Author Archives Adam Murray

A Biblical Perspective on Insurance

Adam Murray – October 20, 2020

Let’s just say it up front, insurance is not something you like, let alone want to spend time or money on.  A common perspective is that it is a “necessary evil.”   Stewardship  A well-known passage of scripture is Psalm 24:1, “The earth is the LORD’s and the fullness thereof, the world and those who dwell […] Read More

What Is a Workers Compensation Audit?

Adam Murray – September 22, 2020

Workers Compensation Insurance is intended to pay for the medical payments of employees who sustain work-related injuries. This could be an employee who sprains their wrist while tripping in the office, or something more serious, such as forklift injury. In any case, worker’s compensation insurance is designed to make sure that an employer can take […] Read More

New Bill on Phone Use in the Car

Adam Murray – August 17, 2020

In a 43-4 decision, the United States Senate voted to pass House Bill 1070. Effective 7/1/20, the legislation replaces the existing ban on texting and driving, which to this point has been deemed unenforceable.” Are you now allowed to text and drive? Quite the contrary. In the past, the ban on texting and driving was […] Read More

What Is Service Line Coverage?

Adam Murray – July 20, 2020

If you are like most people, you probably fall into one of two categories. Either you are completely unaware that the maintenance of the service lines that run to your house is your responsibility or you are aware and as a result have purchased a home service line warranty. Did you know that service line […] Read More

Top 5 Most Important Liability Coverages for Your Church

Adam Murray – June 8, 2020

Churches in the United States are not exempt from the effects of a litigious society. In fact, churches face a unique exposure to litigation as religious organizations have started to become somewhat of a target for those who may disagree with its message. Add to that the children’s programs, community outreach events, reliance on volunteer […] Read More

Risks With Door to Door Contractors

Adam Murray – May 18, 2020

Have you ever had someone show up at your door offering you the deal of a lifetime? It’s not uncommon for someone to show up at your door, offering their services for home repairs, pest control, paving work, etc. While some door-to-door contractors are just trying to make an honest living, a little healthy discretion […] Read More

Reducing Distractions While Driving

Adam Murray – April 20, 2020

We have all been there. Running 10 minutes late, driving with our knee while simultaneously putting on our seatbelt and fussing with google maps, trying to figure out if we need to merge east or west. Or, maybe you come to a stoplight and think to yourself, “this is a good time to return that […] Read More

What is Hired and Non-Owned Auto Insurance?

Adam Murray – March 30, 2020

One of the most easily overlooked areas of a commercial insurance policy is in regards to auto insurance. “But Adam, my business doesn’t own any vehicles” one might object. Here lies the problem. Most of us assume that because the vehicle is not owned by the business, that it creates no exposure for the business. […] Read More

Do I Need Mission Trip Insurance?

Adam Murray – March 16, 2020

“Go therefore and make disciples of all nations, baptizing them in the name of the Father and of the Son and of the Holy Spirit, teaching them to observe all that I have commanded you. Matthew 28:19-20 This is the last command that Jesus gave his disciples recorded in the book of Matthew. Across the […] Read More

10 Tips for a Smooth Claims Process

Adam Murray – February 24, 2020

None of us want to be involved in a claim. We all hope to be lucky enough to avoid a car accident, house fire, an employee lawsuit, a slip and fall at our office, etc. However, the reality is that many of us will find ourselves in these types of situations, and it’s important that […] Read More

The Importance of a Personal Umbrella Policy

Adam Murray – January 13, 2020

Have you ever been caught in a thunderstorm without an umbrella? I have! I don’t mind being caught in a storm if I can go inside and change my clothes. No harm done. However, if a storm caused me to show up soaking wet to a meeting, or forces me to sit in soaking wet […] Read More

What Is Directors & Officers Insurance?

Adam Murray – November 11, 2019

Have you ever served on a board before? Perhaps you are on the board of a Fortune 500 company, or volunteering on the board of your church? Regardless of the circumstances, if you are a director or officer of any organization, you need Directors and Officers liability protection. Make sure that the organization carries D&O […] Read More

Halloween Safety

Adam Murray – October 28, 2019

Fall means Halloween isn’t far away and while that means lots of fun for kids, it also brings a lot of safety concerns. Dark streets when kids are thinking more about candy than cars is a real threat. Statistics show a child is twice as likely to be hit by a car on Halloween than […] Read More

Protecting Our Children From Sexual Abuse

Adam Murray – August 16, 2019

This is not a fun topic to address. The statistics surrounding sexual abuse are astounding. It is very possible that you yourself have been a victim of sexual abuse scandals coming out of the SBC, or IFBC, or the Catholic Church and many other denominations. Statistically, our churches are running rampant with people who have […] Read More

How Should I Prepare for a Tornado?

Adam Murray – August 12, 2019

“It’s a twister! It’s a twister!” I think we can all take a powerful lesson from Dorothy in the classic movie, The Wizard of Oz. Poor Dorothy was on her way home, trying to outrun a tornado that was sweeping across the field near her house. While her family wisely made it to the storm […] Read More

young-driver

Insuring Young Drivers

Adam Murray – June 24, 2019

Any parent who has placed their life in the hands of their young, 16-year old’s driving ability knows that this is a truly terrifying experience. Eventually, they become responsible, experienced drivers who understand and follow the rules of the road. But for a few years, youthful operators pose the greatest risk to roadway safety. In […] Read More

How Prepared Is Your Church Against an Act of Violence?

Adam Murray – May 14, 2019

It’s 10 am and you’re getting ready for bed. You brush your teeth, wash your face and put on your PJ’s. Finally, you walk through the house to make sure the doors are locked, the alarm is set, and you leave the front porch light on to make sure that any unsavory fellows out there […] Read More

Staying Safe with Fireworks

Staying Safe with Fireworks

Adam Murray – July 2, 2018

A couple of years ago on the 4th, I was sitting on the beach of Lake Michigan. My family and I were waiting for fireworks to begin. 5 minutes prior to start time, I heard fireworks going off, and turned around just in time to see a man, on fire, running into the lake. Thankfully, there […] Read More

What Liability Coverage's Should a Church Have?

What Liability Coverages Should a Church Have?

Adam Murray – May 15, 2018

In some ways, insurance hasn’t changed much over the years. If your building burns down, insurance has always been there to replace it. If you crash your car, your friendly neighborhood insurance agent was there with a settlement check. For churches, however, there has been growing exposures that from time to time are often overlooked. […] Read More

Don’t Be Fooled by the Phrases

Adam Murray – April 2, 2018

The most important part of your insurance policy is the agent who puts it together. I say this because insurance can be very technical, and often confusing. Having a knowledgeable professional walk you through your policy can make all the difference at claim time. There is a minefield of insurance lingo and phrases that can […] Read More

How Do I Kick the Cloudy Weather Blues?

Adam Murray – March 5, 2018

Cloudy weather got you down? It happens to the best of us. Although I generally enjoy cool, cloudy weather, sometimes we just want some sunshine. Here are some of the ways that I cope with less than desirable weather. Exercise Getting to the gym or doing some cardio right in your own living room can […] Read More

What Does Wedding Insurance Cover and Why Do I Need It?

Adam Murray – February 19, 2018

As a newly engaged man, the last thing I want is for disaster to strike our special day. Unfortunately, there are many dangers that our wedding is exposed to. Thankfully, wedding insurance can be a great way to protect the investments you have made in your wedding day. Not all wedding protection policies are the […] Read More

What I Didn’t Know About Auto Insurance

Adam Murray – January 15, 2018

You’ve heard the saying, “Ignorance is bliss.” In the insurance world, nothing could be farther from the truth. I will forever remember the first time I dealt with insurance. I had just got my license and was ready to be out on the road. The thrill of independence and responsibility was pulsing through the steering […] Read More

5 Reasons Christmas Is Significant

Adam Murray – December 24, 2017

Christmas is a time when as Christians, we celebrate the Creator of the world, who stooped down to take the form of a man. But what is the significance of this doctrine (the incarnation), and how is it relevant to us today? It Opens Up Scripture The incarnation helps us to see that the Old Testament […] Read More

Why Should I Schedule Contents?

Adam Murray – November 20, 2017

The most overlooked aspect of insurance is scheduling property on a homeowners or renters policy. Many people don’t know why they need to schedule contents. Or, even worse, they don’t know what to schedule. Hopefully, this article will help serve as a guide. There are generally 3 major reasons to schedule your property: Eliminate Sub-limits […] Read More

What Do You Mean It’s Not Covered?

Adam Murray – October 23, 2017

Insurance can be very technical and confusing. Try to understand what is an is not covered on your policy and you’ll end up with a headache. What most people don’t know, is that an independent agent can walk you through the details of your policy. Too many people assume that their policy covers certain things, only […] Read More