AN INDEPENDENT RISK MANAGEMENT COMPANY

January 2026 Newsletter

FRM Group Insurance and Financial Services

Your Trusted Risk Advisors | www.frminsurancegroup.com | 570-421-7447

Happy New Year from FRM Group Insurance

and Financial Services!

Here’s to a healthy, happy, and secure 2026!

As we turn the page into a brand new year, we want to thank you for allowing FRM Group Insurance and Financial Services to be part of your journey. We’re wishing you peace, prosperity, and protection in the months ahead. #FRMInsurance

Holiday Office Schedule

To give our team time to enjoy the holiday with their loved ones:

We will close early at 1:00 PM on Wednesday, December 31st,

and remain closed on New Years day, Thursday, January 1st 2026.

We'll reopen on Friday, January 2nd with regular business hours.

We appreciate your understanding and

wish you a peaceful, joy-filled holiday season.

This year’s Angels for Aging gifts have been picked up and ready for delivery. Look at all the happy smiles! Another successful year due to community support and generosity.

Thank you to all who participated in this yearly tradition.

A special thank you to Pat Nothstein for her help making this yearly

tradition another huge success.

Insurance: No Fad Diet

Real Coverage, Real Results

As we welcome a fresh start to 2026, it’s the perfect time to assess your insurance like you would a health checkup. Insurance isn’t a one-size-fits-all or a short-term trend. It’s not a fad diet. It’s a long-term protection plan built on smart decisions and

personalized analysis.

Why It Matters: Just like your health and finances, your insurance needs change; new drivers, new businesses, new toys, new risks. That's why we always recommend a personalized needs analysis. Our experienced, industry-tenured agents are ready to help you understand your options clearly and customize a plan that protects what matters most to you.

Schedule your one-on-one review today!

Let’s talk about where you are and where you’re headed and get the coverage you need at the best possible premium.

Winter Safety Tips for Collectors

Winter weather is here and so are the risks to your valuable collectibles. Whether you’re safeguarding family heirlooms or rare finds, use these simple tips to protect your collection:

🛡️ Protect Your Assets:

Temperature Control: Keep storage between 65–70°F.
Humidity Matters: Maintain 40–60% humidity to prevent mold, warping, and cracking.
Storage Materials: Use acid-free boxes and archival sleeves to protect delicate items.
Watch for Pests: Inspect storage areas regularly and use natural repellents.
Avoid Sun Damage: Use UV-filtering display cases to prevent fading.

✈️ Traveling with Treasures:

In-Transit Protection: We offer coverage for collectibles in transit or shipping.
Cabin Only: Always fly with your items in the cabin—checked baggage is for luggage, not valuables.
Shipping Tips: Always use a signature-required shipping method and insure your package.
Plan Ahead: Ship early to avoid weather and holiday delays.
File Quickly: Report losses within 90 days for full coverage.

Collector’s Corner: Bob Pettitt’s Model Train Legacy

From a simple Lionel train set under the Christmas tree to a stunning collection of over 9,000 model train pieces and accessories, Bob Pettitt’s lifelong passion for model trains is a moving story of nostalgia, craftsmanship, and love.

Housed in three buildings and spanning over 750 square feet, Bob’s layouts include complete passenger train replicas, scratch-built homes, and custom models that tell personal stories—like the Pomona home his father built by hand, or the Greyhound bus that launched his childhood speaking gig at the LA County Fair in 1954.

His collection is valued at over $90,000, and every piece carries a memory—from jet planes to custom-built media studios. Bob even has a model of a tragic Portland plane crash—because one of his university students worked directly on the case.

It’s collectors like Bob who remind us: these are more than items—they’re stories worth protecting.

Why Choose Collectibles Insurance Services?

Since 1966, Collectibles Insurance Services has been helping collectors like Bob protect their prized possessions. With an A rating from AM Best, you can trust that your coverage is in good hands.

Affordable premiums
Coverage tailored to your collection
Transit protection for shipping and travel
Fast and easy claims process
Let’s talk about safeguarding your collection in 2026!

Jonathan L. Comeaux

Account Manager

Commercial Sales

JonathanC@FRMinsurancegroup.com

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Jessica Martinez

Operations Manager

Agent, Commercial Lines

JessicaM@FRMinsurancegroup.com

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Do You Drive for Uber, Lyft, or Deliver Food?

Whether you’re ride-sharing, meal-delivering, or doing both — not disclosing this activity to your insurance carrier could void your coverage.

Here’s why it matters:

Your personal auto policy doesn’t cover commercial activity.
You need a rideshare endorsement or a commercial policy to be protected when driving for services like Uber, Lyft, DoorDash, or Uber Eats.
Failing to disclose this to your insurer can result in denied claims or even policy cancellation.

✔️ The good news? Our team can help you add the right coverage — keeping you fully protected during every phase of your trip, from waiting for a request to transporting passengers or food.