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Insurance Coverage
Who Insures Improvements in a Leased Building or Office?
Before you remodel a leased space, review your coverage
If you lease an office and make improvements to the space—such as interior remodeling—you need to review your insurance coverage. Generally, if you've installed any after-the-fact alterations, it's up to you, not the property owner or landlord, to insure them.

For example, let's say you've leased space for an auto garage and then install a vehicle lift. The lift may not be covered. If you leased space for your beauty salon or florist shop and install new sinks and counters, you should determine whether you need to insure those items too.

In the insurance industry, we call these changes improvements and betterments. Essentially, it means that you're responsible in a leased space for insuring any alterations you have made, such as flooring, light fixtures, wall coverings, wiring, plumbing, cabinets, shelving or anything else that is attached to the ceiling, walls or floors.

Because these improvements might be essential to your business operations, it's important to understand who has responsibility for replacing them if they become damaged. If you do not update your business property insurance to cover these improvements, you could be underinsured and without the means to fully repair or replace the improvements if a covered loss occurs.

With an Erie Insurance business policy, the improvements and betterments are included as part of your business personal property. Contact our agency for more information.
Free Tools
Don't Let Extreme Weather Hurt Your Business Operations
Download an easy-to-use recovery plan
Before you find yourself and your business in the middle of a raging weather event–thunderstorms, extreme temperatures, tornadoes, hail, flooding and lightning–it's important to have a plan.

Research shows small businesses are especially susceptible to financial problems after an extreme weather event. In fact, the median cost of downtime for a small business affected by a major storm is $3,000 per day, according to the Small Business Majority.

OFB-EZ ™ (Open For Business-EZ) is a business continuity tool designed by the Insurance Institute for Business & Home Safety (IBHS). It helps small to mid-sized businesses focus on planning for any type of business interruption, so they can quickly re-open and resume operations following a disaster. With its non-technical language and streamlined layout, any business owner can create an easy-to-use recovery plan tailored to the individual business, providing confidence if the worst occurs.

To get started on your business recovery plan, go to to download the tools. Don't delay another day.
Workers' Compensation Coverage
New Phone Number Available for Reporting Workers' Comp Claims
ERIE offers two new service options
Doing business with Erie Insurance just got easier with two new options for workers' compensation Customers:
  1. If you need to file a workers' compensation claim, use Erie Insurance's new toll-free phone number, 1-855-492-3665.

  2. If you need a physician panel, fill out the request form, which is available on Many states allow employers to designate physician panels from which injured workers must seek care for work-related injuries.
Read more about all of ERIE's services, programs and resources on the workers' compensation section of

Thanks for your business. Any time you have a question or need information on how to protect your assets, please contact our agency. We're here to help.
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ERIE® insurance products and services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property & Casualty Company, Flagship City Insurance Company and Erie Family Life Insurance Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New York (home office: Rochester, New York). The companies within the Erie Insurance Group are not licensed to operate in all states. Go to for company licensure information.

The insurance products and rates, if applicable, described in this e-newsletter are in effect as of June 5, 2014 and may be changed at any time. Insurance products are subject to terms, conditions and exclusions not described in this e-newsletter. The policy contains the specific details of the coverages, terms, conditions and exclusions. The insurance products and services described in this e-newsletter are not offered in all states. ERIE life insurance and annuity products are not available in New York. Eligibility will be determined at the time of application based upon applicable underwriting guidelines and rules in effect at that time. Your ERIE Agent can offer you practical guidance and answer questions you may have before you buy.