Murray Insurance Management

BCL: Business Catastrophe Liability

2012-01-10T12:02:00.000-08:00

Make Sure You're Covered.

You have insurance to protect your business from the unexpected. But without an umbrella policy, you may not be fully covered.

A single claim could hit harder than you expect. Consider these real examples:

· When a man driving his work vehicle ran a red light, hitting a 16-year-old girl on her way to school, the company was found responsible. The jury awarded $5.4 million to the girl’s family.

· When a wedding reception guest fell down a staircase that was missing a handrail, suffering permanent disabling injuries, the facility was held responsible. The case settled for $2.8 million.

The financial impact of these losses could have been devastating for both companies if they hadn’t had umbrella coverage. Could something like this happen to your business? No one can predict that. But our agency and Erie Insurance can help you offset potential damage with ERIE’s Business Catastrophe Liability (BCL) coverage.

This umbrella policy, which offers at least $1 million in coverage beyond your existing package policy, helps protect your business from catastrophic claims (which can arise from auto accidents, slips and falls, etc.).

You’ve worked hard to build your business; don’t let a gap in coverage jeopardize it. Call us for an insurance review. Together, let ERIE and our agency make sure your company is properly protected. Read more about ERIE’s BCL coverage–and other insurance coverages–at www.erieinsurance.com/business.

Give us a call or e-mail us today to learn more about BCL coverage.

Last Minute Christmas Shopping, Again?

2011-12-09T11:26:00.000-08:00

Insurance: Perfect Gift for Picky Givers

It’s that time of year. Every newspaper bulges with sales fliers, and every television commercial hawks the gotta-have gadget of the season. So who can you really turn to for last minute gift ideas that break the mold?

Let’s face it — many Americans have more than they can manage when it comes to creature comforts: iPhones and iPods and iPads, Vera Bradley bags and Sperry topsiders, Xbox and Wii and Rock Band and Glee (not to mention the perennial Christmas favorites, Snuggies and Slankets in every fashion color, football team logo and animal print known to humankind).

And yet, the non-mainstream gifts, like those in our family, aren’t always instant favorites. With so much clutter in Christmas giving, is there a way to give a gift that’s both memorable and meaningful?

Don’t laugh. You may want to consider insurance. Here’s why:

A life insurance policy for your child, grandchild, godchild or childlike adult may become a gift that keeps on giving. A small policy on its own won’t provide a big return, but it will do something important – protect your child’s future insurability. This becomes important should a serious health issue develop or accident occur later in life.

Identity Recovery Coverage – For less than the cost of Billy Joel’s Greatest Hits Vol. I and II, you can add this endorsement to a Homeowners policy as a gift for the whole family. It helps cut through the red tape involved in restoring a stolen identity. And it reminds those covered in your household, “I love you just the way you are.”

A bike (and a helmet) – If your loved ones can two-wheel it to work or school the old-fashioned way, this gift scores triple points for reducing insurance premium costs due to less regular auto usage, curbing carbon emissions and burning those holiday calories.

Renters insurance – If you’ve got an adult son or daughter on the move to independence, consider fronting them the premium for renters insurance. Their precious cargo will be protected and you’ll be gifting them with an important lesson — take care of your things.

Umbrella – Not the one for a rainy day — although the foldable ones make nifty stocking stuffers. We’re talking about insurance coverage that extends your liability coverage beyond the limits of your homeowners or auto protection. For the person who has everything (or a lot of things, anyway), personal catastrophe and liability coverage is a worthy way to self-gift.

Talk to your Agent at Murray Insurance Management about which insurance products apply to your situation now — and later. Should you find some big ticket items under the trees, like jewelry, musical instruments, high-end tech gadgets, you might want or need additional coverage to protect them.

Happy Holidays!

Murray Insurance Management December 2011

Winter Storm Disaster and Recover

2011-12-02T10:30:00.000-08:00

Don’t Be Snowed Over.

Adhere to Murray Insurance Winter Storm Advice:

Before and After a Winter Storm

Protect your home by:

· clearing sidewalks and entranceways
· keeping gutters free of leaves and debris, so ice dams do not occur and cause water leakage into your house.
· letting facets drip slowly so water will move and prevent pipes from freezing.
· winterizing your home by sealing windows and doors, and adding extra insulation.

Protect your car by:

· checking hoses, battery and antifreeze levels.
· keeping gas tank filled to prevent condensation from forming in the tank. Such condensation could cause the fuel line to freeze.

Protect your pets by:

· cleaning any antifreeze spills and storing antifreeze where pets cannot be attracted to its sweet scent.
· bringing pets indoors, into the house or garage, to provide warm shelter.
· providing plenty of straw or other warm bedding.
· remembering to provide fresh water and ensuring the water does not freeze. Use a plastic dish to prevent the pet's tongue from freezing to a metal bowl.
· checking underneath your car's hood for small animals (like cats) that may have crawled inside seeking warmth.

After the storm

Clear sidewalks and entranceways from snow and ice to prevent injury.
Call your insurance agent to report any damage to your home.
Photograph any damaged areas before doing anything to them.
Make temporary repairs only to your home to prevent further damage.
Keep receipts of all materials bought or services rendered involving repairs.
Do not make major, permanent repairs until you reach an agreement with your insurance company.
Avoid downed power lines and contact your local power company to report them.

If you have any questions or problems concerning your insurance coverage, contact us at Murray Insurance Management
19700-A West Catawba Avenue
Cornelius, NC 28031

E-mail: service@murray-insurance.com
Call us at: 704.987.9577
Fax Inquiries/Requests to: 704.987.9588

Hammered by Hail

2011-11-22T11:15:00.000-08:00

You may not immediately think of hail as a danger to your car or home, but larger hailstones can shred roof coverings, scar automotive finishes and lead to water damage.
Research from the Insurance Institute for Business and Home Safety (IBHS) indicates that more than 75 percent of U.S.cities will experience at least one hailstorm each year.

Fortunately, impact-resistant roof covers can help reduce losses and associated property ownership costs.

Know your roof materials

When building or re-roofing, especially in hail-prone regions, IBHS recommends roofing products that have a Class 3 or 4 rating under the Underwriters Laboratories (UL) 2218 standard. The UL 2218 standard rates a roof covering’s resistance to impact.
The UL test involves dropping steel balls of varying sizes from heights designed to simulate the force of free-falling hailstones.
The four impact-level designations help you compare products: roof coverings that show themost resistance earn a Class 4 rating; and ones that have the least resistance earn a Class 1rating.
Keep in mind that while the UL 2218 standard is the best method to test impact resistance, it isn’t perfect and works better for some coverings than for others.
You can be proactive by consulting with your builder, roofing installer or insurance agent about which materials to use and what additional steps you can take to help your roof covering stand up better against hail and high wind. To cover all bases, you may also want to check your roofing materials for wind-resistant features and a fire-resistance rating.

When the storm hits

If a hailstorm is expected in your area, move inside immediately and stay there.

Park vehicles in a garage or under a carport.
Keep away from skylights, doors and windows in case hail shatters the glass.
Close your drapes, blinds or window shades to prevent wind from blowing broken glass inside.

If you’re in a car, pull off the road preferably under a bridge or highway overpass and wait for the storm to pass.

Check your coverage

You should also review your homeowners insurance policy periodically with our agency to make sure you have sufficient coverage. If you do suffer property damage, report it immediately to our agency or Erie Insurance and make temporary repairs to prevent further damage. Call 704-987-9577 [Murray Insurance Management].

Shop Local

2011-11-18T12:02:00.000-08:00

Local food. Local theater. Local products. We’re paying more and more attention to things that come directly from our own communities. Why shouldn’t your business auto insurance agent be local, too?

Everyone hates feeling like a number, and we promise never to make you feel that way.

We’re local. We live here in the same community that you do. We understand the unique dangers that face our town: how Main Streetcurves sharply to the left, making it dangerous for high-profile vehicles, or how slippery that hill outside of town can be in the winter. Our understanding makes it easier for us to help you avoid the accident in the first place — or how to fix things afterwards. ERIE’s local claims employees will help you get you back on the road.

We also know how important your company’s vehicles are to your business’ success: without them you can’t visit clients, deliver goods and perform other critical functions.

Don’t chance your business’ success on an Agent who treats you like a number, or someone in a far-off city. Our agency has earned a place of honor in the communities we serve. Let us help you, here and now. When it comes to your insurance Agent, shop local.

Call 704.987.9577 [Murray Insurance Management]

Superior Claims Service

2011-11-18T10:08:00.001-08:00

Superior Claims Service

October-November 2011 Newsletter

2011-11-17T13:46:00.000-08:00

Steer Clear of Halloween Hazards

Take a Halloween safety quiz and stay safe from scary surprises.

Watch: After the Storm

When the storm hit, ERIE helped Customers in their time of need.

Saving Energy at Home

How can you get a handle on your home's energy use? Try the Home Energy Yardstick.

Young, Fabulous — and Insured

Dorm dwellers or apartment renters should get schooled in insurance. Some policies may cost mere cents a day.

Shop Local

Everyone hates feeling like a number, and we promise never to make you feel that way. We’re local. We live here in the same community that you do.

When it comes to insurance coverage for your home, business and vehicles, shop local. Contact our agency today.

Study: Parents Struggle With Safety Seats

Are your children buckled up correctly? A recent study reveals that many caregivers may not be using all of the safety seat features properly.

To learn more about the study and help ensure your young passengers are safe on the road, read the article on erieinsurance.com.

Storm Disasters Offer Important Lessons

In communities up and down the East Coast, residents who suffered the brunt of storms this spring and summer continue to rebuild their properties.

With its high winds, torrential rain and flooding, Hurricane Irene, Tropical Storm Lee and other severe weather events serve as important reminders about being prepared for catastrophic storms. Review six preparation and insurance tips.

Don’t Let a Tornado Topple You

2011-11-11T13:19:00.000-08:00

Tornadoes are one of nature's most powerful and destructive forces; an F5, the strongest and most violent of tornadoes, can level almost any house and its occupants. Thankfully, F5 tornadoes are rare. Most are weaker and can be survived. And now is the time to prepare for them if you haven’t already. Tornadoes are most common from late winter through mid-summer.

Here’s what to do before and during a tornado:

· Know where you can take shelter in the event of the storm. Practice a family tornado drill once a year.

· Prepare by gathering emergency supplies, including nonperishable food, water, medication, batteries and flashlights. Keep the emergency kit packed and easily accessible.

· Know the signs of a tornado: persistent winds, swirling dust or debris under a cloud base, loud continuous roar or rumble.

· Know the difference and help your children understand the difference between a tornado watch and a tornado warning.

1. Tornado Watch: Current weather conditions could create a tornado, so be on the lookout.

2. Tornado Warning: A tornado has been sighted in the area. Seek shelter immediately and listen to the radio for further updates. A tornado warning is much more serious than a tornado watch.

· If a tornado is likely or known, take shelter indoors, preferably in a basement or interior first-floor room or hallway.

· Avoid windows and seek additional protection under large furniture or mattresses. This will protect you from flying debris.

· After a tornado has struck, stay out of heavily damaged homes or buildings. Keep clear of downed power lines, broken glass and other debris. Avoid lighting matches and cigarettes due to possibly ruptured gas lines. Try to stay calm. Help will arrive.

And remember, be prepared financially, too, before a storm ever hits. Don’t let nature blow away what you’ve worked hard to build. If you’ve made improvements to your home or purchased large ticket items, let us know. We can ensure they are properly insured. We can also help you review your Erie Insurance homeowners policy anytime so you’re aware of the coverage limits and can adjust them as needed. Give us a call. 704.987.9577 [Murray Insurance Management]

Fall Boat Theft: Boaters Beware!

2011-11-11T12:48:00.000-08:00

Boaters: Beware of Land Sharks

Keep your boat safe when it's ashore. Boat theft often occurs in the off-season. Once they’re stolen, most boats are not recovered. If you are a boat owner, learn some easy and effective ways to protect your craft from theft.

>>Five tips for storing boats safely

Boat Theft Often Occurs in the Off-Season

If you’re about to store your boat for the off-season, be sure it’s in a secure location. Many theft cases happen when the boat is ashore.

“There are an unbelievable number of cases in which the storage facility says they never received the boat and the insured says that they left the boat in front of the building,” says Gene Robertson, supervisor in ERIE’s Corporate Security. “Many boat owners don’t discover that the boat is missing until they attempt to retrieve it at the start of the new season.”

Marine theft is a problem nationwide. From January to May, nearly 2,000 boats were stolen, according to the National Insurance Crime Bureau (NICB). In 2010, there were more than 6,660 boat theft cases. Less than half of those stolen were recovered.

Navigating Safety and Security

Whenever you’re storing your boat, the National Insurance Crime Bureau (NICB) recommends obtaining a contract from the storage facility that includes an employee’s signature. Other proactive steps to follow:

Mark it: Mark your boat and equipment with the vessel’s Hull Identification Number (HIN). A 12-character serial number helps law enforcement agencies to recover stolen boats and equipment quickly. All motorboats, with very few exceptions, must display the registration number on the forward part of the boat.
Keep records: Place registration and title papers in a safe location other than your boat.
Take video or photographs: Take photos or videotape your boat, equipment and HIN.
Secure the ship: Disable the boat and remove expensive equipment when not in use. When parking a boat on its trailer, use a trailer hitch lock.
Buy insurance: Talk to your insurance agent about purchasing coverage for your boat and personal needs.

You should also be cautious when buying a boat. Carefully review the vessel and its ownership paperwork. To avoid problems, be sure to match the HIN listed on the title and registration to the one attached to the boat.

For more information about NICB or other fraud prevention tips, visit www.nicb.org. The site includes a printable Marine Identification Checklist and a Boat Theft Brochure.

Call us at 704.987.9577 to learn more about boat insurance coverage. Erie Insurance’s coverage helps protect your boat, boating equipment and accessories. It also protects you with liability and medical payments coverage.

Ten Trouble-Free Tips for Travelers

2011-11-11T09:59:00.000-08:00

It's about that time of year again.

Will you be one of the millions on the road this holiday season?

Safety is one of the most important things to consider as you pack your car and leave home. To help you get ready for your next road trip, the National Crime Prevention Council (NCPC)recommends these 10 tips for travelers:

At home

1. Check all the locks before you leave home. Each door and window should have a sturdy lock.

2. Use motion-detection lights outside and trim hedges to reduce potential hiding places for burglars.
3. Set automatic timers on a few interior lights to give the impression that someone is home.
4. Ask the post office to hold your mail or ask a trusted friend or neighbor to collect it while you are away. Do the same with home delivery of newspapers.

On the road

5. Pay attention to your surroundings.
6. Pick well lit gas stations and always remove your keys and lock the car doors while you are pumping gas.
7. Protect your valuables (GPS, MP3 players, cell phones) by keeping them out of plain view in your vehicle and lock the doors even if you are stepping away from the vehicle for just a moment.

8. Take only the credit and other cards you will need. Leave the others at home, stored securely.

9. Never leave your hotel room unlocked, even to go to the ice or vending machine.

10. Don’t open the door at a hotel or at home to someone who you don’t know well or trust.

It’s important, too, not to forget the basics: buckle your seatbelt and keep your eyes on the road. Driving is a skill that requires your full attention to safely control your vehicle and respond to the events happening on the roads around you.

It’s good to have an insurance company that will be there if you ever have an accident or need to file a claim. To check on your coverage, contact our agency. We will review your current policies and help ensure that your car and home are properly insured. Call 704.987.9577

College Student in Your Household? Check Your Insurance Coverage

2011-10-14T13:55:00.000-07:00

If you’re helping one of your children go off to college for the first time, or return to college, we may be able to help you save some money and gain some extra protection.

Here are four things to consider about insurance when a child enters college.

1. You could get a discount on your auto insurance. Because you’ll have one less driver living at home when your son or daughter goes off to school, your household might get a discount — as long as they don’t take a car along. If he or she does take a set of wheels, contact our agency. We can review your coverage to make sure your child is properly insured.

2. Your homeowners insurance might extend to his or her belongings. Usually, the belongings of your child-turned-college-student will be covered by your homeowners insurance, but it’s best to be sure. If for some reason the coverage doesn’t extend, consider purchasing renters insurance. Students who live off campus may not be covered by their parents' homeowners policy and may need to purchase their own renters insurance.

3. Student loans might call for extra protection. If student loans are involved, you might want to consider life insurance* for your son or daughter. It can help financially in the case of an unexpected tragedy (although no one wants to think about that). If a tragedy never occurs (thankfully), your son or daughter can also opt to carry the life insurance to the next stage of life – making it a wise investment.

4. Insurance can help in the most unexpected cases. Accidents happen — sometimes tragically. Extra liability coverage through a Personal Catastrophe Liability policy, commonly called an umbrella policy, can help protect you should a lawsuit ensue from a big mistake.

Auto-policy Discounts

2011-10-13T13:29:00.000-07:00

Home-protectors Discounts

2011-10-13T13:20:00.000-07:00

Identity Recovery Coverage

2011-10-13T10:59:00.000-07:00

Policyholders can have peace of mind knowing that if someone steals their identity, help is just a phone call away.

Guide to Understanding Your Auto Policy

2011-10-13T10:28:00.000-07:00

Wish you had a road map to reading your Auto Policy? Click the link for an easy-to-understand guide about auto insurance lingo: Coming to Terms

ERIE's Equal Professional Service Statement

2011-10-13T10:07:00.000-07:00

The ERIE is strongly dedicated to the principle of "equal professional service," which means that all applicants, Policyholders and claimants are provided with the same high caliber service that is our hallmark. The ERIE does not discriminate on the basis of race, ethnic origin, sex, age, religion, geographic location, socioeconomic status, or any other illegal basis and we expect our Agents to adhere strictly to our nondiscriminatory philosophy. The ERIE recognizes its legal obligation to judge each risk on its own merits and we rely on objective underwriting criteria designed to accurately assess the nature and extent of each risk.

Get a quote from the agency that's serious about insurance.

2011-09-30T10:43:00.000-07:00

We believe the billions spent on commercials that make jokes about insurance could be put to better use.

We offer superb coverage and unrivaled service. That's why more than 90% of our customers stay with Erie year after year.

Reporting a Claim

2011-09-30T08:49:00.000-07:00

Need to file a claim? You can file a homeowners insurance claim by contacting our office, one of ERIE's branch offices or you can file it online. On nights and weekends, contact ERIE's Extended Hours Claims Service at (800) 367-3743. After you’ve reported the loss, the following steps will take place.

The loss report is assigned a claim number and assigned to a claims handler.
A property adjuster will contact you to confirm the facts of the loss. This may include an inspection of the damaged property. The adjuster will then determine if coverage applies, and, if so, evaluate the damages.
After the claim is initiated, the adjuster or claims handler will check on the progress of the claim and make every effort to efficiently complete the process. Some claims can be settled quickly. Others – especially those involving severe damages – may take longer.

Do you have more questions about filing an insurance claim?

Homeowners Value and Discounts

2011-09-30T07:25:00.000-07:00

To offer you the most for your insurance dollar, Erie Insurance offers a variety of discounts on homeowner policies. Watch a video to learn more about ways to save with ERIE (video transcript).

Multi-Policy Discount – insure your home and auto with Erie Insurance and receive additional savings on your homeowners insurance.
Life Multi-Policy Discount – save on your homeowners insurance when you have a qualifying Erie Family Life policy.
Fire and/or Burglary Alarm System Discount – install smoke alarms or a burglary alarm system in your home and take advantage of additional discounts.
Sprinkler System Credit – if your home is equipped with an automatic sprinkler system, you’ll save on your homeowners insurance.
New Home Discount – if your home was built in the last 14 years*, you’ll receive a discount on your homeowners insurance.
Age of Insured Discount – Erie Insurance offers Policyholders age 46 and older a discount on their homeowners insurance. The discount increases as you age

Protect Your Home

2011-09-27T13:08:00.000-07:00

Select the link to check out this article by ErieSense.com:

What are the chances?
Your home is three times more likely to be damaged by flood than fire.
Source: National Flood Insurance Program

Uninsured flood disaster victims often echo the same sentiment. Or, like many people, they assume that regular homeowners insurance covers flood damage.

“Consumers don’t realize until it’s too late that all basic homeowners insurance policies exclude flood damage,” says Terry McConnell, manager of ERIE’s Personal Lines Underwriting. “Only flood insurance will cover losses in the event of a flood.”

What’s more, the risk of flooding is, literally, everywhere.

Life Insurance & Tips to Qualify for the Best Rate

2011-09-27T12:59:00.000-07:00

How to Buy Life Insurance

October 8, 2010
by Scott Wescott

Life’s big changes — getting married, having kids, even going off to schoo l— give us lots to think about. The good news is that when it comes to buying life insurance that’s right for your stage of life, your ERIE Agent can make a seemingly complicated process easier. The first step is helping you think about it.

“People don’t think twice about insuring their home and their car, but it’s amazing that so many don’t think about their life in the same way,” says Jeff Azzato of St. Marys Insurance Agency in St. Marys, Pa.

“The bottom line is this: if you love someone, you need life insurance.”
When you’re ready to purchase life insurance, ERIE Agents can help by explaining the differences between term and whole life insurance. They can also assess your overall financial and life situation to help you determine your specific needs.
“As Agents, we’re here to provide individual contact that can make buying life insurance easier,” says Jeff. “We can explain the process, answer questions and help you understand the details of quotes.”
Part of that process is undergoing a physical, Jeff notes.
“Prior to issuing a policy, insurance companies need to evaluate medical history and physical exam and lab results to determine if there are any conditions that could shorten your life,” explains Mike Plazony, vice president and manager, Life Underwriting and Product Administration for Erie Family Life. “This helps us determine the right cost for each person applying for life insurance.”
If this is the part that’s scary for you, there are simple steps (see below) you can take to help make sure that the test results are not negatively affected.

Simple steps

These three easy tips can help you qualify for the best rates.
Tread lightly: Stay out of the gym for at least 24 hours prior to the exam, as a strenuous workout can lead to increased liver function — a red flag for certain ailments and conditions. If you must work out, keep it nice and easy.
Kick the coffee: Tea, coffee, soda — anything with caffeine — can increase blood pressure.
Pass on the salt: Limit salt intake and high cholesterol foods for at least 24 hours prior to your exam to avoid a negative impact on blood pressure or cholesterol results.
An ERIE Agent can also add to your savings by offering a life multi-policy discount. This discount helps you save money on your homeowners insurance when you have a qualifying Erie Family Life* policy.
“Taking care of your life insurance needs gives you one less thing to worry about,” ERIE Agent Jeff Azzato says. “And working with an ERIE Agent will make the process as easy as possible. Give your Agent a call to talk it over.”
*Erie Family Life insurance not available in New York.

Scott Westcott is an award-winning journalist and freelance writer whose work has appeared in Parents, Inc., and Woman’s Day. He resides in Erie, Pa.

Do you have the Coverage you need?: The Checklist

2011-09-27T12:29:00.000-07:00

Does your Coverage have you covered?

1.Has there been a change of drivers or vehicles currently listed on your policy?

2.Have you, or any driver, changed job or school locations?

3.Have you paid off a loan on a vehicle?

4.Has anyone moved in or out of the household?

5.Have you installed a security or fire alarm system?

6.Has any member of the household started a business in your home?

7.Have you paid off your mortgage, refinanced or taken a second mortgage?

8.Have you made any significant home improvements? (wiring, heating system, plumbing, renovations, roof, additions, etc.)

9.Have you purchased a second/seasonal home, rental or investment property?

10.Have you purchased a watercraft, motorcycle, snowmobile, RV or ATV?

11.Have you acquired any pets?

12.Have you installed a pool, Jacuzzi, trampoline, or wood burning stove?

13.Have you acquired any valuable collections, artwork, jewelry, furs or guns?

14.Have you filed an insurance claim?

Young Drivers: The Risky Years

2011-09-27T12:10:00.000-07:00

New Driver Video

Murray Insurance Management

BCL: Business Catastrophe Liability

Last Minute Christmas Shopping, Again?

Winter Storm Disaster and Recover

Hammered by Hail

Shop Local

Superior Claims Service

October-November 2011 Newsletter

Murray Insurance Management Newsletter

Steer Clear of Halloween Hazards

Watch: After the Storm

Saving Energy at Home

Young, Fabulous — and Insured

Shop Local

Study: Parents Struggle With Safety Seats

Storm Disasters Offer Important Lessons

Don’t Let a Tornado Topple You

Fall Boat Theft: Boaters Beware!

Ten Trouble-Free Tips for Travelers

College Student in Your Household? Check Your Insurance Coverage

Auto-policy Discounts

Home-protectors Discounts

Identity Recovery Coverage

Guide to Understanding Your Auto Policy

ERIE's Equal Professional Service Statement

Get a quote from the agency that's serious about insurance.

Reporting a Claim

Homeowners Value and Discounts

Protect Your Home

Life Insurance & Tips to Qualify for the Best Rate

How to Buy Life Insurance

Simple steps

Do you have the Coverage you need?: The Checklist

Young Drivers: The Risky Years

Murray Insurance Management
Newsletter