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Short Associates Insurance Agency

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Commercial Auto Insurance

Extra protection coverages that are included that you may not think of: physical damage, loss of earnings, lawyer fees, bail bonds, coverage for all expenses necessary to return your stolen vehicle, transportation expense, sound equipment if permanently installed in other than dash or console. There are limitations to these coverages which we would discuss with you in detail. [... read more]

 
Category: Commercial Vehicle
     

     

Juvenile Life Policies

As children grow up to be adults, many times their life insurance coverage needs to be reviewd. A $25,000 life insurance policy that was adequate as a child, may not be adequate as an adult. [... read more]

 
Category: Personal Insurance
     

     

Commercial Business Insurnace

In addition to covering your buildings, business insurance includes permanent attachements to the buildings, building equipment and fixtures servicing the premises, personal property you have for the service and maintenance of the building. Your business and personal property of others will be protected by this policy as long as it is located in or on your premises or within 1500 feet of your building. [... read more]

 
Category: Commercial
     

     

Prescription Drug Plans (PDP)

We are currently running computerized illustrations for all clients who want to find the PDP plan that best fits their current needs. We need the list of your prescriptions, their dosages, and how many you take in a 30 day period. [... read more]

 
Category: Personal Insurance
     

     

Medicare Advantage Plans (PFF)

Medicare advantage or Private-Fee-For-Service (PFFS)plans are available in certain counties in Indiana and other states. These plans give you an alternative to traditional medicare supplements and their standardized plans. [... read more]

 
Category: Personal Insurance
     

     

An Ounce of Prevention Could Save You $5,000

Water is the single most common cause of household damage, according to a nationwide analysis of Safeco Insurance. From 002-2004, 30% of home water damage claims resulted form appliance failure and another 62% from faulty plumbing systems. [... read more]

 
Category: Home Insurance
     

     

At Home Daycare

Child care providers risk three types of financial loss: injuries, lawsuits and court costs/attorney fees. If a child is injured, a day cre provider may have to pay the victim's hospital and doctor bills. [... read more]

 
Category: Home-Based Business
     

     

Dozy Drivers

Did you ever arrive at a destinatino so tired from the drive that you didn't even remember it? If you answer yes, you are not alone. The National Sleep Foundation (2000) reports that 51% of the nation's drivers have driven when they were sleepy. [... read more]

 
Category: Vehicle Insurance
     

     

Deer Advisory

DID YOU KNOW THAT EACH YEAR DEER COLLISIONS ACCOUNT FOR OVER 1.5 MILLION ACCIDENTS? BETWEEN OCTOBER AND DECEMBER, THE RISK OF COLLIDING WITH A DEER IS INCREASED. [... read more]

 
Category: Vehicle Insurance
     

     

PFFS Eligibility

A PERSON BECOMES ELIGIBLE FOR A PFFS PLAN AFTER THEY TURN 65 AND ARE ENROLLED BOTH IN PARTS A & B OF MEDICARE. TO BE ELIGIBLE, YOU ALSO NEED TO LIVE IN CERTAIN SERVICE AREAS (COUNTIES) AND NOT HAVE END-STAGE-RENAL-FAILURE (KIDNEY DIALYSIS). [... read more]

 
Category: Personal Insurance
     

     

PFFS Enrollment

A PERSON CAN ENROLL IN A PFFS PLAN DURING YOUR (OEP) OPEN ENROLLMENT PERIOD, THE PERIOD 3 MONTHS BEFORE AND 3 MONTHS AFTER YOU BECOME ELIGIBLE FOR MEDICARE PART B. YOU CAN ALSO ENROLL OR CHANGE PFFS PLANS DURING THE (AEP), ANNUAL ENROLLMENT PERIOD, WHICH RUNS FROM NOVEMBER 15 -DECEMBER 31 OF EACH YEAR FOR A JANUANRY 1 EFFECTIVE DATE. [... read more]

 
Category: Personal Insurance
     

     

Health Savings Accounts

IF YOU HAVE A QUALIFIED HIGH DEDUCTIBLE HEALTH PLAN, YOU ARE ELIGIBLE TO START A HEALTH SAVINGS ACCOUNT (HSA). AN HSA ALLOWS YOU TO HAVE THE ABILITY TO BETTER MANAGE AND CONTROL YOUR HEALTH CARE DOLLARS. [... read more]

 
Category: Personal Insurance
     

     

Medicare Suplements

THESE PLANS ARE INTENDED FOR PEOPLE AGE 65 AND OLDER AND WHO ARE ENROLLED IN PARTS A AND B OF MEDICARE. WE OFFER MOST MEDICARE STANDARDIZED PLANS THROUGH SEVERAL EXCELLENT INSURANCE CARRIERS. [... read more]

 
Category: Personal Insurance
     

     

Short Term Health Insurance

WE OFFER SHORT TERM MEDICAL EXPENSE POLICIES FOR THOSE BETWEEN JOBS, TEMPORARILY LAID OFF, OR WAITING FOR GROUP COVERAGE. WE ALSO OFFER SHORT-TERM INTERNATIONAL COVERAGE FOR THOSE OF YOU WHO ARE PLANNING TO SPEND TIME OVERSEAS. [... read more]

 
Category: Personal Insurance
     

     

Dental Plan

IF YOU ARE LOOKING FOR A DENTAL PLAN THAT OFFERS PREVENTIVE CARE, EITHER FREE OR WITH A SMALL CO-PAYMENT, AND PROVIDES UP TO 75% SAVINGS ON OTHER PROCEDURES, WE MAY HAVE A PLAN FOR YOU. PREEXISTING CONDITIONS ARE COVERED FROM THE START. [... read more]

 
Category: Personal Insurance
     

     

Searching for Affordable Group Major Medical?

We offer group health plans for groups with 2+ employees, with many available options. Employees can have the flexibility of deductibles, PRO networks, and out of pocket costs within a single plan. [... read more]

 
Category: Personal Insurance
     

     

The Changing Face of Caregivers in America

As society ages we are finding more often that adult children are becoming Caregivers to their aging parents. The majority of men and women reported having to modify schedules and miss some work because of caregiving responsibilities. [... read more]

 
Category: Personal Insurance
     

     

Three Legal Papers You Shouldn't Live Without

1. A durable power of attorney for health care - lets you name who will make medical decisions for you. [... read more]

 
Category: Personal Insurance
     

     

Top Five Causes of LTD

THE LEADING CAUSE OF LONG-TERM DISABILITY AMONG WORKING AGE AMERICANS WAS CANCER, ACCORDING TO CLAIMS SUBMITTED DURING 2001 TO UNUMPROVIDENT OF CHATTANOOGA TENNESSEE. UNUMPROVIDENT RECEIVES MORE THAN 400,000 NEW DISABILTY CLAIMS EACH YEAR, 25% OF WHICH INVOLVE LONG-TERM DISABILITY. [... read more]

 
Category: Personal Insurance
     

     

Four Key Reasons to Buy Long-Term Care Insurance

1. Preserve your assets for your family instead of spending the money on long-term care. [... read more]

 
Category: Personal Insurance
     

     

Are You Protecting Your Future?

Disability insurance (Dl), sometimes referred to as income protection, is exactly that. It protects your ability to earn a living. [... read more]

 
Category: Personal Insurance
     

     

Do You Think You Are Uninsurable?

Give us a call for a no cost obligation quote on life, health or disability insurance. We have several new insurance carriers and plans available, and we may be able to help you find insurance coverage. [... read more]

 
Category: Personal Insurance
     

     

Life Insurance

According to a recent LIMRA study, the top seven reasons people don't buy life insurance are:

1. I can't afford it. [... read more]

 
Category: Personal Insurance
     

     

Identity Theft

ADD IDENTITY THEFT RECOVERY COVERAGE ONTO YOUR HOME OWNERS POLICY FOR ONLY $20.00 PER YEAR!!!! THIS ENDORSEMENT PROVIDES COVERAGE FOR CASE MANAGEMENT SERVICES AND EXPENSE REIMBURSEMENT COVERAGE IF THERE HAS BEEN AN IDENTITY THEFT INVOLVING THE PERSONAL IDENTITY OF YOU, THE INSURED, FOR UP TO $25,000. [... read more]

 
Category: Personal Insurance
     

     

Home Safety

Next to your kitchen stove or a heater, your clothes dryer is a big fire risk. Try not to leave your home with the dryer running. [... read more]

 
Category: Personal Insurance
     

     

Renter's Insurance

Renter's insurance provides financial protection against the loss or destruction of your possessions when you rent a house or apartment. While your landlord may be sympathetic to a burglary you experience, a fire or loss of your possessions, it is almost never covered by your landlord's insurance. [... read more]

 
Category: Personal Insurance
     

     

They are Just Big Sweeeeeties!!!

Pets can be a joy to own. But no matter how cute and cuddly your pet may be, if your pet causes an accident, injures someone, or damages someone's property, you could be held liable. [... read more]

 
Category: Personal Insurance
     

     

Replacement Parts Denting Your Wallet?

REBUILDING A CAR WITH MANUFACTURES' REPLACEMENT PARTS COSTS MANY TIMES MORE THAN THE CARS ORIGINAL STICKER PRICE. ITíS POSSIBLE THAT A NEW CAR COSTING $25,000, REBUILDING IT WITH REPLACEMENT PARTS COULD COST OVER $75,000! THATíS NOT JUST TRUE WITH SOME MANUFACTURES; MANY MANUFACTURERS' REPLACEMENT PARTS CARRY HIGH PRICE TAGS. [... read more]

 
Category: Vehicle Insurance
     

     

Buckle Up!

Putting on a seat belt has become second nature to many people. Unfortunately, ignoring this task still takes the lives of many. [... read more]

 
Category: Vehicle Insurance
     

     

Parking Lot Accidents

INSURANCE INSTITUTE FOR HIGHWAY SAFETY REPORTS THAT 1 OUT OF 5 ACCIDENTS NATIONWIDE TAKES PLACE IN A PARKING LOT.. [... read more]

 
Category: Vehicle Insurance
     

     

What Does Water Damage Mean?

Flood, surface water, waves, tides, tidal waves or overflow of a body of water. We DO NOT cover spray from any of these, whether or not driven by wind. [... read more]

 
Category: Home Insurance
     

     

Tips to Teens to Avoid an Accident

1. Make sure you are really trained before driving. [... read more]

 
Category: Vehicle Insurance
     

     

Learning to Drive is a Privilege

Learning to drive is a privilege for teens, and their parents. Itís a time of exciting possibilities and achievements. [... read more]

 
Category: Vehicle Insurance
     

     

What Determines the Price of My Auto Policy?

1. YOUR DRIVING RECORD - THE BETTER YOUR RECORD, THE LOWER YOUR PREMIUM. [... read more]

 
Category: Vehicle Insurance
     

     

How can I save Money on My Auto Policy?

1. ASK FOR HIGHER DEDUCTIBLES Ė DEDUCTIBLES REPRESENT THE AMOUNT OF MONEY YOU PAY BEFORE YOUR INSURANCE POLICY KICKS IN. [... read more]

 
Category: Vehicle Insurance
     

     

Doing a Business Out of Your Home?

DO YOU HAVE AN INCIDENTAL BUSINESS YOU ARE RUNNING OUT OF YOUR HOME? SOME EXAMPLES: CHILD DAYCARE SERVICE, REAL ESTATE, MUSIC INSTRUCTOR, PHOTO STUDIO, TAXIDERMY, OR HOME PRODUCT DISTRIBUTOR? MISTAKENLY PEOPLE ASSUME THEIR HOMEOWNERS WILL AUTOMATICALLY COVER LOSSES THAT WOULD ARISE FROM THESE TYPES OF BUSINESSES. FORTUNATELY YOU CAN PURCHASE AN INCIDENTAL BUSINESS ENDORSEMENT THAT CAN BE ADDED ONTO YOUR HOMEOWNERS POLICY VERY INEXPENSIVELY. [... read more]

 
Category: Home-Based Business
     

     

The New Threat to Drivers

IT HAS BEEN ON T.V. [... read more]

 
Category: Vehicle Insurance
     

     

Pay-In-Full Premium Discount

ERIE IS OFFERING A 7% DISCOUNT FOR THOSE WHO ARE WILLING TO PAY THEIR PERSONAL AUTO POLICY INSURANCE PREMIUM IN FULL AND A 5% DISCOUNT ON THE 3-PAY PROGRAM FOR PERSONAL AUTO POLICIES. PLEASE CALL IF THIS IS SOMETHING YOU ARE INTERESTED IN. [... read more]

 
Category: Vehicle Insurance
     

     

Drivers Training

DRIVERS TRAINING IS HIGHLY RECOMMENDED!! DRIVERS TRAINING TEACHES NEW DRIVERS SKILLS THAT PARENTS WITH MANY YEARS OF DRIVING EXPERIENCE MAY FORGET TO TELL THEIR CHILDREN ABOUT. ALSO, THE DRIVERS TRAINING DISCOUNT IS AVAILABLE FOR QUALIFIED DRIVERS UP TO THE AGE OF 21. [... read more]

 
Category: Vehicle Insurance
     

     

Windshield Repair

HOLD A DOLLAR BILL UP TO THE BREAK OR CRACK ON YOUR WINDSHIELD. IF THE BILL COVERS THE DAMAGE THERE IS A GREAT LIKELIHOOD THAT IT CAN BE REPAIRED, IN MOST CASES WAIVING THE DEDUCTIBLE. [... read more]

 
Category: Vehicle Insurance
     

     

Rental Vehicles

WHEN RENTING A VEHICLE WHILE ON YOUR NEXT VACATION, GIVE US A CALL. YOUR COVERAGE MAY EXTEND TO YOUR RENTAL AND WILL SAVE YOU FROM HAVING TO BUY THE CAR RENTAL'S INSURANCE. [... read more]

 
Category: Vehicle Insurance
     

     

Miscellaneous Vehicles

THIS INCLUDES ATVS, MOTORCYCLES, BOATS/PERSONAL WATERCRAFTS, SNOWMOBILES AND GOLF CARTS. A TYPICAL HOMEOWNERS POLICY ONLY PROVIDES COVERAGE FOR AN OWNED OFF-ROAD VEHICLE WHEN IT IS USED TO SERVICE THE INSURED'S PROPERTY, LIKE A LAWN MOWER. [... read more]

 
Category: Vehicle Insurance
     

     

Tenant Coverage

RENTERS INSURANCE IS A VERY INEXPENSIVE PACKAGE OF PROTECTION. THIS POLICY INCLUDES COVERAGE FOR:

1. [... read more]

 
Category: Home Insurance
     

     

Motorcycles

IF YOU RIDE A CRUISER, STREET SPORT, TRIKE, CUSTOM OR EVEN DIRTBIKE, WE CAN INSURE IT PROVIDING COVERAGE FOR YEAR ROUND RIDING! COVERAGE CAN ALSO COVER CHROME ACCESSORIES, WHEELS AND CUSTOM PAINT JOBS. THIS COVERAGE CAN EVEN EXTEND TO ENGINE MODIFICATIONS, ELECTRONICS, PULL BEHIND TRAILER AND RIDING APPAREL. [... read more]

 
Category: Vehicle Insurance
     

     

Boats-Personal Watercrafts

WE CAN PROVIDE A PACKAGE POLICY FOR BOAT, MOTOR AND TRAILER. OFFERING A TOTAL LOSS REPLACEMENT COVERAGE FOR THE PURCHASE PRICE OF YOUR WATERCRAFT INCLUDING TAX AND TITLE FEES PAID AT THE TIME OF PURCHASE. [... read more]

 
Category: Vehicle Insurance
     

     

Snowmobiles

A TOY THAT IS SOMETIMES USED VERY LITTLE, BUT ONE NEEDING SPECIALIZED COVERAGE FOR SURE! FOR COVERAGE IN STATE AND OUT OF STATE.. [... read more]

 
Category: Vehicle Insurance
     

     

Recreational Vehicles

FROM YOUR POP-UP TENTS TO YOUR CUSTOM COACH, WE HAVE SPECIAL PROGRAMS FOR THEM ALL!!! OFFERING A WIDE RANGE OF PROTECTION FROM TOTAL LOSS REPLACEMENT, AGREED VALUE, TO ACTUAL CASH VALUE. WE EVEN COVER THE NEW TOY HAULERS WHICH COMBINE A TRAILER WITH LIVING QUARTERS. [... read more]

 
Category: Vehicle Insurance
     

     

 

 


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