Common Insurance Needs for Summer Months
Whether you plan to take the summer off or your business is entering one of its busiest seasons, both individuals and business owners must protect themselves against unforeseen hazards that arise when the weather gets warmer. There are common insurance needs in the summer months that should be considered in the interest of mitigating risk and protecting your business and other valued assets from costly damage or claims.
FLOOD INSURANCE
Summer storms can cause major flooding during the warmer months. Because standard homeowners’ insurance policies do not cover damage caused by flooding, one of the most popular insurance needs in the summer months is supplemental flood insurance.
LIABILITY INSURANCE
From swimming in pools to jumping on trampolines, outdoor play increases during the summer months and so does the risk of accidents. Taking safety precautions like never letting children swim or play unattended and building gates around these play areas are important. But it’s also essential to ensure adequate liability coverage or umbrella insurance as part of your homeowners’ policy in the event that something goes wrong.
SHORT-TERM & LONG-TERM RENTAL INSURANCE COVERAGE
If you plan to rent out your primary residence or vacation home this summer, you should consider added protection. Adding a rider to an existing insurance policy and purchasing a business or landlord policy are just some of the ways you can protect against claims related to property damage, personal property theft or damage, or other costly events when renting your property.
HULL INSURANCE
Hull insurance covers damage to any remote control models or drones. This can include recreational usage or business usage (such as drone photography). Additionally, On-Boarding Insurance would cover damage to anything these devices would be carrying (such as a camera).
You may also want coverage to protect yourself from liability, should your vehicle damage any person or property.
EFMA Welcomes Deb D’Anniballe
We are pleased to announce the hiring of Debra D’Anniballe as an Account Manager on our Commercial Lines Team.
Debra D’Anniballe joined Emerling Floss Murphy & Associates in May 2022.
She specializes in large commercial accounts, and brings with her 21 years of experience in the insurance industry. She is a member of The Institutes and has her CISR.
Deb graduated from Monticello High School and Bryant and Stratton College.
She resides in Lockport, NY with her two sons and her Boxer, and loves spending time doing “anything outdoors.”
Spring 2022 Quarterly Newsletter
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Winter 2022 Quarterly Newsletter
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EFM&A Welcomes Ian Hurtubise
Emerling Floss Murphy & Associates is pleased to announce the hiring of Ian Hurtubise as a Group Benefits Consultant. Ian specializes in disability and has his NYS Life, Accident, and Health license.
He loves learning about how his clients impact the WNY area, and he loves working and educating his clients about Group Benefits.
Ian lives in East Amherst with his fiancee, Jessica his dog, Pepper, and his cat, Pita. Outside of work he coaches college hockey, he is renovating his new house, and he enjoys hiking, biking, or running with Pepper!
Emerling Floss Murphy & Associates Group Benefits department has substantially grown throughout the past year, especially as businesses have adjusted their portfolios to attract and maintain employees.
Emerling Floss Murphy & Associates serves as an intermediary between companies and several Group Insurance Companies, helping match plans that best suit the needs. The clientele ranges from businesses with less than five employees, to large corporations with thousands of employees. The Group Benefits team has specialists that cover this range, along with a strong support team that ensures a streamlined rollout to the employees.
Car Gift Ideas: 39 Car Accessories, Gadgets and More
With Christmas quickly approaching, you’re running out of time to get the perfect gift for those special people in your life.
Here’s our list of the top car-related gifts you can buy for your friends and family – from the commuting road warrior to the die-hard auto enthusiast, and everyone in between.
CAR GIFT IDEAS FOR COMMUTERS
- Wireless charger: These days, our smartphones are an essential piece of equipment – which can make keeping them fully charged a challenge. A charging pad for the car means they’ll never have to think about plugging in a smartphone. Just place it in the console and the power flows automatically.
- Drinkware: Cold brew is cool – unless you’re prepared for piping hot. A vacuum-insulated travel mug will keep hot drinks hot (or cold drinks cold) for hours on end, making them the perfect accessory for any long commute.
- Dashcam: Accidents happen. And if you’re logging lots of miles behind the wheel each day, the likelihood of a fender bender is even higher. A dashcam easily mounts to the car’s windshield and will record everything that happens from the moment you turn the key. This can provide important evidence in the event of an accident, especially during a hit-and-run.
- Jump starter: Click-click-click…that dreaded sound means your battery’s dead. You could call Emergency Roadside Service or ask a stranger for a jump start (assuming one of you has jumper cables). But the fastest, easiest and safest way is to use a battery jump starter. These portable booster packs feature a battery that’s powerful enough to jump a car on its own. Best of all, new models by companies such as NOCO and Stanley are compact and won’t break the bank.
- Emergency kit: A well-stocked emergency kit is important for every driver. But this is especially true for those who spend a lot of time on the road. Buy a premade kit from your local auto parts store or assemble your own car emergency kit.
- Bluetooth receiver: Do you know someone with an older car that doesn’t have Bluetooth capability? No problem! Just buy a Bluetooth receiver, plug it into the car’s auxiliary power outlet (cigarette lighter), and they can play tunes wirelessly through the radio using the built-in FM transmitter.
- Custom floor mats: During rain and snow, those carpet floor mats that come standard with your car can turn into a wet, filthy mess. Universal all-weather floor mats provide a step up. But for the best protection, consider a more custom solution. You can buy rubberized floor mats designed to fit perfectly in any vehicle from companies like WeatherTech or the vehicle’s manufacturer.
- Phone mount: Cell phone use is by far the top cause of distracted driving. Help keep their eyes on the road with a dash- or windshield-mounted phone holder. A mount will make for safer driving when using key smartphone features, like GPS navigation – but remember, always keep your hands on the wheel and eyes on the road.
- Audiobooks: Know someone who wants to make more time for reading? Help them use all that commuting time to their advantage. It’s easy to play an audiobook from your smartphone and listen to it during a drive. To satisfy their inner bookworm, consider a gift card to Amazon or a subscription to a service like Audible.
- Music subscriptions: After hours in the car, you can get tired of the same old music. And if you’re using a streaming service or listening to the radio, hearing the same ads on repeat is even worse. Buy a premium subscription to a streaming service like Pandora, Spotify, Amazon Music or Apple Music – or a subscription to SiriusXM satellite radio – to give the gift of ad-free music enjoyment.
- Tire inflator: Low on air? A portable tire inflator will plug into their vehicle’s power outlet and allow them to fill up anywhere, no gas station required.
- Steering wheel desk: Working from the road can be tough. Improve the ergonomics of their mobile workplace with a desk that attaches to the steering wheel. It makes for a great place to send a few emails, or even eat lunch – while you’re safely parked, of course.
CUTE CAR ACCESSORIES
- Steering wheel cover: Add some extra style to their ride with a custom steering wheel cover to match their personality. (Think: leopard, Aztec, boho, or bling.) Or choose something soft and fuzzy to take the edge off that winter cold.
- Headrest hangers: These specially designed hooks attach to the posts of a headrest, allowing them to hang nearly anything into the backseat. They work great for bags, purses or clothing.
- Seat covers: Whether their car’s seats are worn and stained, or they’d just like an added pop of color, seat covers can be a great solution. You can even buy a heated seat cover that plugs into the vehicle’s auxiliary power outlet, if they drive a car that didn’t come with factory-installed heated seats.
- Interior lights: Brighten up the interior of any vehicle with LED lighting strips. These lights are designed to be mounted in the footwells of the car for better visibility. They’re easy to install, and you can even customize the colors through a mobile app. (Just make sure the mood lighting doesn’t distract you on the road.)
- Glove box organizer: Do you know someone who struggles finding their registration and proof of insurance when they need it? A glove compartment organizer can help keep everything well sorted, so it’s always there when they need it. (ERIE customer? Download the ERIE mobile app for access to your policy information at your fingertips.)
- Seat belt pad: Wearing a seat belt can save your life in the event of an accident. But the shoulder straps can also get uncomfortable over long periods of time. A seat belt pad wraps around the shoulder strap to provide some needed relief. And they’re available in tons of colors, materials and styles.
FUNNY CAR ACCESSORIES
- Key finder: Do you know someone who can never find their keys? A key finder, available from companies such as Tile, makes it easy to find those lost keys. Just activate the keychain alarm from a smartphone, and they’ll save hours spent digging through couch cushions.
- Model car: Shopping for someone whose dream car is an exotic Porsche, Ferrari or Lamborghini? You may not be able to get them a new ride, but you could make a joke out of buying a scaled-down version from Lego or Hot Wheels.
- Hula dancer: Bring back some retro style with a vintage dashboard doll. Choose the classic hula dancer, or any number of other bobbleheads available. (Just don’t let all that wiggling distract you from the road.)
- Fuzzy dice: Speaking of retro, nothing screams 1950s car culture like a pair of fuzzy dice hanging from the rearview mirror.
- Seat gap filler: Always losing things in the gap between the seat and the car’s center console? Save them from searching that seemingly bottomless pit with a seat gap filler, like Drop Stop. Originally a Shark Tank invention, this car-related gift may seem ridiculous, but it can actually be quite helpful in the moment.
- Trash can: From fast-food wrappers to disposable masks, car clutter can drive you crazy. For your messier friends and family, a mini trash can could incentivize them to keep things a little cleaner.
- Bumper stickers: Bumper stickers are the original funny car accessory. With thousands to choose from, you’re bound to find something that fits their personality – or leverages an inside joke.
GIFT IDEAS FOR CAR ENTHUSIASTS
- Code scanner: We’ve all experienced the dreaded “check engine” light. Help them get to the bottom of why the light’s on with a code scanner. Just plug it into the car’s diagnostic port and use the scanner to pull the engine code. Newer versions can even connect to your phone for a more user-friendly experience.
- Detailing kit: Help the car lover in your life keep their ride clean with a detailing kit. There are tons of kits available that include items such as car wash, wax, microfiber towels, glass cleaner and tire shine.
- Driving gloves: For the serious driver, a pair of leather gloves can be a great gift. Though they’re probably unnecessary for newer cars with power steering, they can still help them feel like their favorite racing driver.
- Magazine subscription: Give them access to the latest news on what’s going on in the car world with a subscription to an enthusiast magazine like Car and Driver, Road & Track or Motor Trend.
- Driving shoes: Spirited driving in a car with a manual transmission can require some fancy footwork. Driving shoes, sold by companies like Piloti and Puma, offer a thin profile to improve pedal feel, with extra grip on the parts of the sole where it’s needed most.
- Tool kit: Having a small set of portable tools in your car can really help in a bind. This is an especially good gift for the car lover who loves wrenching on their own vehicle.
- Driving experience: Let them live out their automotive fantasy by taking an exotic sports car around a local road course. Or pretend they’re a NASCAR driver at the Richard Petty Driving Experience. A driving experience like this may only last a few hours, but they’ll talk about it for years to come.
- Tire pressure gauge: Running the right tire pressure at each corner of your vehicle can make a real difference in your car’s performance. Help them get an exact reading with a digital tire pressure gauge.
- Driving school: High performance driving schools aren’t like that drivers ed course you took in high school. Instead of parallel parking, they can take their car to a local race track and learn how to improve their skills behind the wheel from a seasoned pro.
GIFT IDEAS FOR PET LOVERS
- Portable vacuum: We love our pets. But the hair they leave behind… not so much. Buy the pet lover in your life a small portable vacuum to keep in the car. It’ll help clean up any hairball in an instant.
- Seat protectors: A muddy day at the dog park can mean hours cleaning the back seat after the ride home. Pet seat protectors are designed to lay on top of the rear seat, creating a protective barrier that’s easy to take out and wash.
- Safety harness: You wear a seat belt in the car to keep you safe. Your pet should, too. There’s a wide range of pet safety gear available on the market today, from harnesses and clips to leashes and carriers. Learn more in our guide on how to keep pets safe in cars.
- Air freshener: Scooby smells sweet…until he gets wet. (Ugh.) Get rid of that dreaded wet dog smell with an air freshener or deodorizer designed specifically for pets.
- Cargo liner: Does a pet frequently ride in the back of their crossover or SUV? A rubber cargo liner will keep any mess they create from damaging the vehicle. You can even purchase barriers to keep pets from jumping into the back seat.
FEEL RIGHT AT HOME
From your driver seat settings to the position of the steering wheel and your favorite station on the radio, your car is your safe haven on the road.
Protect Your Packages (And Your Home) During the Holidays
There’s almost nothing more convenient than online ordering – and this year will be a holiday season like no other.
With smaller gatherings and social circles, you’ll likely be shipping more packages to friends and family you’d normally see in person over the holidays.
Unfortunately, more packages being delivered could increase the risk of package theft. A study by C+R Research estimates that 36% of survey respondents have had a package swiped from their doorstep before they could retrieve it, and over 50% knew someone who’d had a package stolen.
Since online shopping is only predicted to increase, here are a few steps to protect your deliveries from what are commonly called porch pirates.
HOW TO PROTECT DELIVERIES FROM PORCH PIRATES
- Install a smart device. Various smart gadgets on the market can help keep packages secure. A video doorbell allows you to see and speak to the delivery person at your door through your mobile device. You can ask them to leave the package in an inconspicuous spot or activate your smart lock and have them leave it inside your door.
- Contact your carrier. Do a little detective work, and you may uncover some options through the delivery service. Many carriers now offer flexible options that let you schedule or reroute deliveries. For example, you could have them dropped off and held at a retailer near you, or deposited in a secure locker, such as gopost from the USPS. Before you order, check the alternative offerings from the carrier.
- Check your credit card policies. Some credit card companies offer protection against package theft to help you recover your losses. For specifics, get in touch with your credit card company to find out if this coverage is available and for how much.
- Track your packages. Reputable retailers often offer free package tracking so you can see when your purchase ships and where it stops along its journey to your front door. Being able to see when it might arrive can help you protect that package from theft.
KEEP YOUR HOME SECURE AGAINST HOLIDAY BURGLARS
Once you have your packages inside your home, you’ll want to protect them, and your own belongings, from holiday thieves. Here are some tips to help protect your home during the holidays.
- Keep doors locked. This almost goes without saying, but make sure you keep your doors and windows locked. According to 2019 data from the FBI, 37% of burglaries are unlawful entries, suggesting that doors and windows were not secured.
- Shore up your garage’s weaknesses. This part of the house has some weak points that make it pretty easy for an intruder to work their way in. If you park your car in the driveway, don’t keep the garage opener in your car; keep it in the house. Never store gifts in the garage, especially if your garage has windows and non-deadbolt locks on exterior doors. Finally, always use the deadbolt to secure the door from the garage into the house.
- Create that at-home look. With those short days and long nights, it’s a good idea to put your lights on a timer. You can also have a neighbor or family member park in your driveway intermittently. It’s a great way to fool a burglar into thinking of someone’s home.
- Discard wisely. What’s a sure sign to a burglar that your home is now filled with expensive gadgets? Empty boxes stacked next to your recycling bin. Instead, load them up in your car and find a place where you can drop these off.
- Conceal your gifts. Some people like to have gifts out ahead of the actual holiday. If these are visible from the outside, it can be tempting to a burglar. Keep your shades or drapes drawn. Or, if you like showing off your holiday decorations to your neighbors, consider storing the wrapped gifts in a closet or some other out-of-sight place until the big day.
- Be social media savvy. Do take lots of pictures of your holiday vacation or the delighted faces of your loved ones opening gifts, but be mindful of what you share online and when you share them. (Tip: You may want to wait until after you’re safely home to post on social media.)
11 Things to Do Before Leaving Home for the Holidays
If you plan to travel over the holiday season, you’re in good company.
Whether you’re headed near or far, don’t forget to look after your empty home. No one wants to dampen the holidays by returning to a burst pipe or a burglary.
Fortunately, taking a few simple steps can help you rest easy… and the right homeowners’ insurance can give you peace of mind, too. Follow these tips to keep your home safe and cozy – even while you’re away.
HOW TO MAKE YOUR HOME LOOK OCCUPIED WHILE YOU’RE AWAY
Burglars are less likely to target your place if they think someone’s home. Here are a few tips to keep in mind.
- Find a friend. Ask a trusted neighbor, family member, or friend if they’re willing to keep an eye on your place. (Pro tip: Have a backup on hand, just in case.) Even if they’re not house-sitting around the clock, it helps to have someone who can pop by on occasion and alert you right away if anything looks “off.” Ask them to keep an eye on the exterior, both front, and back. Give them a key so they can do a walk-through at least once. If they discover a broken or opened door or window, they should not enter the home and instead call law enforcement immediately.
- Take care of mail and deliveries. If someone can collect it, that’s also an easy way to keep tabs on your place. Otherwise, simply request that the postal service hold your mail. This is the holiday season, of course, so leave instructions for all packages too.
- Plan for trash pickup: Ask someone to move your bins. If your trash and recycling are sitting on the curb for longer than usual, that’s a dead giveaway that no one’s home.
- Don’t forget snow removal. Nothing screams “No one’s home!” like a driveway heaping with untouched snow. Hire someone to come by to shovel or plow your driveway and walkways. Ask a neighbor to pull up and turn around in your driveway from time to time, just to leave fresh tracks.
- Program your lights: You don’t need anything fancy – even a $20 smart plug can let you control your lights from anywhere with just an app. Old-school mechanical timers work just as well, too. Turn the TV on once in a while for good measure. The only rule? Don’t keep your house dark for days on end – that’s a surefire way to attract a burglar’s attention.”
- Go high-tech: Today’s home automation systems and connected home apps make it easy to keep things running smoothly when you’re away. If you’re the tech-savvy type, you’ve got options. Consider a video doorbell; motorized window treatments; or smart bulbs to make it look like you never left. (Other smart home tech like security cameras, sensors or smart locks can give you peace of mind, too.)
- Be mindful of what you post: Everyone loves adding a great selfie to their story, but consider waiting until you get home. Excessive posting is a reminder to those who follow you on social media that you’re away and could leave your home vulnerable to theft.
HOW TO PREVENT ACCIDENTS WHEN NO ONE’S HOME
Your home is probably your biggest investment. If your travel plans are scheduled for longer than a few days, here’s a quick list of things to check for safety before you leave.
- Locks and alarms: This one’s obvious, but make sure your doors are locked and your alarm system is set (if you have one). Secure any other entrances, too, such as your garage, windows, or pet doors.
- Thermostat: If you have a pet-free house, you can go ahead and lower the temperature to 55 degrees Fahrenheit. That’s warm enough to keep things from freezing but cool enough to give your furnace and energy usage a break.
- Water: Plunging temps can cause pipes to freeze and burst, causing thousands of dollars of damage to your home. Even a simple leak could slowly empty water and damaged appliances, furniture, and much more. Turn off the water main in your home before you leave. Then, drain the pipes by flushing the toilets and turning on the faucets. Finally, turn your water heater down to “vacation mode” so you aren’t spending money on keeping water warm when you’re not around.
- Electronics: Appliances can suck energy when they’re plugged in and not in use. Unplug everything that will not be in use while you’re away, including your washer and dryer, television, computer, toaster and coffee maker.
- Whether you’re traveling near or far, a little care and preparation ahead of time can help minimize the risk of something going awry. That way, you’re free to be present and make the holidays magical and bright with the ones you love.
How to Avoid Hitting a Deer
Autumn is beautiful, but it also introduces some fall driving hazards… deer collisions being one of them. From October to December, mating and hunting season make deer go on the move. For drivers, that means you’re more likely to hit one.
But have you ever wondered how your auto insurance can cover hitting a deer? Are deer collisions covered by comprehensive or collision coverage?
According to the National Insurance Crime Bureau, deer-vehicle collisions are the top animal-related claim in the U.S. Before you get too worried, here are some helpful tips on how to avoid hitting a deer… and how to handle things if you end up hitting one despite your best efforts.
HOW TO AVOID HITTING A DEER
- Know where the deer are likely to be. Areas with high deer populations are normally marked with a bright yellow sign. Deer also tend to graze in wooded areas or open fields. When driving your usual route to work, be attentive to areas where you’ve seen deer in the past – they are likely to cross there again.
- Be alert at sunrise and sunset. Deer are more active during dawn and dusk hours.
- Use your high beams. When possible, use your high beams for better visibility. The extra light will help make it easier to spot a deer, or other animals, lurking alongside the road.
- Don’t rely on deer gadgets. Whether it’s a deer whistle, deer fence or other type of product to scare away the deer… don’t rely solely on them to keep deer away. Research isn’t exact on whether or not these products truly work.
- When you see one… you’ll probably see more. Deer travel in groups. If one comes across your path, proceed with caution in case there are more.
- Don’t swerve. Swerving isn’t always the safest option. Hitting a deer might often cause less damage than swerving to avoid it… and then hitting a more dangerous obstacle, like a vehicle in oncoming traffic.
- Wear your seat belt. If you do hit a deer, wearing a seat belt decreases your chances of injury.
- Spread the word. When friends or family head out on the road, let them know to be careful and alert. Even a simple reminder can help prevent deer collisions.
WHAT TO DO IF YOU HIT A DEER
Taking the above precautions can help you avoid hitting a deer… but nothing can entirely rule out the possibility. Here are steps you can take after you hit a deer.
- Pull over. Move your vehicle to a safe place off the road. Don’t forget to turn on your hazard lights.
- Stay away from the deer. An injured deer can still lash out and hurt someone.
- Assess the damage. When you’re out of harm’s way, examine your vehicle and take photographs of any damage to your car. Use good judgement to know if your car is safe to drive or if you’ll need to call for a tow truck.
- Call for help. Depending on the circumstances, consider calling the police or an animal expert. While it’s not always required to file a police report, it can provide evidence if you decide to make an insurance claim. If the deer is still in the middle of the road, a trained professional from animal control, the game commission or your local fish and wildlife service can move it away for everyone’s safety.
- Know if you should file an insurance claim. An insurance professional can help you make the decision based on the specifics of your auto insurance policy. Talking with someone you already know and who is familiar with the claims process can help put your mind more at ease.
DOES MY AUTO INSURANCE COVER HITTING A DEER?
You can’t always predict if a deer will walk into your path, but if one does, we’re here to help get you back on the road as soon as possible.
We can help you customize an auto insurance package that fits your needs and budget.