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CONTACT US:
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 | | Daniel F. Dwyer, III |
D.F. Dwyer Insurance
38 Bellevue Avenue
Newport, RI 02840
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our new office:
2623 East Main Road
Portsmouth, RI 02871
phone: 401.846.9629
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FARMER'S ALMANAC FORECAST:
| May 2013
Temp 55 degrees (1 degree below average); precipitation 3.5" (1" below average north, 1" above south) 1-8 Showers, then sunny, warm. 9-14 Rainy periods, cool. 15-21 showers, then sunny, cool. 22-28 Scattered showers, seasonable. 29-31 sunny, hot! |
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EXTRA EXTRA!
Info for You
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GOT A QUESTION?
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We've got answers for you. Visit our Resources page to find helpful links, archived newsletters and Facebook articles.
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The Votes Are In!
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D.F. Dwyer Insurance was voted Best Insurance Agency of Newport County again this year by the readers of Newport Life magazine!
We want to thank all of our clients and friends who voted for us in the Reader's Poll. Since 1962, our philosophy has been "To always do what is best for our clients." We continue to be sincerely dedicated to this mission, and the positive feedback we receive from our clients is truly appreciated.
Again, thank you for your continued support!
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Distracted Driving . . .
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 Just Don't Do It!
With the increase of seasonal visitors and traffic, driving on Aquidneck Island can be frustrating at this time of year. Combining our busy schedules with extra traffic can tempt us all to multi-task behind the wheel. But don't do it! Here's why you should hang up and just drive...
Driver distractions or inattentive driving play a part in one out of every four motor vehicle crashes. That is more than 1.5 million collisions a year and 4,300 crashes daily, according to the National Highway Traffic Safety Administration.
According to Distraction.gov there are three main types of distraction
- Manual: taking your hands off of the wheel
- Visual: taking your eyes off of the road
- Cognitive: taking your mind off driving
While the tips below are just common sense, the challenge comes in actually applying them in our busy lifestyles.
- Pull Off the Road
- Use Speed Dialing
- Never Dial While Driving
- Take A Message, Let Your Voice Mail Pick-up
- Know When to Stop Talking, Keep Conversations Brief
- Don't Eat or Drink While Driving
- Groom Yourself At Home
Remember, avoidable distractions cause unnecessary accidents.
Visit our Resources page for more of this article
*Content: Information Insurance Institute & National Highway Traffic Safety Administration
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Small Business Insurance Basics
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 What You Need To Know
The most common policy for small businesses is a Businessowners Policy (BOP) that combines coverage for all major property and liability insurance risks into one package policy suitable for most small businesses. To cover specific risks associated with a business, a variety of additional coverages may be added to the basic BOP.
Only small- to medium-sized businesses that meet certain criteria are eligible for a BOP. Factors insurers consider include the size of the premises, the required limits of liability, the type of business and the extent of offsite activity. Premiums for BOP policies are based on those factors plus business location, financial stability, building construction, security features and fire hazards.
Most small businesses need to purchase at least the following four types of insurance:
- Property Insurance compensates a business if property is lost or damaged as a result of various types of common perils, such as fire or theft. It may also cover office furnishings, inventory, raw materials, machinery, computers and other items vital to a business's operations.
- Liability Insurance pays damages for which a business is found liable as well as attorneys' fees, legal defense expenses and the medical bills of anyone injured by, or on the premises of, the business.
- Business Auto Insurance pays any cost to third parties resulting from bodily injury or property damage for which the business is legally liable.
- Workers Compensation Insurance pays for medical care and replaces a portion of lost wages for an employee who is injured in the course of employment, regardless of who was a fault for the injury.
Other Types of Business Coverages:
- Errors & Omissions Insurance / Professional Liability
- Employment Practices Liability Insurance
- Directors & Officers Liability Insurance
- Key Employee Insurance
- Umbrella Policies
Call us at 401-846-9629 to discuss your Small Business Insurance needs; we're always here to help!
See our Resources page for more on Small Business Insurance Basics...
*Content Courtesy: Information Insurance Institute
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Travel Insurance
|  If you're traveling this season it would be wise to consider how your insurance coverage might be affected. A travel insurance policy provides excellent coverage for you and your trip, saving you money and hassle. Get a quote on several affordable travel insurance plans through D.F. Dwyer Insurance.
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For Our Valued Commercial Clients...
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Your Business is Our Business
We value all of our clients, but we're always happy to promote the businesses of our commercial clients.We've added a new 'Featured Client' section to our website and e-newsletter, where each month, we'll showcase one of our commercial clients. If you're one of our valued commercial clients, email us a photo, a brief description of your business (150 words max.) and the link to your website and we'll contact you shortly about your submission.
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