Holiday Recipes from the Women behind McGriff-Williams Insurance

From the Kitchen of Margie McGriff

White Lily Cream Biscuits
These are the lightest and easiest biscuits to make. The butterfat in the heavy cream is all that is needed to make these biscuits be mouth watering and lighter than air. I talked a waiter into giving me this recipe when I was in Charleston, S.C. at a restaurant called Magnolia’s. You may add herbs, spices, or cheese to the biscuit dough. I like to put dill in them.

Makes 24 (1-inch) biscuits

2 1/2 cups White Lily self rising flour
1 1/2 cups heavy cream

3 Tablespoons butter, melted

Preheat an oven to 450 degrees.

Place the flour in a mixing bowl. Add the heavy cream and mix with a spoon until it starts to come together and forms a wet sticky dough. Place on a lightly floured surface, lightly flour the top of the dough, and roll it out a good 1/2 inch thick. Cut the biscuits with a 1-inch biscuit cutter, place on an un-greased baking sheet, and bake until golden brown, 8 to 10 minutes. Remove from the oven, brush with the melted butter, and serve immediately. Watch closely the first time you bake them. Everyone’s oven is a little different in baking.


From the Kitchen of Kathryn Williams

 Kathryn, wife of Mack Williams, has made the following recipe for the past few Thanksgivings.

Pumpkin Cheesecake Torte

1 1/4 cups graham cracker crumbs

1/4 cup melted margarine

1/2 cup sugar

2 eggs

2 – 8 ounce packages or cream cheese

3/4 cup sugar

1 – 16 ounce can pumpkin

3 egg yolks

1/2 cup milk

1/2 cup sugar

1/2 teaspoon salt

1/2 teaspoons cinnamon

1 envelope unflavored gelatin

1/4 cup cold water

3 egg whites, stiffly beaten

1/4 cup sugar

Cool Whip


1st layer – Combine graham cracker crumbs with butter and 1/2 cup sugar.  Put into 9×13 pan.  Beat 2 eggs, cream cheese, and 3/4 cup sugar.  Spread on crust and bake at 350 for 20 minutes.  Cool well. Over medium heat cook pumpkin, egg yolks, 1/2 cup sugar, milk, salt and cinnamon for 3 to 5 minutes or until thick.  Remove from heat and add 1 envelope unflavored gelatin which has been dissolved in 1/4 cup cold water.  Cool well.  When pumpkin mixture is cooled, beat 3 egg whites together until stiff, adding 1/4 cup sugar while beating.  Fold egg whites into pumpkin mixture.  Pour into cooled cheesecake.  Layer and top with, at least 8 ounces cool whip.  Refrigerate overnight.  This freezes and actually improves with age.

Uninsured or Underinsured Motorist Coverage in Florida

Uninsured or Underinsured Motorist (UM) coverage is designed to provide additional coverage in the event that you are involved in an accident with a driver that does not have any or enough liability coverage for your injuries. UM can also be applied in the event that you are hit by a driver that flees the scene of the accident. In general, UM covers what you would have received from the at fault driver’s insurance company, had the appropriate coverage been available. This would include but is not limited to medical expenses, lost wages, pain and suffering, etc. UM is especially important to have in the state of Florida because drivers are not required to purchase bodily injury (BI) coverage. There is a common misconception that UM coverage pays for the injuries and/or vehicle damage of the uninsured motorist. UM covers the policy holder, other drivers listed on the policy and passengers in the policy holder’s vehicle. In Florida, you are permitted to “stack” UM coverage, which is most common on policies that have multiple vehicles listed. Stacking does incur an additional charge; however, it allows you to collect from more than one of the automobiles you own in order to receive more coverage. There is also a coverage called Uninsured Motorist Property Damage (UMPD), but it isn’t currently available in Florida.

The Importance of Insuring Your Business at the Proper Value

Co-insurance, as it pertains to businesses, is a penalty imposed on the insured by the insurance company for under insuring the value of a building or business property. Almost all property policies have some kind of co-insurance clause. While you can usually clearly see the co-insurance percentage on a property policy, the clause on a business owner’s policy (BOP) is usually not as obvious. A commonly used phrase for co-insurance on a BOP is the “insured to value” clause.

The most common coinsurance percentages are 80%, 90% and 100%. Accurately insuring your property at the proper value is critical, as a penalty can and likely will be imposed if you are found to have under reported the value of your property. Business owners sometimes under report the value of the property to pay a lower premium; however, this is NOT recommended. It is critical that values be accurately reported and updated to reflect inflation and other increases in cost. 

The formula used for the co-insurance clause is as follows:

Loss x [Limit of Insurance ÷ (Actual value of property at Time of Loss x Co-insurance percentage)]

= Loss Settlement


The following example, illustrates the potential consequence of underreporting the value of your property:

A building actually valued at $1,000,000 has an 80% coinsurance clause but is insured for only $750,000. Since its insured value is less than 80% of its actual value, when it suffers a loss, the insurance payout will be subject to the underreporting penalty. For example: It suffers a $200,000 loss. The insured would recover $750,000 ÷[$200,000 × (.80 × $1,000,000)]  = $187,500 (less any deductible).

 In this example the underreporting penalty would be $12,500.