E. R. Munro and Company

10/14/2026

Do your employees use their own vehicles to make deliveries, visit clients, or pick up office supplies? If they cause an accident while driving for work, your business could face a liability claim—even if you don’t own the vehicle.

Hired and non-owned auto liability coverage can help protect your business against liability arising from the business use of rented vehicles or vehicles owned by employees.

Keep in mind: This coverage generally does not pay for damage to the rented or employee-owned vehicle itself.

Contact us to discuss whether this coverage is right for your business.

10/08/2026

An email can look legitimate and still be a scam.

This Cybersecurity Awareness Month, watch for these phishing red flags:

🚩 A sender’s address that doesn’t match the company

🚩 Unexpected links or attachments

🚩 Pressure to act immediately

🚩 Requests for passwords, changes to payment details, or sensitive information

Something seem off? Contact the sender using a phone number or method you already trust, not the contact information in the email. Report suspicious messages according to your workplace’s procedures.

Good habits help protect your business. Reviewing your cyber liability coverage is another important step.

🌐 www.ermunro.com

10/05/2026

Don’t wait for a breach notice to think about identity protection.

Small habits—like securing your email, reviewing financial statements, and verifying unexpected security alerts—can help you protect your personal information and spot potential problems sooner.

Our new blog article, “Identity Protection Starts Before Something Goes Wrong,” explores practical ways to protect yourself, recognize warning signs, and respond with confidence.

Start with one step today.

Read the full article:
https://ermunro.com/blog/identity-protection-starts-before-something-goes-wrong/

Learn practical identity protection habits to secure personal information, spot identity theft warning signs, and respond to data breach notices.

10/02/2026

Your customers trust you with their information. Make protecting it a priority.

October is Cybersecurity Awareness Month—a great reminder to strengthen your business’s digital defenses:

✅ Verify unexpected emails before clicking links or opening attachments.

✅ Turn on multifactor authentication for email and other business accounts.

✅ Keep software and devices updated.

✅ Limit access to sensitive customer information to those who need it.

Strong security habits can help reduce risk. Cyber liability insurance can help address the financial impact of a covered incident.

Contact us today to explore coverage that fits your business.

🌐 www.ermunro.com

09/29/2026

If your premium went up—or your deductible or coverage changed—you’re not alone in wondering why. Renewal terms can be affected by factors such as rebuilding costs, local weather risks, claims history, and changes in an insurer’s pricing.

Before you renew, take a few minutes to:

✅ Compare your new declarations page with last year’s

✅ Check your deductible and coverage limits—not just the premium

✅ Ask your agent or insurer what changed

✅ Get quotes for comparable coverage

✅ Ask whether you qualify for discounts or can reduce risk with home improvements

The cheapest quote isn’t always the best fit. Make sure you understand what’s covered, what’s excluded, and what you would pay out of pocket after a claim.

Have a renewal question? Contact us. We’re happy to help you review your options.

09/24/2026

Flooding doesn’t only happen in high-risk flood zones.

Heavy rain, flash flooding, poor drainage, and overflowing streams can cause damage almost anywhere, even in areas considered low or moderate risk.

One of the biggest misconceptions is that homeowners insurance automatically covers flood damage. In most cases, it does not. Flood insurance is typically a separate policy, and waiting until a storm is in the forecast may be too late.

Now is a good time to review your coverage and understand your options before the next heavy rain event. Contact us today to learn more.

09/22/2026

The first day of Fall means changing leaves, cooler weather, and the perfect time to inspect your home. These tips from Travelers can help you prepare your home for the Fall season. http://tkpl.us/ubxku

09/22/2026

🍂 Fall is here! Before the leaves pile up, take a few simple steps to help protect your home from winter-related issues like frozen pipes, roof leaks, ice dams, and water damage.

Check out our fall home insurance checklist:

https://ermunro.com/blog/before-the-leaves-pile-up-a-fall-checklist-to-protect-your-home/

Prepare your home for winter with this fall insurance checklist covering gutters, roofs, frozen pipes, heating systems, and coverage reviews.

09/21/2026

We had a wonderful time at the Insurance Club of Pittsburgh Fall Golf Outing at Cranberry Highlands Golf Course! ⛳

We were honored to be a tee box sponsor and spend the day connecting with fellow insurance-industry professionals.

Thank you to the Insurance Club of Pittsburgh for hosting another fantastic event. We’re already looking forward to the next outing!

09/13/2026

Red cars cost more to insure? Not true! This , we're sticking to facts. Working with an Independent Agent like us helps you separate insurance myths from reality. http://tkpl.us/u63wi