filling up with premium gas).
- Taxes and registration fees: Whether buying or leasing, be sure you’re prepared to pay taxes and registration fees, which can amount to thousands of dollars depending on the final cost of your vehicle. And always get the facts. Don’t forget to do your research on a fair price for the vehicle you’re interested in, too.
- Price of auto insurance: Ever wonder what’s cheaper – insuring new cars or old ones? Don’t overlook the help your ERIE agent can give you about the final price of a vehicle, how to properly insure it and what the difference in insurance will be if you’re deciding among several makes and models. Read more about what determines the price of your auto insurance.
Should I buy my car online?
Purchasing a car online has always been an option through forums like Craigslist, eBay Motors and Facebook Marketplace. Now, more vehicle sellers like Carvana and Tesla are utilizing this platform as well.
There are some pros and cons to purchasing your car online, and it’s good to be aware of them before you go that route. They include things like:
Buying a Car Online: Pros and Cons
Another thing to consider: When you buy from a local business in your community – such as a car dealership – the impact of your purchase stays local by strengthening the local economy and creating jobs. (The American Independent Business Alliance calls that the "multiplier effect.") When you buy from a local dealer, you also get a go-to local professional for any follow-up questions that arise about your new ride once you’re on the road.
For a deeper look at this topic, read our article on
what to know about buying a car online.
Car Insurance to Fit Your Needs
No matter which route you go to purchase new (or new to you) ride, it’s important to protect your new purchase.
*Vehicle is considered new when less than two years old and you are the original owner. Eligible vehicles must carry both comprehensive and collision coverage and replacement must be made with a comparable model. The endorsement is sold on a per vehicle basis, not per policy and contains the specific details of the coverages, terms, conditions and exclusions. New vehicle replacement and better vehicle replacement do not apply to leased vehicles. Only auto lease/loan security applies to a leased vehicle. When payment is made under new vehicle replacement or better vehicle replacement, auto lease/loan coverage will not apply. Coverage is not available in all states. Insurance products are subject to terms, conditions and exclusions not described here. Coverage does not include items such as overdue payments and carry-over balances from previous leases/loans, etc. Ask your agent for details.
Have you ever wondered if it’s better to buy a new or used car? (Either way, don’t forget to do your research on auto insurance while you’re at it.)
There are pros and cons to each, and every person’s situation is different. Here’s what to consider.
Posted on 23 November 2020 | 9:00 pm
How does a patio heater work?
Unlike an outdoor fire pit, you don’t have to huddle around a patio heater to get warm. They’re specifically designed to radiate heat outward where people are gathered. To generate heat, Patio heaters have different fuel sources – usually propane, electric or natural gas. (Keep reading to find out how to choose which one is right for you.)
Where can I use a patio heater?
Because natural gas and propane heaters use an open flame to generate heat, they can be used in well-ventilated outdoor spaces like patios, terraces, gardens, and outdoor porches or decks.
For safety, don’t use a patio heater in an enclosed area like a building or garage, or too close to the ceiling of a covered deck or patio. Using your patio heater in a poorly ventilated area could be a fire risk, or lead to suffocation or poisoning from toxic carbon monoxide fumes. Experts recommend keeping at least a three-foot clearance around your heater, unless specified otherwise by the manufacturer.
How much does a patio heater cost?
Like other household appliances, the price you’ll pay for an outdoor patio heater will vary depending on its size and quality. A small electric tabletop heater can be purchased for as low as $100, while large commercial-style gas heaters can cost $500 or more.
What size patio heater do I need?
The heat output of a patio heater is measured in “British Thermal Units,” or BTUs. The technical definition of a BTU is this: the amount of energy that’s required to raise the temperature of one pound of water by one degree Fahrenheit.
Confused? In common terms, a BTU is just a uniform way to measure heat output. More BTUs = more heat. It really is that simple. And every patio heater on the market will have a BTU rating that’s supplied by the manufacturer.
To calculate the right size heater for your space, try this quick math formula: Just multiply the size of your space (in cubic feet) by the desired temperature increase.
For example, raising the temperature of a 10-by-10 foot patio by 40 degrees Fahrenheit – assuming an 8 foot heater height – would require a 32,000 BTU heater (10x10x8x40=32,000). Hint: if you’re not great at math, a square footage range is often provided by the heater’s manufacturer.
What type of patio heater should I buy?
When it comes to purchasing an outdoor patio heater, you’ll choose from three main fuel sources. There’s no right or wrong choice, and each fuel source has its pros and cons. Here’s some information to help you choose a patio heater for your home.
- Propane patio heaters: These patio heaters work similarly to a propane barbecue grill. They are the most portable heater option because the fuel is supplied through a metal propane tank. But that also means the heater will shut off when you’re out of gas. For a 40,000 BTU patio heater, a full 5-gallon propane cylinder will last around 10 hours – so plan accordingly.
- Electric patio heaters: As the only non-gas option, electric patio heaters don’t need to be ventilated because there’s no open flame. This can make them great for areas such as covered decks and porches. Because they function like a space heater, they can be permanently mounted below a ceiling, too (just be sure to follow the manufacturer’s specific installation instructions). An electric heater will put out far less heat than a gas patio heater, maxing out at around 5,000 BTUs. But because it’s infrared heat, they’re said to provide a more comfortable feeling of warmth.
- Natural gas patio heaters: Like a direct line gas grill, much of a natural gas patio heater’s appeal comes from the fact that you’ll never run out of fuel. Because they’re hooked into your home’s natural gas line, these heaters are the least expensive to operate – but they do need to be permanently installed by a professional. Overall, you get the benefits of a propane heater without lugging around heavy propane tanks. However, they’re less portable and the initial cost will be higher.
Are patio heaters safe?
When used correctly, patio heaters offer a safe way to heat your favorite outdoor spaces. But like any home heating source, they can be dangerous if not used correctly. Always follow the manufacturer’s instructions, and never leave a patio heater unattended.
Here are some tips to ensure your patio heater is being used safely:
- Give it space. Over time, your patio heater will generate a lot of heat. (That’s why you bought it, right?) To prevent fire hazards, keep your heater a safe distance away from walls, ceilings, furniture, carpet or any other flammable material. Experts recommend providing three feet of clearance around all sides of the heater, unless otherwise specified by the heater’s manufacturer.
- Find a level spot. Only use your patio heater on a flat, level surface. Placing your heater on an incline could cause it to roll or tip over, creating both a fire and burn hazard.
- Check for leaks. When setting up a natural gas or propane patio heater, always conduct a thorough inspection to ensure there are no gas leaks. You can do this by applying a soapy water solution to your gas tank and hose connections. If you see bubbles rising from any connection points or smell gas, turn off the heater and tighten the connections. If you can’t stop the leak, get your heater serviced before using it.
- Light it safely. When lighting up a gas patio heater, always follow the manufacturer’s instructions. While most heaters have an electric ignitor button, others may require you to light the pilot manually. If so, use a candle or grill lighter that allows you to start the flame from a safe distance. If you can’t get the burner to light right away, turn off the heater and wait at least five minutes. Then try again. This will prevent gas buildup, which could lead to an explosion or flash burn.
- Keep a fire extinguisher nearby. Even if you follow every safety precaution, accidents can still happen. That’s why it’s wise to always keep a fire extinguisher nearby. Just make sure the fire extinguisher you buy is the right class for your patio heater’s fuel source (Class B for gas; Class C for electric; or a multipurpose extinguisher for both).
- Watch it carefully. Never leave a patio heater running while unattended. Be sure to keep kids and pets a safe distance away at all times to prevent burns. And avoid using your heater when winds exceed 10 miles per hour – the heater could blow over, or the flame could blow out.
- Cover it up. Patio heaters are designed to be weather-resistant. But over time, your heater may develop problems if it’s left out in the elements. Correctly storing your heater when it’s not in use will prevent it from getting clogged with bugs and debris, and also prevent rust. You can purchase a custom cover to protect your heater when it’s not being used. And if you won’t be using it for several months, it’s a good idea to disassemble it and store the heater indoors. Just be sure to leave the propane tank outside. Propane should never be stored indoors — even in a shed or garage.
Be ready in any weather
If 2020 has taught us anything, it’s that life is rarely predictable. For whatever’s in store, we’re with you on the journey. We’re flexible when circumstances change, steady when the unexpected happens, capable when help is needed and optimistic about what the future holds. To learn how we can help protect your home with the right homeowners insurance, talk to a local ERIE agent in your neighborhood today.
For many Americans, 2020 has been a year marked by more time spent outdoors. And while we all love to get out and enjoy the fresh air, the real reason is obvious: COVID-19.
According to the Centers for Disease Control and Prevention (CDC), the virus is more easily spread indoors than outdoors. And if you’re like many homeowners, you’re looking for ways to stay comfortable outdoors as the temperature drops.
One solution: outdoor heaters. These handy appliances are finding their way onto restaurant patios and backyard decks everywhere (so, good luck finding one!). A sight once reserved for ski lodges, a patio heater can be a great way to get even more use out of your favorite outdoor spaces. Here’s what you need to know before you buy a patio heater.
Posted on 22 November 2020 | 9:00 pm
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.
This year, though, the COVID-19 pandemic has thrown a wrench into… well, just about everything. And that includes consumers’ holiday shopping plans.
A recent survey from SYKES found that 76% of respondents plan to avoid crowded malls this holiday season. What’s more, 1 in 5 people are intent on supporting local businesses more than the big guys.
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.
- 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.
- Contact-free purchase options: During COVID-19, many customers are looking for ways to reduce exposure. Consider offering touchless payment or an online store (even with limited inventory). Even if it’s just for the holidays, free curbside pickup or local delivery in a small radius around your store can build customer loyalty, too.
- 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.)
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 socially distant sidewalk sale, holiday art show or light display. Keep COVID-19 health and safety guidance in mind, of course – or make it a virtual event through social media or video conferencing.
Business Insurance from Local Pros Who Care
Your local ERIE agent knows small business because they are a small business. If you haven’t had your coverage reviewed recently, now is a great time to check in before year’s end.
Posted on 19 November 2020 | 9:00 pm
- How much life insurance do I need, anyway? A number of factors – including your age, debts, monthly expenses and number of children – can influence how much life insurance you may need to comfortably plan for your future. A local insurance professional like an ERIE agent can give you a free quote based on your unique needs. As a general rule of thumb, the experts at LifeHappens.org recommend purchasing a policy worth 10 to 15 times your gross income. Try out our free life insurance calculator for a private, no-obligation estimate you can do right at home.
- Isn’t life insurance really expensive? Purchasing an insurance policy worth hundreds of thousands of dollars may sound like an expensive proposition. But the truth is, life insurance is more affordable than you may think. With Erie Family Life, a $250,000 life insurance policy could cost less than $15 a month1.
- Do I need a medical exam to purchase life insurance? Not always, but do expect to answer certain questions. Generally speaking, it’s more likely you’ll need an exam as your age and/or the amount of coverage requested increases. For some life insurance policies, your insurer will require a brief medical exam, more commonly referred to as a paramedical exam. It’s similar to a basic physical. A paramedical exam professional will measure vitals like your height, weight, temperature and blood pressure. You’ll also have to have blood drawn and a urinalysis test completed.
- Can I purchase life insurance without a health exam? Not all life policies require you to get a paramedical exam. Life policies below $100,000 typically require you to only complete an application (with the help of your agent) before it is reviewed by an underwriter2. Looking for more coverage? Ask your local agent about ERIExpress Life. If you’re between the ages of 18-55, you may be able to get an instant-issue term or whole life policy with up to $500,000 in coverage by answering several application questions without having to complete a life insurance paramedical medical exam 2.
- Why should I think about life insurance if I’m young and healthy? Life insurance is a smart purchase at any age. Even if no one depends on your monthly income, a life insurance policy will cover your funeral expenses and debts — including student loans. And there’s another advantage of purchasing a policy at a young age: lower rates. Because insurers price policies based on risk (and young people have a far lower mortality rate than older groups), your rates are generally less expensive if you’re young and healthy. Buying a policy when you’re young and healthy makes it easier for you to buy more coverage in the future. Plus, you’ll have a policy (locked in at a great rate) now, should you ever need it.
- I have a policy through work. Isn’t that enough? As part of an overall benefits package, many employers offer some form of life insurance coverage to their employees. Since this coverage is typically paid for by the employer, it’s a great benefit to have. But it’s still wise to hold your own personal life insurance policy. There are a few reasons for this. First, the coverage provided by your employer might not be enough to support your family in the event of your death. Employer-provided life insurance often covers you for a low set amount — like $50,000. Additionally, your coverage will be lost if you take another job or find yourself unemployed. Read more in our related story on why it matters to have life insurance outside of work.
- I don’t work outside the home. Why should I think about life insurance? Being a stay-at-home parent is a full-time job. And while your work may not generate an income, it does significantly reduce your household expenses. Think of all the extra costs associated with child care, transportation and meal preparation that would be incurred if you were no longer around. Just because you don’t bring home a paycheck doesn’t mean you aren’t making a significant contribution to your family’s bottom line. Read more about life insurance for stay-at-home parents.
- What’s the difference between term and permanent life insurance? Term life insuranceprovides coverage over a fixed period of time. Term life insurance is a cost-effective option to provide protection for the loved ones you leave behind. With this type of policy, you can select a term that will cover you when you need it most — such as the time it will take your children to reach adulthood. Permanent policies, such as whole life policies, provide coverage over your entire lifetime.2 That means your family and beneficiaries are covered for the duration of your life. Whole life insurance accumulates cash value, too, providing you the option of borrowing against it in the future.3
- I’m a rock climber. Can you still cover me? Assessing risk is a key component of underwriting a life insurance policy. Dangerous hobbies — like skydiving, rock climbing or vehicle racing — make you inherently riskier to insure. However, just because you’re an adrenaline junkie doesn’t automatically mean you can’t get life insurance. Before giving you a quote, your insurance agent may ask you to fill out a written questionnaire to understand more about your hobby. In many cases, you’ll still be able to get insurance. Just expect to pay a little extra to account for the additional risk.
- Can I “stretch the truth” a little in my life insurance application to get a better rate? When applying for a life insurance policy, you’ll get asked questions about your occupation, health, family medical history and potentially risky hobbies. While your answers to these questions may impact your insurance rates, you should always answer them truthfully. Misrepresenting your health status or other important information in your application could result in negative consequences that might affect your coverage.
- Couldn’t my family just crowdfund my final expenses if I pass away unexpectedly? Websites like GoFundMe provide a platform for users to ask for online donations to cover funeral and burial costs, or to fund other memorial wishes in honor of a loved one who passed. But crowdfunding is no substitution for life insurance. Unlike a life insurance policy, the amount of money you’ll raise is totally unpredictable — and may be further reduced by fees and taxes.
- What is a life insurance beneficiary? A beneficiary is a person or entity designated to receive the funds from your life insurance policy in the event of your death. Your beneficiary can be a person, business, trust, charity, church or even a school. An insurance policy can have more than one beneficiary.
- How do I choose a beneficiary? Choosing a life insurance beneficiary depends largely on how you’d like your life insurance benefit to be used upon your death. If you have young children, naming a spouse or close family member you trust as your beneficiary and memorializing your wishes may be one way to provide for your children’s care in your absence. Grown children could use the insurance benefit to help pay for college. Ask your ERIE agent about how to leave your benefit to a charity, school or church. In those cases, it’s recommended to have your gift be consistent with an established pattern of giving or support. Read our related article on how to choose a life insurance beneficiary.
- Could I be the beneficiary of a long-lost life insurance policy? It’s estimated that $1 billion in benefits from forgotten and lost life insurance policies are sitting unclaimed in America. In light of that statistic, it’s possible you could be a beneficiary to a life insurance policy that you’re unaware of. Organizations like the National Association of Unclaimed Property Administrators, which operates missingmoney.com, allow you to conduct a quick search online. Learn more in our related blog story on how to locate a lost life insurance policy.
- I don’t have kids. Why should I think about life insurance? The need for life insurance isn’t limited to parents. Whether you’re entering adulthood or nearing retirement, everyone can benefit from owning a life insurance policy. Beyond providing for children, a life insurance benefit can be used to cover expenses like funeral costs or pay off any outstanding debts.
We’re here for you
When you’re busy taking care of others, a trusted partner can anticipate your needs and help shoulder the load. And when It comes to life insurance, we’re here for you. Your local agent can help you consider the variables, lay out the options and make the process comfortable and efficient.
Learn more about life insurance options from Erie Family Life or talk to your local ERIE agent for a free quote.
1 Eligibility will be determined at the time of application based upon applicable underwriting guidelines and rules in effect at that time.
2 Individual exam requirements vary by company based on age and the amount of coverage. Your Agent can help you determine if you need one. Exams can also be ordered at the underwriter’s discretion.
3 Coverage can lapse or guaranteed death benefit can expire if no premiums are paid following initial premium, if subsequent premiums are insufficient, or if account value is reduced by withdrawal or loan.
ERIE® life insurance products and services are provided by Erie Family Life Insurance Company (home office: Erie, Pennsylvania). Erie Family Life Insurance Company is not licensed to operate in all states. Go to erieinsurance.com for company licensure information.
Life isn’t one-size-fits-all – and neither is life insurance.
Planning for the future can feel exciting and scary at the same time. Whether you’re buying your very first policy or planning for the next chapter of your legacy, it’s common to have questions.
Here are some common questions you might be wondering. (Want a more personalized answer – or a quote? Talk to your local ERIE agent.)
Posted on 3 November 2020 | 9:00 pm