Wednesday, May 30, 2012

I got my start in a Toyota Corona...

A few Wednesdays ago, I told you we would hear how Andrew Roth got his start in the insurance gig. Well, he's here today to talk about Toyota Coronas, or how he joined our agency.

{image}
How did I get into the wonderful world of Insurance? I think it was a career path, wait I KNOW it was the career that I was meant for. But just a few years ago I was unaware of this simple fact. I have always been careful and methodical in managing my own risk. As a little boy I would always look twice before crossing a street. When I got my driver's license, I learned to constantly check my mirrors and look around for impending dangers. Something simple, such as looking two cars ahead of me to see when they brake, can eliminate an accident. I have only been in one accident in my life. {knock on wood} I was newly licensed, just woke up from a nap on a lazy summer afternoon, immediately jumped into the car that I shared with my two older brothers (check out this beauty: Toyota Coronabacked out of my driveway and hit a brand new landscaping truck. After the accident I had a nice “talk” with myself. I was not alert enough to drive so it wasn’t intelligent of me to get behind the wheel. This was an avoidable accident. Had I allowed myself a few extra minutes to wake up and be more alert I would not have been in this accident, because I would have been more careful. This was my first experience with Insurance, but still I did not know this would be my career.
After graduating from the University of Massachusetts with a business degree, I worked for Fidelity Investments. I worked in various roles and stayed with the company for a little over five years. About a year ago my wife Kathryn, a native of Falmouth and an alumni of UMASS, asked me if I was interested in moving to Cape Cod.  After a long deliberation of five minutes I said,"Sure!" Her commute would be doable, but my 75 mile commute was ok with me. And thus began my search for a new job.

I knew I wanted to stay in the Financial Services Industry so I began looking at two segments: Financial Advisor and Insurance. I experienced five years of working in a large office (around 1,000 people) so I was excited about the differences that working in a smaller office may have. After a month or so of searching for an open position, I hadn’t had much luck.  I knew that we were and still are in a tough economy so I started to become a bit nervous about finding a good job this side of the bridge. My wife Kathryn, who was helping me search, came across an ad on www.capecodonline.com for a Commercial Sales Associate position at Murray & MacDonald Insurance. After a few interviews I was offered a position and the rest is history. - Andy Roth

Thank you Andy for sharing your foray into the insurance industry. We're happy to have you with us.
Join us next week on Working Wednesday as we hear from Jim Hyatt, VP of Personal Lines at Arbella Mutual Insurance.

Friday, May 25, 2012

Distractology 101

Last Friday, we posted a video of Tim Thomas testing the Distractology simulator. This week we are interviewing Katie Rush of Arbella Mutual Insurance. Katie joined Arbella in 2010 as a Marketing Support Coordinator. She assists the agencies with promoting the simulator to community.

1)      How did Distractology 101 begin?

John Donohue, chairman, president and CEO of the Arbella Insurance Group and chairman and president of the Arbella Insurance Group Charitable Foundationbegan to see an increase in the number of incidents young drivers were having and decided to research it further.  Dr. Fisher {Professor and Department Head of the Mechanical and Industrial Engineering Department at UMass Amherst} had been researching distracted driving for a long time; focused on drivers with 0-3 years of experience {inexperienced operators}. He created a simulator in his lab at UMass Amherst. It was a real car with three large screens in front of it, to display the simulations.  John saw this simulator and believed this would be a great tool  to educate young drivers. In order to maximize the number of people we could get to, he had an idea to mobilize the simulator.  His idea was to build a simulator in a trailer, make it mobile, travel New England to reach more inexperienced drivers. John and Dr. Fisher both have a goal to create awareness and educate inexperienced drivers of the dangers of distracted driving.

2)      How successful has the program been?

When we started, we didn’t know what the response would be from the agents and the communities. With the help of the agents, we were able to generate awareness in the communities and create a lot of awareness. Students take a lot away from Distractology 101; they take it seriously.

At the end of the course, we take a survey of young drivers who completed the course; we ask the question, “Would you recommend to friends?”

64% of young drivers would recommend to friends in 2010.

75% of young drivers would recommend to friends in 2011.

The interest is increasing which heightens awareness around distracted driving. Students will also be more inclined to talk about it with their peers. Not ALL teens can complete the program, but as word spreads, there will be an increased awareness to be safe drivers.

To put that in perspective, across all industries, the average response for the question “would you recommend to friends” is 16%. Anything above 50% is excellent.

3)      Who has shown interest in using the Distractology Trailer?

We have a long list of agents. I’ve received calls from students, parents, driving schools, high schools, colleges and news programs. Not only around from around New England but across the United States. In fact, we were on the Today Show in 2010 when Meredith Viera went through the simulator. We have also been on Fox News and many other local news outlets. You can view our press coverage here: http://www.distractu.com/Press.aspx. We had many calls, but we haven’t been able to make them all work because of timing. We currently give priority to our agencies, because it was created to partner with them.

4)      What does it take to run the program?

In order to have a successful week, it takes a lot of work from the agencies. I work with each agency to help them create a week that will make a difference. Each week is very different.  I give advice to the agencies on what has worked for us in the past and help customize marketing materials. The agencies do the hard work in getting the seats filled. It takes a lot of effort to reach out to local schools to partner with and set up with them, or reach out to their community and insured’s to help spread the word. The key is to get the kids signed up and in the seats. Word of mouth is really a key marketing tactic. Speaking with the parents about the benefits, helps gets the kids in the seats. When the kids start to go through then they tell their friends about it. We use other materials such as posters, postcards, handouts, telephone calls, videos, etc. Anyway the agency can saturate the community with Distractology and what it is. 

5)      What do the statistics say about distracted driving? What constitutes as distracted driving?

According to the US Department of Transportation, in 2009 20% of injury crashes involved reports of distracted driving. Nearly 5,500 people were killed in 2009 and over half a million injured due to distracted driving. According to the Univerity of Utah, using a cell phone while driving, whether it’s hand-help or hands-free, delays a driver’s reaction time just as much as having a blood alcohol concentaration at the legal limit of .08 percent. This is an issue that doesn’t seem to be going away and we want to make sure everyone is educated on how dangerous it really is. It only takes a split second.

Statistics

US Department of Transportation

20% of injury crashes in 2009 involved reports of distracted driving. (Source: NHTSA)

Nearly 5,500 people in the U.S. were killed and almost half a million were injured in accidents related to distracted driving in 2009. Eighteen percent of those fatal accidents involved the use of a cell phone. (Source: FARS and GES)

The age group with the greatest proportion of distracted drivers was the under-20 age group – 16 percent of all drivers younger than 20 involved in fatal crashes were reported to have been distracted while driving. (Source: NHTSA)

Nearly one in three young adults texts while driving (Source: Consumer Reports National Research Center study)

Using a cell phone while driving, whether it’s hand-held or hands-free, delays a driver's reactions as much as having a blood alcohol concentration at the legal limit of .08 percent. (Source: University of Utah)

Driving while using a cell phone reduces the amount of brain activity associated with driving by 37 percent. (Source: Carnegie Mellon)

Drivers who use hand-held devices are four times as likely to get into crashes serious enough to injure themselves. (Source: Insurance Institute for Highway Safety)

The National Safety Council

Studies have shown little or no documented difference between the risk associated with handheld and hands-free devices. These studies indicate the distraction comes from the conversation, not holding the phone. (Source: University of Utah)

The annual cost of crashes caused by cell phone use is estimated at $43 billion (Source: Harvard Center for Risk Analysis).

Cell Phone Laws as of March 2011 (Governors Highway Safety Association)

Text messaging is banned for all drivers in 30 states and the District of Columbia. Eleven of these laws were enacted in 2010. An additional eight states prohibit text messaging by novice drivers.

The Massachusetts ban on texting while driving went into effect September 30, 2010.

A jurisdiction-wide ban on driving while talking on a hand-held cell phone is in place in seven states: California, Connecticut, New Jersey, New York, Oregon, Utah and Washington, as well as the District of Columbia.
6)      How concerned are you about Distracted Driving?

VERY! Because I work so closely with this program, it is constantly on my mind when I am driving. I have a long commute every day and see at least one person daily texting or looking at their phone and not paying attention. I have seen evern worse. Putting on mascara, reading a book/newspaper, eating, and even people with dogs on their laps. All of these things are taking our mind off what should be the main focus, driving.

7)      What should I tell a student who thinks there’s nothing to Distracted Driving?

Take the Distractology 101 challenge! They might think differently. A lot of kids will think they’re good at it, but they’re not as aware as they think they are. Read the news stories. I heard one the other day, a girl was texting on phone, swerved, hit someone, and killed them. It took just a second. Is the text you are responding to or reading really as important as a life?  If it’s that important to read or respond, pull over. If you can’t get into the simulator than anyone can try out the learning challenge to see how well they do. You might be surprised at the results: http://www.distractu.com/Learning.aspx

8)      How many students have gone through the program?

Since the launch of the program in April 2010, we have had over 4,000 students go through Distractology 101.

9)      Have you gone through the program?

I tried and I crashed! It only took a second! I thought that I am an experienced driver, so I would do ok. I think I got one letter out when I was trying to text. When I took the online learning challenge it was a real eye opener. I couldn’t believe how oblivious I was to something going on that was right in front of me (don’t want to give it away). I Parents watch and are faced with the reality of their young driver’s actions and almost learn just as much as their kid.

10)   Any closing thoughts?

I love working with Distractology 101, it’s a great program, and I truly believe in it. The more students and young drivers become aware of the dangers of distracted driving, the more we can affect people, they will decide not to text & drive. Distracted driving is getting worse & becoming a bigger issue. Arbella wants to get the message out because of the harsh consequences. It’s all about education, and it’s an important message.
 
 
Thank you for your time Katie. We appreciate it and we appreciate what Arbella is doing to get the word out. We are hosting the Distractology 101 at our office in Bourne: Murray & MacDonald Insurance Services, Inc, 550 MacArthur Blvd, Bourne, MA 02532
The simulator will be parked at the above location from June 4th – June 8th. We are currently taking reservations. If you or someone you know wants to sign up, please call us at: 800.800.8990 OR email us at: murmac@mmisi.com. You can ask for Kelly or Sara {that’s me}. You can also email me at: smacdonald@mmisi.com.

If you want to learn more about Distractology 101 you can visit the website at www.distractu.com.
Check out Paul Pierce and Tim Thomas try their hand at Distractology 101.

Links to Distracted Driving press:

http://www.distractu.com/Press.aspx
http://liveshots.blogs.foxnews.com/2010/05/27/driving-simulator-aims-to-save-lives/
http://www.necn.com/11/29/10/Teens-get-crash-course-on-distracted-dri/landing.html?blockID=362784&feedID=7257

Wednesday, May 23, 2012

Growing Up "In The Business"

This week's Working Wednesday is brought to you by Larry Hazen {agency owner, sales, IT coordinator, consultant} of Hazen Enterprises.
Larry and I first met at an insurance event held by Vertafore for Agency Management Systems {basically a database that holds all the information we need}. Larry assisted me in getting involved with meetings and annual events in New England specifically for Vertafore user.  He was similar to me in that he was "born into the industry". Without further adieu, his story.


My family has been in the insurance business for some time. On my mother's side, my Great-Uncle, was an underwriter in Zurich, Switzerland. He came to work in an office outside of New York City in the 1930s. On my dad's, my Great-Uncle, left the Air Force and purchased an insurance agency in the 1940s.

While residing in New York City, my Dad, worked for an insurance company while dating my mother. My dad was raised on a farm in Woodstock, Vermont, and when they had enough of the city life they moved to back. Once they arrived to town, my Great-Uncle {insurance agency owner}, asked my father and my uncle if they wanted to work there. They accepted and began work with my Great-Uncle. They worked for about fifteen years before purchasing the agency from him.

As a child, my siblings and I were never allowed in the office, unless it was a life or death situation. Heaven forbid a child go to "the office" in the middle of town owned by an uncle and Dad. To this day I cannot figure that one out...

I graduated High School and went to Florida with two high school buddies. We were sick of the small town and wanted to explore the world. My two buddies left after six months; I enjoyed myself in Florida for three years. Was I in the insurance  business in Florida? Nope, not insurance for this young man. I was a manager for the Colonel, Colonel Sanders that is. Once I had enough of Florida and the Colonel, I moved back to my hometown and worked with friends painting houses by day and bar-tending by night.

After six months of being home my father called me to "the office". That may have been the first time I was invited to the office, so I knew "something was up".  I arrived at the office to meet with Dad and asked "What's up?" He asked if I ever considered working in the office. {Note: At this point in my life, I did not go to college, I moved 1,500 miles from home and returned to paint houses and bar-tend. He wants to know if I want to work in "an office".} I asked why. He told me his employee/producer of five years was leaving to purchase another agency in town {coincidentally was in negotiations with my Dad to purchase}. Dad was in a dilemma.

1) Ask me to join the agency (I was the oldest of four, none of my siblings wanted anything to do with an office, they wished to continue on with their own career paths).
2) Sell the agency (His last endeavor with the employee who left, he decided not to take on other partners, except me).

"How long do I have to decide?"

His reply was simply, "Tomorrow would be great."

Newly married, recently purchased an 1850s farm house in need of a lot of work, this was a pressing decision to make overnight. I went home to my new wife and discussed it with her.  The next day I went to "the office" and told my Dad I would join him. 

That is how it all started, and I am glad I made that decision. It opened up areas of opportunity I would not have if I had not made that decision. Our agency was a Travelers appointment; they had training options for me: home/office study and an agents school.  Upon departure from the Travelers Agent School I came back to the office to sit and learn the financial side of the business. A few years after working with the bookkeeper, one of our "girls", as they were termed in those days, decided to retire after working for the office since high school,  fifty years. When Dad advised me Francis was leaving I asked if I could
replace her with a computer instead of another person. {This was the early 80s; computers were just getting started in the workplace and insurance agencies.} My Dad nearly fell on the floor, not a good thing for a 200+ pound man. His response, "Have you figured out how much the machine costs vs an employee?" I had done my homework and reported there would be a small savings, and it would help us in the future as many insurance companies and agencies were joining the computer train. In a nutshell, how I got started in the 35 years of being in the insurance business as well as the computer consulting side of life as it is today.

Larry Hazen

Thank you Larry for guest blogging today. That is quite the story!

Friday, May 18, 2012

Tim Thomas' Reflexes aren't enough... at Arbella's Distractology

Last Friday, we wrote about Paul Pierce and included a video clip of him trying out Arbella's Distractology simulator.
Today, we have a video of Boston Bruin's goalie Tim Thomas as he tests the Distractology simulator.
He's a "highly trained athlete" and even his reflexes aren't enough.
Check it out below.


Call or email our agency to sign up: 800.800.8990 or murmac@mmisi.com.
The trailer will be parked at our Bourne Location: 550 MacArthur Blvd, Bourne, MA from June 4th - June 8th.

Friday, May 11, 2012

Paul Pierce and Distracted Driving

Arbella Insurance created a course called Distractology 101.
You may have heard of it.
They built a trailer, a simulator and told students to text and drive at the same time.
Recipe for disaster or education?
Arbella's goal is to educate young drivers and it's working.
Schools around Massachusetts are requesting Arbella's Distractology trailer.
Call or email our agency to sign up: 800.800.8990 or murmac@mmisi.com.
The trailer will be parked at our Bourne Location: 550 MacArthur Blvd, Bourne, MA from June 4th - June 8th.
Below is a quick video of Paul Pierce of the Boston Celtics testing out the trailer!


Hope to see you in June!

Wednesday, May 9, 2012

Corporate World to Small Business Owner

Welcome back to our 'Working Wednesdays' series. Please continue to check back each Wednesday as we follow how people have taken various roads into the insurance industry.

Douglas MacDonald, the current President and CEO of Murray & MacDonald Insurance will talk about how he joined Charlie and eventually became the owner of the business.

{Douglas MacDonald - age 16}
 Douglas worked in the finance department at General Motor’s assembly division in Framingham, MA when the plant was temporarily shut down in 1982. During this time he took the opportunity to pursue a new career. His wife Maria was pregnant with their first child, she was due in January 1983. 

He interviewed several successful career professionals from different industries, several of whom were successful insurance producers. He often heard them explain, "the first few years are challenging to break into the business, but if you were able to succeed and survive, insurance offered a great career path". One established Sales Producer commented, “the first five years you are underpaid for what you do and from then on you are overpaid for what you do”.

Douglas sought a position in the financial services field when Charlie Murray called him at home one afternoon. He had heard that Douglas was looking for a career in the insurance/financial services industry through a mutual acquaintance and wanted to interview him for a sales position in his Falmouth office.

Although Douglas wasn't very interested in moving from the Boston area, he decided to meet Charlie and explore the opportunity. He made a day of the trip to Cape Cod and brought Maria and their now new born daughter Sara. They explored the area while Douglas went to the interview. At that meeting Charlie promised Douglas if he worked hard, and played his cards right, he would have an opportunity to become a principal at Charlie's agency within four years. Douglas was twenty-four years old at the time. After the interview Charlie came out to meet Maria and see his daughter Sara at the 406 Jones Road office. He invited them to return to the Cape, but this time for dinner with his wife at the Dome Restaurant in Woods Hole, MA.

When Douglas & Maria returned for the dinner interview, Charlie drove them around the area: Woods Hole, Nobska, the beaches of Falmouth, all the beauty Falmouth had to offer. Maria looked at Douglas and said let’s move to Falmouth. He took the job {commercial lines sales producer}.

Much has happened since Douglas joined C.M. Murray Insurance Agency. There is much to tell. So look for Douglas' continued story on how he helped grow the business to where Murray & MacDonald Insurance is today.

Next week on 'Working Wednesday', we will hear about how Andrew Roth, a Commercial Sales Associate, joined the insurance world.

Monday, May 7, 2012

Working at the Car Wash

We don't have a car wash and our employees don't work at a car wash.
But, we do offer our location, fresh, cold water and hoses for charity purposes.
What? Who wants an insurance agency and cold water?
These girls did!
IMG_0465
Why? Allow me to elaborate.
We allow students and charities to raise money by hosting car washes at our Falmouth location at 406 Jones Road.
Above is a picture of the girls on the Falmouth High School Softball Team. Below is a kind letter they wrote thanking us for the use of our location and above is a picture they provided us.
Dear Murray & MacDonald Insurance,
On behalf of the Falmouth High School Softball Program, we want to thank Murray & MacDonald Insurance Services for allowing us the opportunity to hold our car wash at your business.  With your generosity, we were able to raise funds necessary to provide the girls in our program with the little extras that are not provided through the budget.  It is to businesses like yours that reach out into the community during these financially difficult times that we are truly grateful.  We are looking forward to continuing a working relationship between Murray & MacDonald Insurance and Falmouth High Softball.
Most Sincerely,
Louie Falcone
Falmouth High School Softball
We don’t need pictures or a thank you, but it was appreciated. We were happy to help them raise money for their program with some blood, sweat and tears, or maybe in their case it was sweat, hoses, and cars.
If you or someone you know needs to raise money for a club, sport, charity, etc. Please call 508.540.2400 and speak with Janet, our receptionist, to set up a date on the calendar. They fill up quickly, so plan in advance! You can also email Janet.
Thank you Falmouth High School Softball Team for your fun picture and kind note!
Best wishes in your season!

Friday, May 4, 2012

New Law: Text While Drive to Pass Your License

If you follow this blog, you probably read about the OTTER App. The smart phone app that silences your phone while the car is traveling faster than 10 mph.
Recently I came across an interesting video on YouTube.
It was filmed at a Belgian driving school.
Watch it.

The instructor told the students that in order to pass their driver's license, they had to pass a texting test. If they didn't pass the texting test, they wouldn't get their driver's license...
Interesting take on texting while driving.

Public Service Announcement: We are hosting Arbella Insurance's Distracted Driving Trailer from June 4th - June 9th. If you are a newly licensed driver OR your have a son/daughter who is a newly licensed driver, you don't want to miss out. You can RSVP by emailing Sara MacDonald.

Wednesday, May 2, 2012

From Oil to Insurance

http://www.google.com/imgres?um=1&hl=en&sa=N&biw=1440&bih=844&tbm=isch&tbnid=oH6zRmj7z8e1BM:&imgrefurl=http://www.proactiveinvestors.com/companies/news/27683/tethys-petroleum-announces-first-oil-sales-through-kazakh-terminal-shares-up-27683.html&docid=aIAmg8YN7fJk_M&imgurl=http://www.proactiveinvestors.com/genera//img/companies/news/oil_barrel_stack_350_4f87e4a255253.jpg&w=350&h=291&ei=f6OhT_XeDYb06AHC6bTlCA&zoom=1&iact=hc&vpx=536&vpy=505&dur=577&hovh=205&hovw=246&tx=163&ty=139&sig=102026316357806167290&page=1&tbnh=143&tbnw=172&start=0&ndsp=27&ved=1t:429,r:22,s:0,i:183
{image}
Welcome to the first in our series of ‘Working Wednesdays’. Please check back each Wednesday to discover the various roads people have taken into the insurance industry.

Today is especially close to my heart, because we will learn how Charlie Murray jumped into the insurance industry. Charlie is the founder of Murray & MacDonald Insurance, and without him, our company wouldn’t be where it is today, and I wouldn’t be in the position I am today. You can read more about how I (Sara MacDonald) worked my way into the insurance industry at “insurance is a career”.

Charlie was married with five young children. He was happy and satisfied with a career in the heating and oil business. Charlie was a General Manager for Wright Oil Company, and as manager, each day presented itself with new challenges for Charlie to tackle. He was a “people person” with high energy and considered it a pleasure to be involved in the community.

However, much was to change due to an electrical problem Charlie experienced at his house.
Charlie's house was at the end of his street. Another home was set to be built nearby and a local builder asked to tie into Charlie’s house for electricity. Initially Charlie declined and suggested they set up a temporary pole for the electricity. The builder was eager to start building and said setting up a temporary pole would delay the build. Charlie acquiesced, the builder tied into Charlie's electrical panel and commencement began on the neighboring house.The builder kept blowing fuses and coming to Charlie’s basement to reset. At some point, the wires fused, the breaker did NOT go off and caused high voltage to stream through Charlie’s home burning wires and appliances without their own breakers. The builder suggested his insurance company pay for damage to Charlie’s home, but Charlie sought the advice of his local insurance agent. His agent insisted Charlie put a claim against his own homeowner insurance policy. This resulted in deductibles, depreciation on items in his home, etc. Charlie soon realized the advice he received from his local insurance agent was wrong and caused him unnecessary financial pain; he should have gone with the builder’s suggestion.

Unfortunately, or fortunately it was poor guidance… Charlie decided Falmouth needed an insurance agency that would provide personal service and attention, in the sale of insurance, and in advising the client long after the sale.

Within one year, he studied, took the necessary insurance exams and prepared for the beginning of C.M. Murray Insurance Agency, Inc {Murray & MacDonaldInsurance Services}.

In November 1971, Jacoby Real Estate gave Charlie a very small book of insurance {in the realm of $4,000 in sales, which may have been $800 in revenue} at the rear of a their real estate office on Queens Buyway, he had a desk, a telephone and no staff.

It was a small book of business, but it gave Charlie the jump start he needed. He represented one company, and he was focused on his goal: provide personal service and attention to his clients for the duration of their insurance policies.

As sales increased, Charlie realized he needed to add staff. In 1972, he moved the agency to Tataket Square, he added staff and a modern office was established. Soon the agency was reaching far beyond Falmouth and new insurance products were regularly added to their business portfolio. Owning an agency allowed Charlie a broadened involvement in the civic activities he enjoyed.
Continued growth required larger office space; they had approximately 6-8 employees and no longer fit comfortably in the Tataket Square office. The decision was made to purchase and renovate 406 Jones Road, in Falmouth, Massachusetts to accommodate said growth. It was a residential home, and the owner wanted to sell. Charlie purchased the building, renovated it and began the rezoning process from residential to commercial. Initially, the zoning board turned down his request stating it would expand the business district. Charlie, persistent and focused on continuing his dream of advising clients with their insurance matters, took his request to town meeting. He gave a visual with maps that illustrated it would not expand the business district, but include the building in the business district already established and completely surrounding it. He was granted the change and thus began C.M. Murray Insurance Agency, Inc, today known as Murray & MacDonald Insurance Services, Inc.

Next week on ‘Working Wednesday’, we will continue the history of our organization, with Douglas MacDonald, the current owner telling his story.
{image}