Payne & Garlow Insurance Agency, Inc
November 2010

Let Us Give Thanks!

The Seven Wonders of Life Insurance

Sept. 7, 2010 - September was Life Insurance Awareness Month, the perfect time to think about all the wondrous things that life insurance can do for you and your family. Life insurance can: Buy time - Allows loved ones to focus on their grief by helping to pay for the funeral and other final expenses. Provide a fresh start - Lets loved ones start with a clean slate by helping to pay off credit card bills, outstanding loans, and even the mortgage. Generate income - Helps replace lost income for years to come so that surviving family members can continue to pay for life’s necessities. Offer flexibility - Gives a surviving spouse the chance to take time off from work or to switch to a job that offers a more flexible work schedule. <Read More>

"I told my son and his friends not to run
around the pool with flippers on their feet.
I turned my back, and sure enough...what
was bound to happen, happened..."

Isn’t it amazing how you try to be a responsible parent, but sometimes nothing you do or say has any effect? For times like these, it is nice to have a little backup. At ERIE, we wanted to call this "I Never Thought it Would Happen To Me" coverage, which is all about being safe and not sorry later. ERIE’s personal castrophe liability policy, Mastercover comes with these very handy features: Protection for the actions of covered family members... <Read More>


"Childproofing Your Home"

Child safety devices are an important aid to parental supervision. Here are 12 child safety devices that will help keep your home and children safe. Use SAFETY LATCHES AND LOCKS, for cabinets and drawers in kitchens, bathrooms, and other areas to help prevent poisoning and other injuries. Use SAFETY GATES, to prevent falls down the stairs and to keep children away from dangerous areas. Use DOOR KNOB COVERS AND DOOR LOCKS... <Read More>

Teen Tip: Safe Car Picks

The best car for teens may be one they wouldn’t be caught dead in - like the car their grandparents are driving. That’s right, the safest cars for accident-prone or young teens are newer mid-sized and large models with all the latest safety features. The Insurance Institute for Highway Safety suggests parents avoid putting their teens in vehicles with high-performance images such as SUVs, which tend to be unstable because of higher centers of gravity. Also on the list of cars to avoid are... <Read More>


Business of the Month - McBrayer Electric

McBrayer Electric was started in March of 1986 by owner Dee McBrayer, and is a member of IBEW Local 466. The office is staffed by three full time employees: Dee, his wife Barbara, and electrician/estimator David (Mongo) Spangler. Located in St Albans, the company operates mostly in the greater Charleston metro area. The scope of work done by McBrayer Electric is largely commercial including such projects as: Mountain View Elementary School in Teays Valley, City National Bank, Frank Theater, G & G Builders office, and... <Read More>

"You work hard to grow your business.
We work hard to protect it."

With an Erie Insurance commercial policy you can take comfort knowing your business is protected with coverage customized just for you. We’ve got coverage for your property, vehicles, plus products like liability insurance, workers’ compensation, and group life. With this coverage you get: A loss control specialist, who can help you make your workplace safe for employees (and customers too). A local agent to help you figure out your needs, understand your policies, and answer your questions. <Read More>


Laugh of the Month

My dog is worried about the economy because Alpo is up to $3.00 a can. That's almost $21.00 in dog money. - Joe Weinstein

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Payne & Garlow Insurance Agency, Inc