Uber/Lyft Drivers: Beware

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The Massachusetts personal auto policy is very strict when it comes to Uber/Lyft or other rideshare programs.
Per a recent article in The Massachusetts Agent (Official Newsletter of the Massachusetts Association of Insurance Agents), companies can void all optional coverage if the consumer is in an accident while working as a driving service.
The article states, “Here is how the policy may or may not respond:
  • Part 3. Bodily Injury Caused by an Uninsured Auto – Coverage is limited to $30/80M for anyone injured while occupying your auto while it is being used as a public or livery conveyance.
  • Part 4. Damage to Someone Else’s Property – The policy will not pay if property damage occurs while your auto is being used as a public or livery conveyance.
  • All Optional Coverages – The policy will not pay under any of the optional coverages if the accident happens while your auto is being used as a public or livery conveyance.
  • Part 12. Bodily Injury Caused by an Underinsured Auto – The policy will not pay for anyone injured while occupying your auto while it is being used as a public or livery conveyance.”
In addition, if the insurance company knows how vehicle is being used, they can cancel coverage.
Although premium prohibitive, the other option is to write coverage as a commercial vehicle/commercial insurance policy.
Please call or e-mail with any questions or to discuss.

3 Great Black Friday Recipes

3 Great Black Friday Recipes

  thanksgiving-leftovers

 Transform your Thanksgiving leftovers into great lunches and dinners in their own right!

nanas-turkey-pot-pie Nana’s Turkey Pot Pie

Ingredients:

2 tablespoons butter

1 onion, chopped

2 stalks celery, chopped

3 carrots, chopped

4 tablespoons flour

4 cups chicken or turkey stock

2 potatoes, peeled and diced

2 cups shredded turkey

2 tablespoons chopped parsley

1/2 cup frozen peas, thawed

1 prepared pie crust

1 egg, lightly beaten

Directions:

  • Preheat oven to 350 degrees F.
  • Melt butter in saucepan and cook chopped onion until tender. Stir in celery and carrots and cook for 2 minutes. Stir in flour and cook for 2 minutes. Add chicken stock and bring to a simmer. Add potatoes and simmer until tender. Stir in turkey, parsley and peas. Pour mixture into casserole. Top with pie crust and brush with egg. Bake for 30 minutes until crust is golden.

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Mayflower Open Faced Sandwich

Ingredients:

One slice of whole grain bread

Left over turkey (about one cup)

Left over turkey gravy

Two tablespoons whole berry cranberry sauce

Left over stuffing, about an ice cream scoop full

Chopped parsley or chives (optional)

Directions:

Place the bread on a dinner plate. Place the stuffing on top of the bread, the turkey on top of the stuffing, gravy on top of the turkey. I like the cranberry on top of the gravy, others like it on the side with the re-heated mashed potatoes. Sprinkle the plates with chopped parsley or chives.

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Cranberry Champagne Cocktail

Ingredients:

1 ounce sweetend cranberry juice

1 wedge lime

Champagne or sparkling wine

Cranberries (frozen)

Directions:

In a chilled champagne flute, add cranberry juice and a squeeze of lime. Top off the glass with champagne and garnish with 3 cranberrys. We substitue ginger ale for the champagne for the kids (who love it).

Enjoy and Happy Thanksgiving!

Fall Home Maintenance Tips

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Prepare your home for cooler days ahead

Fall foliage is beautiful, but not when it builds up in your gutters. Take these tips into account during the cooler autumn months.

  • Have your furnace cleaned and inspected annually by a qualified technician.
  • Keep flammable materials, including all lawn and power equipment, away from water heaters and wiring in the basement.
  • Insulate water pipes in areas exposed to cold temperatures, and turn up the thermostat during extra cold periods.
  • Check for damage to your roof, and clean gutters and downspouts to keep debris from accumulating. This is especially important during the fall season to keep leaves from building up in gutters.
  • Check and repair caulking around doors and windows that show signs of deterioration.
  • Check caulking around showers, bathtubs, sinks and toilet bases; and make repairs as needed.
  • Have your chimney cleaned and maintained annually by a professional.
  • Clean and/or replace your furnace filter.
  • Clean the clothes dryer exhaust duct and space under the dryer. Remove all lint, dust, and pieces of material.
  • Check your electrical outlets for potential fire hazards such as frayed wires or loose-fitting plugs. Be sure not to overload electrical outlets, fuse boxes, extension cords or any other power service.
  • Keep a multi-purpose fire extinguisher accessible, filled and ready for operation.
  • Inspect your smoke detectors. Make sure there is one on each floor of your home. Test them monthly, and change the battery annually or as needed.

 

 

 

Game Day Chicken Chili Recipe

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Ingredients

  •   4 cups chopped yellow onions (3 onions)
  • 1/8 cup extra virgin olive oil, plus extra for chicken
  • 1/8 cup minced garlic (2 cloves)
  • 2 red bell peppers, large diced (no core or seeds)
  • 1 teaspoon chili powder
  • 1 teaspoon ground cumin
  • 1/4 teaspoon cayenne pepper, or to taste
  • 2 teaspoons kosher salt, plus extra for chicken
  • 2 (28 ounce) cans diced tomatoes in puree, undrained
  • 1/4 cup minced fresh basil leaves
  • 4 split chicken breasts, bone in, skin on
  • Freshly ground black pepper

For serving:

  • Fine diced onions, corn chips, grated cheddar cheese, sour cream

Directions

  • Cook the onions in the oil over medium heat for 8-10 minutes, until translucent.  Add the garlic and cook for 1 more minute.  Add the bell peppers, chili powder, cumin, red pepper flakes, cayenne and salt. Cook for 1 minute.  Add the diced tomatoes to the pot with the basil.  Bring to a boil, then reduce the heat and simmer, uncovered, for 30 minutes, stirring occasionally.
  • Preheat the oven to 350 degrees F.
  • Rub the chicken breasts with olive oil and place them on a baking sheet.  Sprinkle generously with salt and pepper. Roast the chicken for 35-40 minutes, until just cooked. Let cool 3-5 minutes, then separate the meat from the bones and skin and cut into 1/2-3/4 inch chunks. Add the chicken to the chili and simmer, uncovered, for another 20 minutes.  Serve with toppings or refrigerate and reheat gently before serving.

10 Great Boston-Area Apple Picking Orchards

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Belkin Family Lookout Farm

10 a.m.-5 p.m. daily, 89 Pleasant St., South Natick, 508-653-0653, lookoutfarm.com

One of the oldest working farms in the country, Belkin Family Lookout is a staple in Boston, and the closest to the city. With Asian pears, apples, and pumpkins, your will find plenty to pick here. During the week, families can enjoy a hay pyramid, farm-themed play area, moon bounce, and more (all included in the admission fee). The weekends bring even more delights, with face painting, hayrides, and (for $5) pony and camel rides.

Brooksby Farm

9 a.m.-4 p.m. daily, 54 Felton St., Peabody, 978-531-7456, brooksbyfarm.org

In Brooksby’s farm-fresh store, the smell of cider fills the air, with doughnuts and fresh fudge abound. The store also takes on a heartwarming holiday theme throughout the seasons, with fresh pies and baked goods to fill gift baskets. Brooksby is perfect for a relaxing weekend, with barnyard animals and the perfect orchard for your apple-picking needs.

Dowse Orchards

9 a.m.-6 p.m. on Saturdays & Sundays, 98 North Main St., Sherborn, 508-653-2639, dowseorchards.com

With 200 years of farm production and 60 years with a roadside farm stand, Dowse is definitely a safe bet for good fall fun. Fall at Dowse brings pumpkins, mums, and pick-your-own apples. In the beginning of October, many apple varieties reach their prime at Dowse, specifically Golden and Red Delicious. If your apples are going toward a sweet tooth, grab some Goldens for the perfect pie, or pick some Reds to slice for a salad.

Connors Farm

8 a.m.-6 p.m. daily, 30 Valley Road, Danvers, 978-777-1245, connorsfarm.com

Though apple picking is available all week, on weekends Connors Farm can’t be beat for activities. With a corn maze, hayrides, bouncy houses, pumpkin tetherball, and more, the weekends have countless family activities available. In October, Connors takes on Halloween, transforming into a haunted farm with a flashlight maze ($14), Haunted Corn Fields and Zombie Safari Paintball on Friday and Saturday nights (each $24.99 or $39.99 for both).

Boston Hill Farm

9 a.m.-6 p.m. daily (bags only sold until 5 p.m.), 1370 Turnpike St., North Andover, 978-681-8556, bostonhillfarm.com

If you are the eat-as-you-go type of apple picker, Boston Hill Farm is the place for you. September and October are prime time at Boston Hill for the Macintosh, Cortland, and Macoun apples, perfect for munching while picking. Along with the standard apple cider doughnuts, Boston Hill’s farm store has less traditional offerings like cinnamon doughnuts and sugar pumpkins (you can pick the real thing in their fields, too). After you’ve picked your fill, grab a scoop of Richardson’s ice cream and go hang out with the bunnies and sheep.

Highland Farm Orchard

10 a.m.-6 p.m. daily, 635 Highland St., Holliston, 508-429-8370, highlandfarmorchard.net

Though the apples are the only fruits available here for pick-your-own, Highland Farm Orchard is currently picking fresh yellow-and-white corn, Asian pears, and veggies daily to stock their store. With 11 different varieties in the orchard, Highland Farm keeps apple pickers around all season. If you can’t make it out before the end of October, Highland is the safest bet, as their Granny Smith, Pink Lady, and Braeburn apples will be ready in early November. Be careful—hayrides are reservation only, so be sure to call ahead to reserve one for your family.

Honeypot Hill

9 a.m.-6 p.m. daily, 138 Sudbury Road, Stow, 978-562-5666, honeypothill.com One of Boston’s premier orchards, Honeypot Hill is known for hayrides, delicious fresh cider and cider doughnuts, caramel apples, and apple pies. The whole family can enjoy the new Big Green Monster Hedge maze. On the weekends, Bosc pears are available for pick-your-own as well.

Shelburne Farm

9 a.m.-6 p.m. daily, 106 W. Acton Road,  Stow, 978-897-9287, shelburnefarm.comReady to start decorating for Halloween? Pick the perfect pumpkin at Shelburne for $0.60 per pound, or pick one up from the stand on your way out. On the weekends, a $5 pass gets parents and children into hay and tractor play areas for after-picking fun, or families can enjoy hayride tours of the orchard for the full experience.

Carver Hill Orchard

10 a.m.-5 p.m. Mondays-Saturdays; 12 p.m.-5 p.m. on Sundays, 101 Brookside Ave., Stow, 978-897-6117, carverhillorchard.comWith summer squash, eggplant, corn, and beans, Carver Hill Orchard offers year-round picking, but comes to the height of its pick-your-own season with the fall apple and pumpkin selection. Macintosh, Macoun, Honey Crisp, Baldwin, and more apples line the rows at this farm.

Smolak Farms

7 a.m.-6 p.m. daily, 315 South Bradford St., North Andover, 978-682-6332, smolakfarms.com

With the most varieties of any farm near Boston, Smolak Farms is the best choice for varied picking. In the Antique Apple Orchard, Smolak Farms grows 20 types of apples, preserving some varieties that are no longer grown commercially, including the Pink Pearl and Sheepnose. The farm has four other orchards, with plenty of unique options for visitors. With hayrides, activities, animals, and more, Smolak Farms is an all-around winner.

Apple picking is about more than juicy fruits. A lot of farms also offer fun activities for the whole family. Happy fall from Johnson & Rohan!

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Johnson & Rohan Insurance

Johnson and Rohan Insurance 2

Johnson & Rohan Insurance is a family owned and operated, full-service, independent insurance agency located in Lynnfield, Massachusetts. With over 100 years of experience, Johnson & Rohan ensures every customer receives the lowest possible premiums and best possible coverages. As an independent agency, Johnson & Rohan represents many of the top insurance companies in the State. The agency invests in state of the art rating software with the ability to take the needs of an individual or family and we shop these needs with dozens of companies to find you the best rates and coverages. But more than that, we think it’s our old fashioned sense of customer service you’ll notice first. We’re a family business treating our clients and their families as we would our own.

At the time of a claim…

People don’t buy insurance thinking about claims, but claim time is where the true value of an insurance agent stands out. As independent agents, we work for you at the time of a loss. We advise and advocate for you during this process and take the extra time to ensure you get a prompt and fair settlement. You will have a veteran insurance professional advocating for you and your claim with the insurance company that direct sellers won’t provide.

Ask our clients…

Our Agency thrives, in part, because of our extremely high retention and referral rates. Our customers appreciate what we do for them and they tell their friends. We believe you will notice a difference from other agencies every time you call our office. We are eager to serve you and to do whatever it takes to earn your trust and business.

Products…

Serving all your insurance needs:

Personal Lines- Auto Insurance, Homeowners, Personal Liability Umbrella, Life, Diability, Condo, Renters, Boats, Power Sports

Commercial Products- Businessowners, Professional Liability, Commercial Auto, Workers Compensation

Product Support…

Did you know we have four websites providing consumer insight and expertise into Personal Lines and Commercial insurance?

JohnsonandRohan.com– Our flagship site, packed with information on homes, autos, life and umbrella coverage plus access to the Registry of Motor Vehicles, on-line bill pay and more.

MassAutoQuote.com– A great reference site with real time access to the Registry and real time insurance quotes.

HomeownerQuote.com– A user friendly site set up to provide tips on saving money on Homeowner policies, easy explanations of Homeowner policy coverages and easy to use quote requests.

MassQuotes.com– A comprehensice Personal Insurance site with insurance advice, insights and tips abd easy quote requests.

Freeze Out

Ice Dam Prevention Tips

On extremely cold days, take the following precautions to help prevent freezing pipes and resulting water damage:

– Maintain higher than normal temperatures (65 degrees +).

– Turn on your faucets and let the water trickle constantly.

– Open cabinet doors under the sinks. This will allow the heat to warm the pipes.

– Insulate pipes. Insulation goes a long way toward preventing freeze ups.

– Your exterior faucets used for your garden hoses should be shut off from inside your basement and left open (even if you have freeze-proof sill cocks).

Winter Driving Tips

Massachusetts Driving Tips

Driving during winter here in Massachusetts can be one of the most difficult and hazardous situations for both new and experienced drivers.

Johnson & Rohan Insurance offers some winter driving tips:

  • Reduce your speed according to road conditions. Drive cautiously and accelerate gently.
  • Never lock your brakes on icy roads. You will lose steering control. If you do skid, try to remember to turn into the direction of the skid.
  • Increase the space between your vehicle and others. You need more distance to stop safely on slippery surfaces.
  • Make sure your windshield washer has sufficient fluid and that your wipers and defroster are in good condition.
  • Before driving, completely remove ice and snow from your vehicle. Clear all windows, wipers, headlights, and brake lights.
  • Keep your fuel tank at least half full to prevent the fuel line from freezing.
  • Keep a sleeping bad or blanket, flashlight, water, high calorie food that will not spoil, and a shovel in your trunk for emergencies.
  • Best tip of all: Don’t Drive!

From all of us at Johnson & Rohan Insurance: Stay Safe Massachusetts!

Winter Storm Watch

Snow storm

As Monday’s storm descends on Massachusetts, rest assured you can report a claim 24 hours a day, 7 days a week.

Some of our popular, after-hours claim numbers:

Travelers:     1-800-252-4633

Safety Insurance:    1-800-951-2100

Vermont Mutual:      1-800-435-0397

Progressive Insurance:    1-800-274

MPIUA:      1-800-392-6108

 

CBS Boston reports the following Winter Storm Watch:

10 a.m. to 4 p.m:

The “peak” of the storm. When the majority of the snow accumulation occurs. Steady and at times heavy snow falls in all of eastern Massachusetts. Again, heaviest snow and strongest winds in southeastern Massachusetts. Blizzard conditions in that region.

After 4 p.m:

Snow continues across the area but lighter in intensity. Snowfall accumulation slows considerably and winds begin to turn more northerly and with a bit less ferocity. While the snow will continue for most of the night, it will get lighter and spottier after midnight, with just a few flurries left Tuesday morning.

SNOW AMOUNTS:

9-to-12 inches:

The highest snow totals will be in southeast Massachusetts including Plymouth and Bristol counties as well as the Cape and Islands. There will likely be some ocean-enhanced snowbands in this area, these highly localized bands of snow could cause a few towns in southeast Mass. to go over the foot mark.

6-to-9 inches:

Norfolk County, Suffolk County (Boston) and all areas inside Route 128, including the North Shore and Cape Ann.

3-to-6 inches:

Most of the 495 belt north of the Mass Pike, and points west to Worcester County and southern New Hampshire.

1-to-3 inches:

Areas north and west of Worcester County.

WINDS:

A major factor with this storm will be the powerful northeast wind gusts. Once again the worst hit area will be Plymouth County, Cape Cod and the Islands where gusts will range from 45-to-65 mph Monday.

Farther north along the Coast from Boston to the North Shore, gusts will range from 30-to-45 mph.

Across the interior, winds will be gusty but not nearly as powerful, gusts 20-to-40 mph at times.

Given the already stressed trees due to our last heavy and wet snow on Friday, numerous power outages are again likely with this event.

COASTAL FLOODING:

The area of concern once again – the Plymouth County coastline, Cape Cod and Nantucket. We expect minor to moderate coastal flooding here between 9 a.m. and 1 p.m.

WHAT’S NEXT?

First the snow.  While the majority of the snow will fall on Monday, some snow will likely be in the air Tuesday and Wednesday as well. Then comes the cold, the most brutal air since last winter will drop out of Canada later this week. Next weekend looks absolutely frigid. High temperatures in many areas could be stuck in the single digits by day, dropping below zero at night.

Advanced Driver Training Discounts

Johnson & Rohan recommends In Control – Crash Prevention Training.

As a parent, one of our biggest worries is when our teen driver gets their license.

In Control – Crash Prevention Training is a program that puts drivers in controlled, high risk driving situations, designed to significantly reduce the risks associated with being a new driver.

In Control offers a half-day hands-on course developed by professionally trained race car drivers who also train police, firefighters, and emergency response drivers.

Drivers learn: how to control skids, how to effectively use ABS brakes, dangers of tailgating, problems with backing up, how to manage emergency lane changes, and the effects of speed on driving control.

In Control offers a 10% discount to Johnson & Rohan clients. The present cost of the program is $299 per student with additional family members costing $200.

In addition, Safety Insurance offers this program to our clients for $75.

They are also provide a 5% discount on auto insurance for drivers that have completed this course.

We are very excited about this program and the skills that it teaches. Reviews of this program have been excellent.

Please call or click us to learn more.

Johnson & Rohan