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Special Edition: August 05, 2010
 Insurance Tips To Protect College-Bound Students and Parents...
Sending a high school graduate off to college can certainly be a hectic and stressful time for the student and his or her family. However, during all the planning stages, one very important thing is regularly overlooked—insurance.
More than 80% of students who rent during the school year may not have enough insurance to protect their personal property—like computers,laptops and other expensive equipment that many students often possess. In addition, protection is also required for liability in the event someone gets hurt in their apartment.
Students and parents should consult with an insurance professional to discuss student insurance needs like auto, and renters. It’s an affordable and easy way to be sure you and your college student are protected
Special Edition: July 27, 2010
Recent Trusted Choice® study shows many Americans are not properly prepared or insured for natural disasters.
The survey commissioned by Trusted Choice® and the Big “I” revealed that less than 22% of respondents are properly prepared and insured in the event of a disaster. More than 51% are only partially prepared and insured and 22.7% reported that they are not prepared or insured properly for the damages that could be caused by a natural disaster, such as a hurricane or tornado.
The results of this survey were gathered on a national basis. Recent results from occurrences in our own state offer a better prospective on what it could m ean for residents of Connecticut.
For example, the recent storm that touched down in Connecticut early in March, causing over $5 million dollars in damage, revealed that only 7% of residents were properly prepared and properly insured for the damages they suffered. The underinsured, with losses had to file with the Federal Emergency Management Agency for assistance, which were initially denied in April and required an appeals process by the state. Although the funding was eventually approved, it was a long-overdue decision that left the underinsured waiting to put the pieces of their lives back together.
A similar set of circumstances occurred after the tornado that touched down in Bridgeport in late June. A very small percentage of people affected were properly prepared and insured, leaving the rest in a similar situation to the March storm. Most recently, the tropical storm that hit parts of Connecticut on July 21, 2010, classified as a tornado in parts of Litchfield County,
brought comparable damage and circumstances. Unfortunately, natural disasters can occur anywhere, meaning that everyone should make efforts to be prepared and to protect themselves.
Nowhere is the value of preparedness and insurance protection more apparent than with natural disasters. Flooded basements and severe mold, as well as ruined furnaces, yards, personal possessions, automobiles, were some of the damages caused by each of the most recent and significant storms. In many cases such damages could cause a home to be uninhabitable. If you are unprepared and underinsured, these circumstances could be devastating.
There couldn’t be a better time to get a policy review to determine if your insurance protection is still in line with your property value and to see if flood protection would be right for you. The end of summer generally seems to be peak time for hurricanes, tropical storms, and the like, causing flooding and damage in their pathways. Be sure you are prepared and protected in the event of one. Visit the Federal Emergency Management Agency website to learn how you can prepare for such an occurrence. For more information about how you can protect yourself and your property from losses, give our office a call at (203) 481-2684 to speak with one of our insurance professionals. Our advice is always free and we are always happy to help!
Special Edition: June 28, 2010
Keep the Happy in Happy Independence Day!
Celebrate our nation’s birthday safely and responsibly…
According to the NFPA (National Fire Protection Association), each July Fourth, thousands of people, most often children and teens, are injured while using consumer fireworks. Despite the dangers of fireworks, few people understand the associated risks - devastating burns, other injuries, fires, and even death, nor do they adhere to the state laws regarding consumer fireworks. See Fireworks – Illegal in Connecticut for information regarding our state.
The Alliance to Stop Consumer Fireworks is a group of health and safety organizations, coordinated by the NFPA, that urges the public to avoid the use of consumer fireworks and instead, to enjoy displays of fireworks conducted by trained professionals. Here's why...
Facts & figures
- In 2008, fireworks caused an estimated 22,500 reported fires, including 1,400 total structure fires, 500 vehicle fires, and 20,600 outside and other fires. These fires resulted in an estimated one civilian death, 40 civilian injuries and $42 million in direct property damage.
- In 2008, U.S. hospital emergency rooms treated an estimated 7,000 people for fireworks related injuries; 53% of 2008 emergency room fireworks-related injuries were to the extremities and 37% were to the head.
- The risk of fireworks injury was highest for teens ages 15-19 and children 5-9, both with at least two-and-a-half times the risk for the general population.
- On Independence Day in a typical year, far more U.S. fires are reported than on any other day, and fireworks account for more than half of those fires, more than any other cause of fires.
Backyard picnics on Fourth of July have been a tradition for many years. However, when the confusion of a crowded backyard is commonly combined with alcoholic beverages and fireworks, the outcome could potentially be dangerous to all who are involved, especially children.
In fact, even sparklers can cause serious injuries. The tip of a sparkler burns at a temperature of more than 1200 degrees Fahrenheit, which is hot enough to cause third-degree burns.
The good news is you can enjoy your holiday and the fireworks with out the risk of injury just by following the recommendations made by the NFPA: Leave fireworks to the professionals. Attend a public display conducted by trained professionals and hold your backyard celebration before, after or on a different day than the public fireworks display.
Enjoy your July 4th celebrations, but be safe and responsible!!
Special Edition: June 2, 2010
Sewer backup and what you need to know...
Recently, an emergency/disaster preparedness guide was included in our local newspaper. This guide was prepared in partnership with Shore Publishing, East Shore Health District and CT Department of Emergency Management and Homeland Security.
One particular topic included in this guide that caught our attention was about sewer backup. This article had some very helpful information that we wanted to share, specific to homeowners. However, we also wanted to include some information about homeowner’s insurance coverage and what you should know about this type of occurrence.
Will my homeowner’s insurance cover any damage to my home or property from a sewer backup?
Sewer backups or the inability of sump pumps to handle runoff water from major downpours are not covered under a typical homeowner’s insurance policy, nor are they covered by flood insurance. This type of coverage must be purchased as a separate product or as an endorsement to a homeowner’s policy and usually come with a limitation to the amount of coverage provided. In addition, some companies will not provide this type of additional coverage under certain circumstances.
It is important to speak with your insurance professional about the details of this policy provision. It is also important to learn about Loss of Use coverage in the event your home is uninhabitable from severe damage. Loss of Use coverage provides reimbursement for lodging, food and other living expenses and is often included in a standard homeowners policy.
Feel free to contact us with any questions you may have and please take a moment to read the article provided to learn more about sewer backup. Attached to this article we’ve also included some preventative information for your reference. Flooding and Sewage Backup
Special Edition: May 21, 2010
V.F. McNeil On Video!
By: Pauline Handy - Marketing Director
During construction of my 2010 marketing plans, one of the many commitments I made was the production of an online video for the agency by the end of May 2010.
Since then, I pondered many ideas for the video and only came up empty handed. Until one afternoon, I overheard a conversation between one of our Account Managers and a client who was visiting to sign some paperwork. I overheard the client thanking our Account Manager for being so helpful and getting everything done promptly. He proceeded to tell her, “That’s why I like this place. I can always trust you to help me out when I need it. It’s a lot more personal here than my old place.” Then he chuckled and said, “I guess that’s one of the reasons I left.”
That’s it! It was so easy! Just tell others what our clients like best about us. Let them know what we do. Introduce them to the people who actually work here and work hard to get them what they need. Let them know that we’re authentic, accessible, and accountable for our work so their satisfaction really matters to us. It’s simple. We treat our clients how we would expect to be treated.
Naturally, after my big breakthrough, the ideas and visions started to flow. Now right on schedule, our new video is ready for viewing. I hope you enjoy it as much as I did!
Special Edition: March 25, 2010
Floods… They know no limits!
By: Pauline Handy - Marketing Director
Rainstorm after rainstorm, on my way to the agency, I pass by the neighborhood below me that often suffers from flooding during a heavy rain. At this point I have only one thought! I sure hope they all have flood insurance. One wouldn’t think that in a tiny, rural town like mine that anyone should have to worry about flooding.
This couldn’t be further from the truth. Flooding can occur no matter where you live. In fact, all fifty states run the risk of flooding each year, especially during the threatening combination of a cold winter’s thaw and a heavy spring rainfall.
In the case of this particular neighborhood, many things are not in its favor. The first would be the little babbling brook running adjacent to the houses (below). It looks very quaint most of the time. Unfortunately, it’s not so quaint after a day or two of heavy rain when it rises above the bridge that goes over it in This is combined with the fact that the houses are in a low lying area (also prone to flooding) and they get run off from the neighborhood high above them. Often during a heavy rainfall, it looks a river running down this hill. Thankfully for me, I live in one of the homes in the neighborhood high above. However, it’s not so good for those down below. I couldn’t imagine the outcome of a hurricane or severe tropical storm. Two or three days of rain alone have turned this area into what resembles a small lake!
Unfortunately, it is still a common belief that flooding only occurs in certain areas of the country. Its dangers and consequences are often not taken seriously. Another unfortunate belief is that flood damage is covered under a basic homeowner’s policy. This is also not true.
It’s important for homeowners to be aware of the risks of a flood, how to be prepared for one, and how to recover after one. Please use the link provided to learn more about the risk of flooding in your area and what you could do to protect yourself. http://www.fema.gov/areyouready/flood.shtm
The results after only one evening of rain. No more little brook!
Special Edition: February 12, 2010
 Celebrating A Victory... Congratualtions to W.I.S Wrestling Team
From: The Team at V.F. McNeil
February 6th was a victorious day for the Walsh Intermediate School Wrestling Team. Three 8th grade wrestlers, after giving it their all during the Wilson Wrestling Tournament in Middletown, Connecticut, were chosen as medalists at this tournament.
Our team is especially excited and would like to offer a special congratulations to the three medalists who happen to be the children of one team member here at the agency and two of our valued clients.
Congratulations to Josephe Martone for a third place metal in his weight class, Joey Colaccio for a third place metal in his weight class and to Taylor Levesh for a second place metal in her weight class. You guys did a great job!!! You should be proud.
Special Edition: January 25, 2010
By: Pauline Handy - Marketing Director
Retailers, holidays and insurance coverage. How each gets you thinking…
Every year it amazes me how quickly retailers like to move along the change of seasons and holidays. I say that as if I’m not at all used to it. But really, it gets you thinking about things that you don’t necessarily want to think of so quickly. Seriously, Christmas trees displayed in September? Shouldn’t there be a law against that? Don’t get me wrong, I enjoy the holidays. But I don’t want to think about preparing for Christmas before it’s even Halloween.
Anyhow, not more than a week after Christmas was over, having barely caught my breath from the hoopla of that holiday, I walked into a store with my kids and there it was. It was like a Valentine’s Day parade in the place. “Not already?” I thought. How and why did they do that so quickly? Are they trying to make us go crazy? Parents out there, you know exactly what I mean, don’t you?
Of course my kids, who want to have a party and get presents every time someone sneezes, eagerly started asking what our plans for Valentine’s Day would be? “Are we going to have a party?” “Should we bake heart shaped cupcakes?” “Can I buy WWE Valentine’s Day cards for my class?” “I want to bring in treats too!” “Can we bake brownies?” You know that old commercial with the slogan, “Calgon take me away?” Yeah, yeah, that one. I suddenly started dreaming about bubble baths and floating on clouds. “Mom, Mom, are you listening?” my son said as he nudged me. “Sure buddy, I’m listening,” I replied. Okay, I wasn’t really listening. I think you already figured that out. But for heaven’s sake, my Christmas decorations weren’t even put away yet, and they wanted to make plans for Valentine’s Day? Give me a break!
Well, after returning to work that Monday, I shared my weekend kid stories with a co-worker. Of course I was expecting sympathy from her regarding my journey through retail torment with my children. Instead, she said to me, “I know you don’t want to think about Valentine’s Day yet, but it’s a good opportunity to put something educational out there about jewelry coverage.”
She continued, reminding me that this is a popular time for engagements and giving fine jewelry as gifts. She also added, that as an account manager, she can verify that not everyone she speaks with realizes that fine jewelry has very limited coverage on a basic homeowner’s policy. Reflecting back for a moment on a personal experience, I answered quickly, “Okay, Okay, you got me thinking Valentine’s Day!” “I’ll blog about the importance of protecting fine jewelry.” Besides, as much as I don’t want to think ahead to the next holiday, I must agree from personal experience that having insurance protection for your fine jewelry is important.
Over five years ago, before I came to the insurance world and knew anything about anything, I had my diamond engagement ring and mother’s ring (given as a Valentine’s Day gift to me by my husband) stolen from my car, which is a whole different blog for another time. But anyhow, the point is that my homeowner’s policy only reimbursed us $1000.00, which left us with $3200.00 of uncovered expense. This was something we definitely weren’t prepared for. Sadly, I had to wait quite a while to replace something that I really cherished. If I had only known.
If you are planning to purchase any fine jewelry for the upcoming holiday or if you currently have jewelry that isn’t specifically protected, for a very minimal cost you could be sure what happened to me does not happen to you. Take a moment to contact your agent for more information if your jewelry isn’t properly protected. Consultations are always free and we are always happy to help. It’s the best peace of mind you can get.
Special Edition: December 21, 2009
A recent post by: Trusted Choice
When You Can’t Come Home: What Does “Loss of Use” Coverage Actually Cover?
Your homeowner’s insurance policy will pay to repair damage to your home caused by a fire, windstorm or other covered cause of loss. But when you and your family incur expenses for moving out while repairs are made, who picks up the tab?
An often-overlooked but essential function of your homeowner’s policy is “additional living expenses” (also called “loss of use” or “Part D”) coverage. Additional living expenses coverage will pay the necessary increase in living expenses required to maintain your family’s current standard of living while the house is being repaired. Examples of expenses typically covered include the cost of hotel, food bills in excess of normal grocery/restaurant bills, cooking supplies and the cost of moving property into storage.
The good news is that payment for these expenses usually does not stop if the policy expires. Rather, they will continue to pay until the limit is used up, the home is repaired to a habitable state, or you permanently relocate.
The bad news is that many homeowners erroneously believe that the policy covers 100 percent of additional living expenses until the home is habitable. Realistically, very few policies do this. In most cases, home insurance companies place a limit or cap on loss-of use payments. For example, many homeowner policies will only offer loss-of-use coverage as a percentage of the limit of insurance carried on the dwelling; 20 percent is common. Others may specify a flat dollar amount.
Usually, a covered loss must occur for any insurance dollars to be paid for additional living expenses. The one exception is if your home is not accessible due to civil authority or government mandate triggered by nearby damage. For example, in 2009, wildfires in California triggered mandatory evacuations that prevented tens of thousands of homeowners from going home. If homes in close proximity to yours are burning, there’s a chance the government will close roads and/or prevent you from entering your property even though it has not yet suffered a direct loss. In this situation, additional living expense payments are often limited to two weeks.
Homeowners who receive additional income by renting a portion of their home should also pay close attention to the Part D limit. This limit also applies to replacing lost rental income while the damaged house is being repaired.
Here’s the important question: How do you know if your policy’s Part D limit is sufficient? The trouble is that important factors are variable. For example, how do you know how long you will be out of your house? Building codes and permits cause rebuilding efforts to proceed slowly in many parts of the country. Calling a local building contractor to gain some idea is a good start but there is no exact prediction.
Further, how do you know what expenses you will incur? According to Hotels.com’s 2009 hotel price index, the average hotel room in the U.S. costs $115 per night! Add this and other expenses to a lengthy, unpredictable repair schedule and the possibility of eclipsing your Part D policy limit before your home is habitable could become a serious problem.
The last thing you want to hear is that your loss-of-use coverage has run out before you can go home. Fortunately, your Trusted Choice® insurance agent understands this exposure and can help you weigh your options, including those that may increase your loss-of-use coverage limit. For a thorough review of your homeowner’s policy, call your Trusted Choice® agent today.
Special Edition: November 13, 2009
How well are consumer’s connecting coverage discounts?
V.F. McNeil has always made it standard procedure to help our clients take advantage of all applicable coverage discounts when choosing to insure with our agency. We spend the necessary time to review all pertinent information with our clients to determine where they can save, all with out compromising important coverage. Is it safe to assume this is a standard procedure no matter where you choose to insure? The following information revealed a rather surprising answer to that question.
A recent national survey performed by The Big “I” and Trusted Choice uncovered a much different scenario. Apparently, the survey asked home and auto owners if they believed they are taking full advantage of all the discounts they qualified for on their homeowners and auto insurance policies. More than 34% of respondents, representing 53 million households, admitted they are probably not taking advantage of all homeowners insurance discount or said that they simply didn’t know. Regarding auto coverage, more than 20% of car owners either didn’t know or said they were not maximizing all the car insurance discounts available to them. In addition, those who stood to benefit most from the discounts were mainly those who were not taking advantage of them. Nearly 38% of respondents with a household income of less than $25, 000 said they weren’t taking advantage of all possible discounts or said they were not made aware.
The survey also found that the largest percentage of respondents, about 26%, estimated they save 6-10% on their insurance premiums and discounts. In reality, many consumers could be saving significantly more.
For your reference, we wanted to share this “savings tip sheet” constructed by Trusted Choice and The Big “I.” Feel free to print it out and refer to it when considering your personal insurance needs. If you have any further question, always feel free to contact us at (203) 481-2684 or on our contact us page.
Special Edition: October 28, 2009
"I can't wait until I get my driver's license!"
By: Pauline Handy - Marketing Director
These are the very words that burst out of my daughter's mouth Sunday during her fourteenth birthday party.
It all started with one of my beloved family members, shouting out during cake, "Wow Melissa, I can’t believe you’re fourteen!” “Only two years away from being able to drive." (Don’t get me wrong, they really are beloved, except at that particular moment.)
She replied by saying, "I know." "I can't wait to get my driver's license.” “I could even get my learner’s permit next year!” "It's going to be so cool." "I could drive to school and go to the mall on my own." Blah, blah, blah, blah, blah, is what the rest of it sounded like to me as she continued to list all of the things that would be "so cool" once she is able to drive.
My husband and I glanced over at each other. I'm sure the looks on our faces revealed that we weren’t thinking “cool” thoughts. Later on in the evening when the crowd cleared out and both kids were in for the night, we talked. “How did she get this old already?” I said to my husband. “I know.” I can’t believe she already has all this planned out in her mind,” he replied. I think any parent of a teen getting his or her driver’s license or close to it, could agree; it’s just a new set of worries. That’s exactly where our conversation ended up. Will she be a safe, responsible driver? Will she text while driving even if we tell her not to? Can we afford the insurance and the vehicle expenses for a teen driver? Yup, plenty of worries.
However, it will inevitably happen. She will turn sixteen and want her driver’s license; unless, with any luck, the driving age is increased to eighteen in the next two years. I won’t count on it, though. So, we both concluded that we should be prepared and have a plan that we both agree on.
Just then the light bulb went off. Wait a minute, I thought. I work for an insurance agency! Monday morning I could get the scoop on teen drivers. So, off to work I went on Monday thinking, I know I have tips and information for parents on new teen drivers. After all, it is my job as the Marketing Representative to provide our clients with helpful information.
So, when I arrived to work Monday morning, I started searching and inquiring with our insurance professionals. For my own reference and yours, I wanted to share this with everyone. If you have a teen who will be a new driver soon, take a moment to view the link below to learn some helpful tips about teen drivers. Protect your teen and yourself by planning ahead. Your Teen Driver.
Special Edition: October 7, 2009
V.F. McNeil Insurance proudly supports the Branford Fire Department
for Fire Prevention Week.
 It’s fire prevention week and the Branford Fire Department will be starting their educational presentations to the Branford Elementary and Nursery schools this afternoon.
As advocates for fire prevention and safety, V.F. McNeil helps the Branford Fire Department each year with fun, educational materials to distribute to the children at each different school. The kids get to bring home fun things like coloring books, fire hats, stickers, book marks and more.
Just this morning, Paul Sturgess, owner and President of the agency, dropped of a box off materials to Captain Joe Pertrosino to hand out to children during this week’s presentation at Taber Nursery, The Nursery at the First Congregational Church and Tisko, Mary T. Murphy and Sliney Elementary Schools.
Be sure to talk with your family today about fire prevention and safety!!
Special Edition: October 1, 2009
Camp Hole in the Wall - Camp Challange Ride
Photo: Pauline Handy (Marketing Director at V.F. McNeil) before the ride line-up.
To see more photos, visit us on Facebook!
On September 27, 2009, V.F. McNeil proudly sponsored Pauline Handy (Marketing Representative) to complete a 15 mile bike ride with The Simon Konover Team to raise money for The Hole in the Wall Gang Camp, located in Ashford, CT.
Founded in 1988, by Paul Newman, The Hole in the Wall Gang Camp is a nonprofit residential summer camp and year-round center serving children and their families coping with cancer and other serious illnesses and conditions. The camp serves more than 15,000 annually and all services are provided free of charge.
The Simon Konover Company, founded by Simon Konover, a long time friend of Paul Newman, was hired to construct the 24 original buildings and all subsequent buildings, and completed all without earning any profit. Today, Jane Coppa, Simon Konover's daughter, still continues the tradition of support started by her father.
Despite the challenge of the weather that day, over 250 cyclists arrived for the bike challenge and so far, over $150,000 have been raised, proving to be a very rewarding event for all!
Special Edition: August 7, 2009
Why you need an Independent InsuranceAgent.
See the most recent Trusted Choice Commercials here.
Special Edition: August 3, 2009
Client Special Feature
Congratulations to Eric Bovell! Mr. Bovell's vision of restoring part of a 19th century barn on his property, into an addition for his 1830's home, has recently come to life. With the help of Anthony Bianco, also a client of V.F. McNeil and owner of A & G Contracting, Mr. Bovell's project was started on July 28th. We wanted to share this project with everyone. His story is an inspiration to all in the name of preservation and conservation.
Best wishes to you Eric. We can't wait to see the finished result!
Click here to read the full story.
Left: A & G workers guide the barn skeleton into place as it hangs from the rigging, lifted by a large crane. Right: Eric Bovell watches as the upper level of the barn swings into place at his home in Stony Creek.
Eric has also been kind enough to share his public photo gallery with us.
To view his photos please click here. |
Special Edition: July 23 ,2009
M E D I A R E L E A S E
For Release on Receipt
CERTIIFIED INSURANCE COUNSELORS
HONORS LOCAL INSURANCE AGENT
Paul Sturgess, CIC, of V.F. McNeil Insurance, was recently recognized for professional leadership and advanced knowledge by the Society of Certified Insurance Counselors (CIC), a leading national insurance professional organization.
Mr. Sturgess was awarded a certificate marking more than fifteen years of participation as a designated CIC, which requires annual completion of advanced education and training.
“Paul’s ongoing allegiance and support of the CIC Program is a testament to the value he places on ‘real world’ education and customer satisfaction. His clients, associates, and the insurance profession as a whole will benefit from such dedication,” cited Dr. William T. Hold, CIC, CPCU, CLU, and President of the Society of CIC.
The Society of CIC is a not-for-profit organization of The National Alliance for Insurance Education & Research, which is respected throughout the insurance industry for the high standards maintained in the hundreds of institutes conducted annually in all 50 states and Puerto Rico. Other members of The National Alliance include the Society of Certified Insurance Service Representatives (CISR), the Certified Risk Manager (CRM) Courses, James K. Ruble Seminars, and The National Research Academy.
Special Edition: July 09 ,2009
Come Hell and High Water...
As some of you may remember, we have a rather talented creative writer on board. Julie Gribbins, Administrative Assistant, resumed her column in April, 2009 in the Shoreline Living section at Shoreline Publishing. You may remember reading "Promises, Promises" on our April 27, 2009 Blog. I wanted to offer this weeks column to you. I thought it was only fair that we share such a great laugh, especially since we are all feeling the duldrums from what seems like a never ending pattern of unfavorable New England weather.
Click Here To Give Yourself A Good Laugh!
Special Edition: June 22 ,2009
Child ID program popular with parents at the Branford Festival...
In spite of the rain, eventually ending the program early, the staff at V.F. McNeil Insurance enjoyed the day interacting with visitors who stopped by to take advantage of their free child id kits. Many parents were able to take home a child id kit for each of their children and the kids were happy to go away with some colorful balloons! Visit us today on Facebook to see more pics.
Above: Paul Sturgess (V.F. McNeil Insurance - President) reaches for an ID Kit to give to a family who stopped by.
Special Edition: June 04 ,2009
Posted by BigIMarkets
Savecations...
2009 Travel: What's Hot and What's Not
The Year of the RV Savecation
With the new national focus on economizing, green living and getting back to basics, 2009 promises to be a year of change in many areas of our lives, including travel. Here's a look at What's Hot and What's Not for 2009, according to the Recreation Vehicle Industry Association.
What's Not: Staycations: Americans read a lot about staying home in 2008, but it didn't happen. We like our playtime, and a run-up of fuel costs didn't change that.
What's Hot: Savecations: Americans are looking for ways to cut costs this year without giving up their family getaways. RVIA's latest Campfire Canvass survey of RV owners found that 85% will travel at least as much this winter as they did last year, if not more.
What's Not: Overspending: It's no surprise that the economy is making consumers look for more bang for their vacation buck.
What's Hot: Value: Saving is the new spending. A recent study showed that RVing is 27-61 percent less expensive than other forms of travel. Some 30 million Americans already enjoy the value that RV vacations offer. More than 80% of RVers say they save when they travel by RV.
What's Not: Air Travel: High fares, long lines, baggage fees, only three ounces of shampoo and no more free pillows & blankets.
What's Hot: Road Trips: Bring what you want; it's your vacation. Take it all with you — including the kitchen sink, a large bottle of shampoo, a case of water and your favorite pillow & blanket for napping.
What's Not: Eating Out on Vacation: Expensive. Eating out while on vacation does two things: 1) subtracts from your bottom line and 2) adds to your waistline.
What's Hot: Eating In on Savecation: RVs come equipped with gourmet kitchens. Emeril, Rachael Ray, Mario Batali and other famous chefs have prepared meals in RVs. It's healthier for your body and wallet when you take a stocked fridge, stove and microwave with you.
If you decide to camp this year and need RV Insurance, or you're simply looking for ways to trim costs on your living expenses, contact your local, independant agent to speak with an insurance professional. A reputable insurance professional can help you determine ways to save with out comprimising the quality of your protection.
Special Edition: May 22 ,2009
V.F. McNeil Insurance enjoying a day of golf at the annual IREM (Institute of Real Estate Management) Golf Tournament, held at The Traditions Golf Club in Wallingford, CT.
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ABOVE: The island green at hole 13.
From Left: Carmine Montuori (CIC,Account Executive), Eric Hackett (CIC, Account Executive), Paul Sturgess (CIC, President), Dan McNamara (CIC, Vice President) |
ABOVE : V.F. McNeil Sponsors the longest drive.
From Left: Dan McNamara (CIC, Vice President), Carmine Montuori (CIC, Account Executive), Eric Hackett (CIC, Account Executive) |
Special Edition: May 06 ,2009
PLEASE WELCOME
MARLOWE ANGELINA MONTUORI
BORN ON 4/25/09 AT 8:17 A.M. WEIGHT 7 LBS. 10 OZ. 19 INCHES PROUD PARENTS CARMINE AND MELISSA MONTUORI
Carmine and Marlowe Montuori. Melissa Montuori - Camera Shy.
Special Edition: April 27 ,2009
V.F. McNeil has an author in the house!!
Julie Gribbins joined V.F. McNeil on February 23, 2009, as Administrative Assistant- Bookkeeper. Before coming to V.F. McNeil, Julie worked as a freelance writer for Shore Publishing, in addition to her daily, full-time job at the Rothberg Institute for Childhood Diseases.
Julie wrote a regular column, Single on the Shoreline, which appeared in the Living Section of The Shore Publishing Newspapers for a little over two years. Although Julie’s column was very well known and enjoyed by many, she felt after two years it was time for a new endeavor. However, around the same time, due to the economic slow down, Julie’s daily job at the Rothberg Institute was eliminated. She had a new focus, the challenge of finding full-time employment again. Julie took some time off from her freelance work and concentrated her efforts on finding a new full-time position. During this transition, she also worked on constructing ideas for a new column and writing her first novel.
Almost two months after joining our agency, Julie has decided to return to freelance writing at Shore Publishing. She has a new, regular feature, Shoreline Living, special to the Living Section. Her first column was recently published in The Shore Publishing Newspapers, titled, Promises, Promises. Julie stated how happy she was to have this opportunity again. She really missed writing for the local paper.
Congratulations Julie from everyone at V.F. McNeil. We look forward to reading your column every two weeks!
Special Edition: March 20 ,2009
Connecticut News Release
| CONTACT: Darel D. Cramer, Communication Assistant |
| or Mary Christiano, Director of Communication |
| (800) 424-4244 or Fax: (888) 225-6935
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FOR RELEASE: March 17, 2009
Sturgess receives Community Service Award from PIACT HARTFORD, Conn.
Professional Insurance Agents of Connecticut Inc. announced Paul Sturgess, president of V.F. McNeil Insurance in Branford, Conn., will receive the association’s Community Service award at its annual convention at Foxwoods Resort Casino in Mashantucket, Conn. This award will be presented to Sturgess to recognize his tireless contributions to his community.
“Recognizing Paul’s wonderful and selfless contributions is a fitting tribute to this gentleman,” said James Goodman, CIC, newly elected president of PIACT. “He is an inspiration to us all and his actions have made our community a better place.”
Sturgess is fully entrenched in his local community of Branford, Conn. He provides financial support to several community organizations including the Branford Little League, Branford Basketball, the Branford Festival, Branford Swim Team, the Branford Lions Club and the Guilford Boys Hockey Team.
He also supports the local fire department, helping out with their educational presentations to the public schools for Fire Prevention Week. His agency, V.F. McNeil also became a drop off location and donor for Toys for Tots for the first time this past year. Sturgess is a gold sponsor, volunteer and participates each year in the Branford Hammerfest Triathlon to benefit the Myelin Project. He also provides support to Special Olympics, the Multiple Sclerosis Bike Ride and the Sara Forbes Golf Tournament which benefits the Branford YMCA’s building fund. Sturgess also supports the Branford Community Dining Room financially each year. In addition to the monetary donation, he and his daughter donate their time to deliver dinner to those who are unable to leave their homes on Christmas day.
PIACT is a trade association representing professional, independent insurance agencies, brokerages and their employees throughout the state.
Special Edition: February 27,2009
Inside V.F. McNeil Insurance
New Employee Hire
From: Paul Sturgess, President
Subject: Julie Gribbins, Administrative Assistant/Bookkeeper
It is my pleasure to announce that Julie Gribbins has joined V.F. McNeil Insurance on February 23, 2009 in the position of Administrative Assistant/Bookkeeper. She will be taking the place of Tracy Petrillo. Tracy is leaving V.F. McNeil after six years of employment to pursue a career in Purchasing and Procurement.
Julie came very highly recommended to V.F. McNeil and has over six years of Administrative and Bookkeeping Experience. She also has over four years experience in book editing and creative writing. She previously wrote a column for Shore Publishing. Julie will make a valuable addition to our team.
Welcome aboard Julie!
“It’s great to be here. I’m looking forward to being part of the team. Everyone has made me feel so welcome and right at home.”
Special Edition: January 30, 2009
V.F. McNeil Claims Regular Season Title
Posted on Monday, January 26, 2009.
The Branford Recreation Department Mens’ League finished its regular season last Thursday evening and will begin playoffs this coming week. V.F. McNeil claimed the regular season title and will earn a bye in the first round. Trap Runner also earned a bye.
Last week’s results:
Trap Runner 62, Evans Mobil 60
Pete Barczak scored 24 points and Rob Howard added 14, as Trap Runner defeated Evans Mobil. Carlton Sutherland led Evans with 17 points.
V.F. McNeil 48, Branford Book and Card 43
Dan McNamara led V.F. McNeil with 15 points as his squad captured the regular season title. Dustin Ceccolini added 12 points in the win. Jared Ceccolin and Ed Preiss each had 10 points in the loss.
G&G Construction 54, W.S. Clancy 49
Bill Lee scored a game-high 18 points and Mark Roberti added nine as G&G Construction defeated W.S. Clancy, 54-49. Colby Morowski led Clancy with 13 points.
Playoff Schedule Thursday January 29:
(4) Branford Book and Card vs (5) Evans Mobil, 6:30
(3) G&G Construction vs (6) W.S. Clancy, 7:30 p.m.
First Round Byes- (1) V.F. McNeil and (2) Trap Runner
To read more please visit, mybranfordsports.com.
To read more please visit, mybranfordsports.com.
Special Edition: December 11, 2008
NEWS RELEASE
For More Information:;R-39
Connecticut Firm Awarded Trusted Choice® Agency of the Month
V.F. McNeil Insurance of Branford, Conn. Recognized by National Association
(ALEXANDRIA, VA – Dec. 4, 2008) – V.F. McNeil Insurance has been named the Trusted Choice® Agency of the Month by Trusted Choice®, the branding program of the Independent Insurance Agents & Brokers of America, Inc. (the Big “I”).
“The outstanding team at V.F. McNeil Insurance has demonstrated their commitment to serving the needs of their clients and treating them like people, not just a policy or number,” says Robert Rusbuldt, president and CEO of the Independent Insurance Agents & Brokers of America. “They exemplify the Trusted Choice® Pledge of Performance.”
The V.F. McNeil Insurance agency, headquartered in Branford, Conn., was established in 1886 by Virgil F. McNeil. The 122 year old firm has grown to serve individuals, families and businesses primarily in the state, but also throughout the world.
“We are extremely honored to receive this recognition from Trusted Choice®,” says Paul Sturgess, the agency president. “It is very satisfying that this highly respected, national organization has touted V.F. McNeil Insurance as a top performer in bringing consumers the value that only an independent agent can.”
The Trusted Choice® Agency of the Month program recognizes those Trusted Choice® agencies that are going above and beyond in living the tenets of the Trusted Choice® Pledge of Performance and in communicating the benefits of their services to consumers. Trusted Choice® agencies agree to adhere to a written pledge that states they will work with their customers to identify the insurance and financial services that are right for them, their families or their business and use their access to multiple companies to deliver those products. It also states that they will guide consumers through the claims process and help them solve problems related to their coverage or account, among other things.
Trusted Choice® educates consumers about the benefits of using independent agents and brokers for their insurance needs: choice of companies, customized policies and advocacy support. Trusted Choice® is the consumer marketing identity for over 10,400 independent insurance agencies and brokerage firms and 54 leading insurance companies. Go to www.TrustedChoice.com and click on “Find a Trusted Choice® Agent” on the homepage to locate the right agency for your needs.
 Special Edition: November 25, 2008
Thank you for visiting our booth. It was a pleasure to meet you.
The Insurance Team at V.F. McNeil would like to thank everyone who stopped by on November 21, 2008 to visit our booth at the CTAA annual tradeshow. Our first year as a CTAA Associate Member and tradeshow vendor has been an exciting experience. Have a happy holiday season!
We enjoyed meeting and talking with so many new people. The array of events and educational opportunities were truly impressive. We are looking forward to other future events and opportunities for involvement. It will be a pleasure to see you again.
Special Edition: October 7, 2008
It’s Fire Prevention Week. Preventing Home Fires is at the Forefront of Our Minds. |
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 In honor of Fire Prevention Week, we have constructed a resource page on our website to provide viewers with important fire prevention and safety information.
The theme of this years Fire Prevention Week is “Prevent Home Fires.” We feel as if this years theme is particularly important. With winter right around the corner, it’s imperative to recognize that the majority of residential fires occur during the winter months for a variety of reasons. Some of these reason include things such as, the return to home heating methods, the increase in cooking due to the holidays, the use of fireplaces, holiday decorations and burning candles.
Many will most likely be seeking alternative home heating sources due to the current high cost of oil and energy. Although many of these heating sources are acceptable; it’s important to be aware of their dangers. It’s also important to be aware of how holiday decorating and cooking could potentially be hazardous to our safety.
We hope that you could take just a few moments of your time to review this portion of our website and learn as much as you can about fire safety and prevention.
For further convenience, we have also included other topics to our resource page. Visit us today to view Emergency/Disaster Planning and Preparation, Moving To Connecticut, and other Helpful Links.
Simply log onto www.vfmcneil.com and click on the “Prevent Home Fires” logo to go directly to the Fire Safety web page. To view other topics, click on Resources and choose from the cascading menu.
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V.F. McNeil Insurance Donates to the Branford Fire Department
for Fire Prevention Week.
 Paul Sturgess, owner and President of V.F. McNeil Insurance delivers one thousand fire safety book marks to Captain Joe Petrosino of the Branford Fire Department.
The Branford Fire Department will distribute the book marks along with other materials to each Branford Elementary School during their educational presentations for Fire Prevention Week. Each child may bring home their materials to use for handy fire prevention and safety tips and reminders.
Captain Petrosino receiving
bookmarks from Paul Sturgess |
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