Every year there is a Big Event in Boston.
It's called the Big Event and it's an Insurance Trade show.
It's hosted by the Marriott Hotel at Copley.
It's well attended.
This year it took place from November 3-6.
Insurance agencies will send their employees {we had four employees attend}.
Insurance companies send their marketing representatives and other employees.
It's a place for people in the insurance industry to connect with each other and learn what's been happening in their field over the past year.
I was able to attend this year and learned quite a bit.
Hubspot was there, they hosted a Social Media Q&A along with Plymouth Rock and a few agencies: Berry Insurance, C&S Insurance, and Deland Gibson. They had some interesting discussion and points about using social media in the insurance industry.
Christine Sullivan, of Innovation Management Solutions, hosted a few classes. I picked up a few time management tips.
There were many other classes to attend, but I won't name them all.
The trade show is a big hit. You walk around, pick up little "freebies" and chat it up with vendors. The freebies are candy, flashlights, highlighters, backscratchers, keyrings, warm chocolate chip cookies {Disaster Specialists brings those, yum!}, popcorn and many other little knick knacks. A lot of vendors hand out reusable bags, so it can be a good time to stock up on those. Vendors give away big tickets items too. You put your business card in a hat/bucket/jar and you could win: iPad, Starbucks gift cert, Kindle, cash and other fun prizes. I have yet to win, but I'm holding out. :) Note: Safety Insurance, I'm disappointed you didn't rig the drawing for the iPad2... that was supposed to be for me, remember? Hello? Remember? Oh well.
Arbella Mutual Insurance hosted the luncheon. Much was said about the disasters that hit the industry... Four disasters this year. Hopefully 2012 will go easy on Massachusetts as far as disasters go.
Overall, it was the Big Event was a great event. It was good to connect with people we know, and fun to connect with new people.
The four of us from Murray & MacDonald enjoyed attending.
We also enjoyed the camaraderie.
This year, two new Murray & MacDonald employees went.
Please meet Andy Roth & Peter MacDonald
Wednesday, November 30, 2011
Tuesday, November 29, 2011
Fall 2011: PIN-Up Award during 40th year
Murray & MacDonald Insurance Services is affiliated with an international peer review company, MarshBerry. MarshBerry tracks best practices in agency performance across the country. During the Fall 2011 agency symposium, Murray & MacDonald was awarded the PIN-Up Award. The award is to one agency nationwide that has exhibited the strongest growth as measured by the MarshBerry's Perspectives for High Performance (PHP) financial benchmarking report.
Murray & MacDonald is celebrating 40 years of servicing clients in Massachusetts and across the country.
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Thursday, November 24, 2011
Happy Thanksgiving!
Today we celebrate Thanksgiving!
It's a national holiday.
People around the United States stops to give thanks for what they have.
And watch a little football.
And eat a little lot of turkey, stuffing and other yummies.
What are your Thanksgiving plans?
What are you Thankful for this year?
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At Murray & MacDonald Insurance, we are thankful for our clients.
We wouldn't be around without you.
Thank you for choosing Murray & MacDonald Insurance to be your agency of choice.
We value you.
We appreciate you.
We thank you.
If you are satisfied with us, we want to know.
If you enjoy doing business with us, we want to hear from you.
If there's something we can improve upon (other than price), we want you to tell us.
We are in business to serve you, to take care of you.
And we want to improve.
Thank you for a successful year. Thank you for your continued business with our agency.
Our clients ROCK!
To show your support, please follow us on twitter: @MurrayMacDIns or "like" us on facebook: Murray & MacDonald Insurance facebook. We appreciate your commitment to us!
Tuesday, November 22, 2011
Falmouth High School Football Game & the New England Patriots
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This Thursday Falmouth High School's Varsity football team will play Barnstable High School's football team at home at 10 AM.
Did you know the rivalry between Falmouth & Barnstable has been going on for a long time? Did you know the first game started in 1895. That's a long rivalry. One of the longest in the state of Massachusetts.
Plymouth Rock, a local insurance company, is getting involved in high school football around Massachusetts this year. They will give $300 to the S.A.D.D (Student Against Destructive Decisions) of the high school that wins.
This means Falmouth High School Football team has an opportunity to win a rivalry game and win $300 for their school's S.A.D.D.
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Barnstable has a solid football team, they even won a championship, but you never know what could happen on Turkey day.
Come on out and support your local team at 10 AM on Thanksgiving.
For more press on the game, check out Plymouth Rock. Read on to find out what they're giving away!
How is football a part of your Thanksgiving Day traditions? Like Plymouth Rock’s Facebook page and share your favorite Thanksgiving Day football game memory, from Barnstable vs. Falmouth or otherwise. You will be entered to win 4 tickets along with round-trip transportation to the New England Patriots vs. Indiana Colts game on December 4th at Gillette Stadium. Read the complete rules. Tell Plymouth Rock your story now and enter to win!
Monday, November 21, 2011
Mock Monday: The Police: Part 2
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We're back with Part 2 - The Police.
If you missed the first few posts please check back to:
Last time, we ended with: How will Joe react when he arrives at the scene? What will Officer Smith's first step be?
His first step is to park his cruiser in a safe spot: this is to alert other drivers of the accident and to keep the cruiser from becoming part of an accident. Did you answer correctly?
Last Mock Monday we discussed how Officer Joe approaches an accident scene. Each accident is different. Here is what he does at Terry's accident scene.
1) Officer Smith secures the scene. He makes sure the accident scene is blocked off so it is safe for everyone. He decides to shut down one lane of traffic for the safety of all involved.
2) His initial assessment finds: 3 cars, 6 people and a dog are involved. There is no immediate danger to any of the people involved, no threat of fire/explosion, no fluid/gas leaks, no downed power wires or buildings hit. He finds the dog is OK, Terry is OK, her kids are OK. The person who rear ended Terry is OK. The person Terry rear ended is in a lot of pain. Terry and her kids should be seen by the paramedic, maybe go to the hospital. The person Terry rear-ended will probably need an ambulance. Officer Smith realizes he needs another officer to man the scene and direct traffic.
3) He confirms with Dispatch that Rescue is coming and that he needs back-up.
4) Officer Smith approaches the first vehicle (V1). This is the vehicle Terry rear-ended. The driver is a young man. He was driving an older vehicle. His name is Michael. The airbags did not deploy in his car. He was not wearing his seat belt. He's unconscious in the driver's seat. It appears he hit his head on the steering wheel or the dashboard. Officer Smith checks Michael's Airway, Breathing and Heartbeat (Airway, Breathing, Cardio). Michael is ok, his airway is open, he's breathing and he has a pulse. There is minor bleeding on his forehead, but other than that, he looks ok. Officer Smith tries to get Michael to respond to noise. Michael doesn't respond. The paramedics arrive and take over. A second officer also arrives and makes sure traffic is flowing smoothly. Officer Smith moves on to Terry and her kids, second vehicle (V2).
5) Officer Smith asks Terry how she is feeling. She has a slight headache, otherwise feels fine. He checks on the kids in their car-seats. They are crying, but otherwise visibly fine. He writes down Terry's information on an Accident Exchange Form and tells her he will come back to her, he needs to speak to the operator of the third vehicle.
6) Officer Smith approaches the blue pick-up (V3). There is a man outside the truck on his phone and a woman in the passenger seat. Officer Smith speaks with the man Terrence and his wife Florence. He adds their information to the Accident Exchange Form. Officer Smith asks Terrence what happened. Terrence and Florence were arguing, hence the erratic driving. Officer Smith issues Terrance a citation. His argument caused a multi-vehicle accident with possible multiple injuries. Terrence is not happy with the officer. He takes the citation and mumbles that he has to leave. Officer Smith doesn't want him around anymore, he says Terrence can leave, his car is drive-able. He will pick up the Accident Report at the police station later. Officer Smith gives Terrence his card for a reference and advises Terrence to complete a Massachusetts Motor Vehicle Crash Form and submit a claim to his insurance company.
7) Back to Terry, Officer Smith takes her statement, mentions he issued a citation to Terrence and says she can request the police report at the office. Terry takes the information from the officer and writes it on a piece of paper. While the officer was busy with Terrence, Terry took pictures of her car and V1 & V3 with her iPhone and emailed them to her husband. She also asked her husband in the email to contact their insurance company.
8) The paramedics are still busy with Michael. Officer Smith runs his plates and gets his information. He gives some information to Terry but also advises it will be on the Police Report. One paramedic comes over to Terry. He checks her and her kids. Read more next Monday about the Paramedic's side of the story.
9) Terry's van is drive-able, but she doesn't want to drive it. She's concerned about the safety of herself and her kids. Her husband is already at work and can't come pick her up. She calls her co-worker back and asks for a ride. Her co-worker obliges. At the same time Officer Smith arranges for two tow trucks (one for V1 and one for V2). They are there in a matter of minutes and get the vehicles ready to go.
10) Officer Smith advises Terry to fill out the same Crash Form he advised Terrence to fill out. He gives her his card for her reference suggests she call her insurance company as soon as she can to submit a claim.
It's been a busy morning, but the accident scene is almost all set. The tow trucks take the two cars (V1&V2), Terrence's vehicle (V3) is gone, the ambulance is gone, Terry & her kids have been picked up. It's just Officer Smith and his partner Officer Johnson survey the scene. There is no damage to any property. Now it's back to the office to finalize the paperwork.
Offer Smith thanks Officer Johnson for his help.
All in a day's work.
Check back on Monday to hear what the paramedics said about Michael, Terry and her kids.
Saturday, November 19, 2011
To The Veterans and Current Members of the US Military
Last week we thanked you for serving our country.
If you want to read the link, check it out: Thank You Veterans.
We will be sending care packages to members of the armed forces who are stationed away from home. We want to brighten a soldier's day and let them know how much we appreciate their service.
If you know someone who should receive a care package, please leave a comment with the best way to reach you OR you can email: Sara MacDonald
If you have suggestions on what to include in the package, please leave a comment. I never served in the military (though I know many people who do/have) so I won't know what's appropriate. I did send two dozen oatmeal chocolate chip cookies, vacuum sealed, to a friend in the military. He was stationed overseas in the hot desert. He said he gave one dozen cookies to the rest of the people in his platoon and kept and the other dozen for himself. I know they all appreciated freshly baked/vacuum sealed cookies. He was a friend though, I'm not sure how well received freshly baked cookies or brownies would go over to someone who doesn't know me or our agency. Will they know we're sending the package to say thank you, in a small tangible way?
Should we send calling cards, iTunes, deodorant? What do people stationed overseas want to get in a care package?
Please tell us! We want to send out packages by the first week in December.
If you want to read the link, check it out: Thank You Veterans.
We will be sending care packages to members of the armed forces who are stationed away from home. We want to brighten a soldier's day and let them know how much we appreciate their service.
If you know someone who should receive a care package, please leave a comment with the best way to reach you OR you can email: Sara MacDonald
If you have suggestions on what to include in the package, please leave a comment. I never served in the military (though I know many people who do/have) so I won't know what's appropriate. I did send two dozen oatmeal chocolate chip cookies, vacuum sealed, to a friend in the military. He was stationed overseas in the hot desert. He said he gave one dozen cookies to the rest of the people in his platoon and kept and the other dozen for himself. I know they all appreciated freshly baked/vacuum sealed cookies. He was a friend though, I'm not sure how well received freshly baked cookies or brownies would go over to someone who doesn't know me or our agency. Will they know we're sending the package to say thank you, in a small tangible way?
Should we send calling cards, iTunes, deodorant? What do people stationed overseas want to get in a care package?
Please tell us! We want to send out packages by the first week in December.
Friday, November 18, 2011
I Know Jack, Do You?
Do you know Jack?
One of our friends at Katalyst Systems Inc is donating $10 to the "Know Jack" fundraiser for every like on their page by TODAY, November 18.
Like their page Katalyst Systems Inc Facebook Page and they will give $10.
Check out Jack's YouTube video.
He was diagnosed with cancer at a young age and is surviving.
He's currently in remission, however due to the rare form of cancer, it's unknown how long he will be in remission.
Here is a link to If You Don't Fight Cancer, You Don't Know Jack, on the Livestrong Blog.
So, please like Katalyst Systems TODAY, they will donate $10 to Jack's foundation.
Here's a link to Jack's page.
Isn't he a cute kid.
He's brave and courageous.
Look at what one boy is doing to change the world.
Jack, we are proud of you.
Linking up to the original blog at: Katalyst Systems Inc
Jack is from Iowa where Katalyst Systems is based.
Monday, November 14, 2011
Mock Monday: On the Way
I'm sure you are all waiting for Mock Monday and wondering why it didn't appear today.
Sorry, but I was away and wasn't able to write up part 2 of the police officer's side of the story.
Mock Monday will be up again on Monday. Thanks for your patience!
Sorry, but I was away and wasn't able to write up part 2 of the police officer's side of the story.
Mock Monday will be up again on Monday. Thanks for your patience!
Friday, November 11, 2011
Thank You Veterans
Today we would like to take a few moments to honor and thank our veterans.
Our office is closed for business today in honor of our veterans who fought for our freedom.
Thank you veterans for fighting for freedom, for serving our country, for keeping us safe.
Here is a picture I found on the interwebs that I would like to share. I can take no credit for it. It's not mine, but I don't recall where I got it.

Take a moment and thank a veteran today. They will appreciate it.
Thank you for fighting. Thank you for fighting for our liberties. Thank you for facing the unknown so that we may be protected.
Thank you for taking care of us and proudly representing our country.
We appreciate you!
Our office is closed for business today in honor of our veterans who fought for our freedom.
Thank you veterans for fighting for freedom, for serving our country, for keeping us safe.
Here is a picture I found on the interwebs that I would like to share. I can take no credit for it. It's not mine, but I don't recall where I got it.

Take a moment and thank a veteran today. They will appreciate it.
Thank you for fighting. Thank you for fighting for our liberties. Thank you for facing the unknown so that we may be protected.
Thank you for taking care of us and proudly representing our country.
We appreciate you!
Wednesday, November 9, 2011
Texting & Driving
Are you familiar with the Massachusetts law that prohibits texting while driving?
Actually it prohibits most usage with a cell phone while driving.
If you are driving a car and get into an accident because of cell phone use...
You will face criminal charges.
You will also lose your license.
If you're a junior operator (under 18 years old) you will lose it for 180 days or 6 months. A second offense will have you losing your license for 365 days or 1 year.
If you're over 18 you will lose your license for 60 days or 2 months. A second offense will grant you a license suspension of 365 days or 1 year.
Harsh consequences.
But then again, car accidents are no fun.
We are detailing the start to finish of an accident, there's a lot involved.
Are you always connected?
Check out the OTTER app.
It's an app to help keep you safe while driving.
For those of you who want a PDF copy: Mobile Phone-Texting Law
Monday, November 7, 2011
Mock Monday: The Police: Part 1
Welcome back to Mock Monday! I'm glad you're back to join us. Did you read the first two installments of Mock Monday? If not, check it here and here.
Do you remember where we left off?
What are Terry's next steps?
1) Yell & scream
2) Play with her broken iPad
3) Speak to the police and exchange information
If you answered 3) Speak to the police and exchange information, you are correct. Of course it probably seemed like the obvious answer, and I'm sure Terry wanted to do all three, and maybe she did.
This week we're looking at the collision from the police officer's point of view. We'll call him Joe Smith.
Joe Smith was in his cruiser parked along a highway when he received a call for an accident dispatch. He was the closest police officer to the scene. The overview he received from the dispatcher went as follows: 1 van, 1 pick-up and 1 sedan involved in a 3 vehicle collision on Route 66 East, 5 or more people involved, possible injuries, 2 young children involved, airbags deployed.
Below is how he approaches an accident:
Joe immediately starts to go over in his head what he will need, what he needs to do and what is the best and fastest route. He was the closest officer in the area and he can get there within 5 minutes. Based on the overview he received from dispatch, he is assuming there are injuries. The accident happened on a highway where the average speed is 55 MPH. Joe hits his lights & sirens. He wants to get there as fast as safely possible, and police policy is to only go over the posted speed limit by 20 MPH. He knows he's no help if he gets into an accident on his way to the initial accident scene. He is thinking he needs to get there for possible injured person(s) and to safely secure the scene ASAP to avoid further injuries or complications.
Once Joe arrives at the scene, he parks his cruiser in a safe area so other traffic will recognize there is an accident scene and hopefully slow down and block the accident scene itself. He takes into account if someone were to crash into his cruiser, he parks it so the cruiser wouldn't be pushed into him or the accident scene. He does his initial assessment of the scene, how many vehicles, how many people, who is hurt, who needs to be seen by Rescue first, any fire danger with the vehicles, fluid or gas leaks, are there any electrical wires down, does he have enough help (does he need more than one ambulance, a fire engine, another cruiser for traffic, tow trucks, to call NSTAR to have power shut off if wires are down). If someone is hurt he confirms with Dispatch that a Rescue is coming and tells them the extent of the injured person on scene. Once everything is taken care of he obtains the operators, passengers and vehicle information. Joe investigates the accident, talks to operators, witnesses, takes measurements, photos if necessary, issues citation if appropriate.
To avoid further damage/injury, Joe makes sure the scene is blocked off so it is safe for everyone. If he has to shut the highway down to stop traffic, he will, to make the scene safe. If the damage to the vehicles is not bad he will have them move off the highway into a business lot, if possible, to free up the highway. If not, most likely one lane or both lanes will be shut down depending on the accident scene. The breakdown lane can be used to divert traffic. Most of the time people like to slow down and rubberneck the accident, which slows down traffic and creates a hazard. Other drivers become more concerned about seeing what happened than focusing on driving safely through the scene. Joe worries first about the people involved in the accident, making the scene safe and once they are all taken care of he will be concerned about the traffic.
If the people involved are hurt, Joe will have them stay in the vehicle as long as there is no risk of the car catching on fire. He feels they are safer sitting in the vehicle than walking around outside. Plus, if the person is injured you don't want them walking around.
In Terry's accident, Joe knows the airbags deployed, one of the drivers might have a whiplash injury. Joe would advise them to stay in their car and let them know Rescue is on the way. Joe leaves the children in the car seats until rescue can get there, unless they are not breathing and need immediate help. When there is an accident with young children involved the mother is going to be very concerned about them. Joe will reassure them they are safe. He also tells them what is going to happen once the rescue crew arrives.
From an insurance point of view, Joe carries Accident Exchange Forms. Time permitting he will fill one out for the operators, but it depends on the seriousness of the accident. The operators can always get the information later from the station. The forms have all the information you need to submit your claim to the insurance company: operator info, DOB, address, vehicle owner info, license number, make, type, color, year of vehicle, insurance carrier, time and place of accident. Joe tells them to contact their insurance agent, let them know they were in an accident and provide the information from the Exchange forms to submit the claim. Joe also advises them to complete a Massachusetts Motor Vehicle Crash Form available at the station {and here} regarding the accident. If there is damage to utility poles, guardrails, signs, personal property the police have to document and advise the property owners.
Most of the time the police are first on scene of an accident. As a First Responder they can assess injuries at the scene and relay the information to the Ambulance while en route. Once they arrive on scene the police can direct them where to park and direct them to the injured. The police on scene will give a quick brief (the driver of the mini van is complaining of neck pain, there are two children in car seats, air bags were deployed).
If there was a tow truck and injuries the start to finish of an accident scene would be 60-90 minutes (could be longer based on a few factors: injuries, traffic, etc).
This week took a little longer than expected for the police procedures. Next week we will learn more about the police assessment of Terry's situation. Hopefully there will be time for the medic assessment.
Please check back next week for The Police: Part 2 - HOW will Joe react when he arrives at the scene? What will Officer Smith's first step be?
*Please note, no REAL persons were involved. This is pretend. Nothing of this is real. Every accident is different.
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