McGriff-Williams Insurance Back-To-School Giveaway

In an effort to thank the teachers in our area and reward them for the work they have put into preparing for the school year, McGriff-Williams insurance is giving away three $100 shopping sprees for classroom supplies. Details of the contest are to follow.

Please help spread the word: Tell your children’s teachers, your teacher friends and feel free to share on social media.

Who can enter: Elementary, middle and high-school teachers in Alachua county or surrounding counties (Columbia, Union, Bradford, Putnam, Marion, Levy and Gilchrist.)

How to enter: In 140 characters or less, tell us how your classroom or students could benefit from $100 worth of additional school supplies. We encourage you to be creative with your entry. Including a single photo in your entry is acceptable. Only one entry may be submitted per person.

Entries can be submitted using the following:

Email: 140 character entries may be submitted by email to marketing@mcgriffwilliams.com, with the subject “Classroom Giveaway.”

Facebook: Entries of 140 characters must be submitted by writing on  McGriff-Williams Insurance’s  Facebook timeline.

Twitter: Use Twitter to enter and mention @mcgriffwilliams in your 140 character Tweet.

Entry dates: Entry must be submitted by August 13, 2014.

Prizes: Three $100 Staples shopping sprees for classroom supplies.

Winner Selection and Notification: The three winning entries will be selected and notified on August 15, 2014, by the means in which they entered. Winners will be asked to fill a shopping cart on Staples.com with $100 of merchandise. McGriff-Williams Insurance will order and deliver or ship the supplies to your school.

 

5 Ways to Save on Florida Auto Insurance

Looking to save money on your auto insurance? Although not all companies offer the same discounts, here are some opportunities to save that may be worth inquiring about next time you speak with your insurance provider.

1) Homeowners discount: Some companies may offer the option to bundle your home and auto insurance, but because the Florida home insurance market is more limited and there are less companies that offer both home and auto coverage, bundling is not always an option. However, even if your home and auto insurance are with different companies, many auto insurers will offer a small discount if you are a home owner.

2) Multi-vehicle discount: If you and your spouse or children share a policy that has multiple vehicles on it, you may qualify for a discount with your insurance provider.

3) Good student: Depending on the criteria of your auto insurance company, if you are a licensed driver on the policy and can provide proof of a minimum GPA requirement (as determined by the company), you may be eligible for a discount.

4) Safe driver: If you have gone multiple years without a moving violation or an at fault accident, you may be eligible for a discount. The number of years required to qualify for the discount may differ depending on the company.

5) Occasional use: If you have a vehicle insured that you utilize infrequently and put a limited amount of miles on it per year, you may be able to decrease your premium cost for that particular car. The minimum annual mileage requirement may differ by company.

While these items may save you a little here and there, and may not qualify with all companies, we highly recommend you talk to your insurance agent to find out what other discounts are available. Some companies offer discounts based on your driving habits, which can be monitored with a device, and others offer savings for choosing an electronic policy rather than paper, in an effort to go green. Whatever discounts you qualify for, and no matter what company we choose. We recommend you contact your agent to find out more.

 

Why do I need boat insurance?

Posted by Kaitlin Gertner

Depending on the type of policy and the insurance company, your boat insurance policy may range from minimal coverage to superior protection. Be sure to consult with your insurance advisor about what your policy consists of. Below are a list of coverages that may be included, or may be able to be added:

Property Damage Liability (PD) coverage pays for the cost to repair or replace damaged property belonging to another person that you are legally obligated to pay for as a result of a boating accident. 

Bodily Injury (BI) coverage pays for the cost of medical bills and lost wages by an injured individual as a result of a boating accident. 

Medical Payments (MedPay) coverage provides for necessary medical care you require as a result of a boating accident, regardless of who is at fault. 

Comprehensive coverage applies for incidents such as vandalism, flooding, and fires that may damage your boat. Although many individuals consider or choose to only insure their boat during the summer months, these incidents can also occur on land, and by maintaining an annual policy you will continue to be protected. 

Collision coverage applies if you hit another object and cause damage to your boat as a result. 

Uninsured or underinsured boater coverage provides coverage if an uninsured or underinsured boat collides with your boat and injuries are incurred as a result. 

Towing & Labor coverage is reimbursable and paid per occurrence depending on the amount of coverage chosen. Coverage applies when work is performed at the time and place of disablement. 

Equipment coverage may also be purchased to protect your gear on board or while it’s being transported on or off your insured boat.

While many individuals consider cancelling coverage during months that their boat is not in use to save money, it can often save you money in the long run to continue your coverage and renew annually. Some companies lower your deductible each year when you renew your policy, and some even eliminate it after a certain number of years, provided there are no claims.

We would also recommend considering purchasing an umbrella policy to provide additional liability coverage. If you own a home, cars, business, etc. you want to ensure that your assets are properly insured.

 

 

Boat Safety

If you live in Florida, chances are you will be a passenger on someone’s boat or a captain of your own at some point in time. While there are tons of useful boat safety resources on the US Coast Guard’s website, we wanted to share with you a few critical items before getting out on the water this summer.

Always check the weather before embarking on a boat outing. Florida summers may bring harmless light sprinkles, but they can also bring severe thunderstorms, so be sure the check to forecast and bring a weather radio aboard. Signs that a storm may be brewing include sudden wind shifts and choppy water.

Have the appropriate safety equipment on board at all times: a fire extinguisher, enough U.S. Coast Guard approved life jackets for all boat passengers and a first aid kit. It’s also advised to check all boat lights to ensure they are all operable.

Do not overload your boat – Doing so will increase your risk of taking on water or capsizing. Check your boat’s capacity limited located on the plate near the boat operator’s steering area.

Abide by all boat traffic rules, especially if traveling in the intercostal waterways, and please boat responsibly. Although boating is a fun sport, it is illegal to operate a boat while under the influence of alcohol. Alcohol affects your judgment, vision balance and coordination which can put yourself and your passengers in harms way.

Boat safety supplies
Boat safety equipment

Get to know Mack Williams

Get to know McGriff-Williams co-owner, Mack Williams

What is your favorite quote? : “Do the right thing. Do the best that you can. Treat others as you would like to be treated.”

What is your go-to comfort food(s)? : Yogurt and granola, Blue Bell Ice Cream and Iced Tea

What is an item on your “bucket list?” : To go to the Master’s Golf Tournament.

Complete the following sentence: “Ten years from now I hope to be as healthy and happy as I am today.”

What song or musical artist brings you back to a certain time in your life? :  The Beach Boys bring me back to my High School and College days. They sing about things that matter lots in life and especially then.

What is your favorite holiday and why? : Thanksgiving – It’s a great time to spend time with family and reflect on the wonderful life that I have lived.

Favorite or most frequently used app on your phone? :  The weather app