AN INDEPENDENT RISK MANAGEMENT COMPANY

October Newsletter

FRM Group Insurance and Financial Services

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

As spooky season arrives,

we want to remind everyone to enjoy the festivities safely.

🎃 Trick-or-Treat Safety Tips:

Use reflective tape and glow sticks to help little ones be seen.
Always check candy before eating.
Stick to familiar neighborhoods and walk in groups.
Keep pets secure and safe from doors opening/closing.
Watch out for slippery leaves on sidewalks and driveways!

Have fun, be safe, and tag us in your costumes! #FRMInsurance

Be Prepared: Liability,

Property, and Business Coverage Check

As the seasons change, so do your business risks. Here's what we recommend reviewing this fall:

⚠️ Liability Coverage

Fallen leaves, rain, and early frosts increase the risk of slip-and-fall accidents. Make sure your general liability policy is current and covers medical expenses and potential third-party lawsuits.

👷 Workers’ Compensation

If your team size changes due to seasonal hires, now is the time to update your workers' comp policy to reflect your workforce accurately and stay compliant.

🔌 Business Interruption Coverage

Autumn and early winter bring increased chances of power outages or heating issues. Protect your income and operations with business interruption coverage if your business has to temporarily close.

October Is the

Time to Talk FLOOD

The stark reality is this: Flooding is Pennsylvania's most common and destructive natural disaster—and your standard homeowner’s policy won’t cover it.

Why You Shouldn't Ignore Flood Coverage:

🌊 Widespread Threat: 99% of U.S. counties have experienced flooding in the last 20 years.
💸 Real Losses: In PA alone, over $284M in flood damages were claimed from 2013–2023.
💧 Low Threshold, High Cost: Just 1 inch of water = $25K+ in damage.
🔥 Climate Shift: Intense rains + rising sea levels = even more risk.

Flood insurance is not optional—it's essential.

Talk to our flood insurance experts today to review your home or business exposure.

📞 Call us at 570-421-7447 or email info@frminsurancegroup.com

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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Is Your Insurance Carrier There When You Need Them?

Life doesn’t stop after 5 PM, and neither should your insurance. Whether you're working third shift or getting ready to hit the road early:

We Represent Carriers With 24/7 Claims & Service Access:

Travelers • Penn National • Nationwide • Progressive • Utica

We’ll help match you with a carrier that fits your schedule and lifestyle—plus we’ll help secure the most competitive rate.

Community Happenings October 2025

Local Community Events: Mark Your Calendar!

The Pocono Food Truck Festival

Shawnee Mountain Food Truck & Art Festival

Join us Saturday, October 4th and Sunday, October 5th from 11:30 AM – 5:00 PM each day. The two-day event includes fun for the whole family with live music, kid-friendly activities, crafters and arts vendors, and different food and beverage vendors.

Relish the fun of Pickle Me Poconos 2025

Crystal Street in East Stroudsburg, Pennsylvania

The Pocono Chamber of Commerce is excited to announce the 2025 Pickle Me Poconos Festival is happening again this year on Saturday, October 4th from 12:00 PM to 5:00 PM on Crystal Street in East Stroudsburg, Pennsylvania. This #dillightful festival brings the community and tourists of all ages together to celebrate everything PICKLE in the POCONOS. This is a free event and is open to the public.

3rd Annual Latin Gala – A Night of Latin Magic!

October 4th, 2025

3rd Annual Latin Gala – A Night of Latin Magic!

Get ready to spice up your night at the 3rd Annual Latin Gala – a dazzling celebration of Latin music, dance, and culture like no other!

Join us at the luxurious Mount Airy Casino Resort for an unforgettable evening filled with:💃 Live Latin Band – Feel the rhythm and dance the night away Amazing Performances – Featuring vibrant Latin talent Scholarship Celebration – Honoring our 2025 Scholarship Winners A Taste of Havana – Sip, savor, and soak up the culture Photo Booth Fun – Capture memories in style Cigars – Relax with a fine cigar Live Auction – Bid on exciting items for a great cause Whether you're coming to support the cause, dance, or simply enjoy a lively night out – this event is perfect for anyone who loves Latin culture and knows how to have a good time! Dress to impress | Formal Attire Reserve yours ticket and be part of the magic! Let’s light up the night – Latin style!

Harvest Fest 2025

October 4th, 2025

It’s that time of year again — Harvest Fest 2025!

Join us at Faith International Church on Saturday, October 4th (Rain Date: October 11th) for a full day of family fun, food, and community fellowship.

530 Seven Bridge Road, East Stroudsburg, PA

10:00am – 4:00pm

Entertainment by DJ Summernight

Games for the kids

Giveaways & raffles

Plus our Chili & Sweet Pie Kick-Off!

Come out, bring your family & friends, and let’s celebrate the season together! #HarvestFest2025 #Community #FaithInternationalChurch #FamilyFun #EastStroudsburg

30th Annual Pocono

Prayer Breakfast

October 7th, 2025

Uniting Our Community in Prayer and Fellowship for Nearly 30 Years

The Pocono Prayer Breakfast is a cherished annual tradition that unites people of all backgrounds in a spirit of prayer, reflection, and fellowship. For nearly 30 years, it has welcomed over a thousand attendees annually, fostering a non-political, inclusive space to pray for our community and shared values. We invite you to join us for this year’s event and be a part of this cherished tradition.

Support local, connect, and celebrate fall with us!

Thank You for Being Part of the FRM Family!

At FRM Group Insurance and Financial Services, we believe in more than just policies—we believe in people. Thank you for continuing to trust us with your protection, your goals, and your future.

From all of us at FRM Group Insurance and Financial Services

thank you for choosing local, choosing experience,

and choosing a team that puts people first.