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25THECHRONICLE OF STURBRIDGE COUNTRYLIVING THE STURBRIDGETIMESMAGAZINE

insurance agent, who can price coverage

and make a recommendation as to

whether it is needed and, if it is, what

precisely needs to be covered.

Before purchasing coverage, it is im-

portant to understand what is and is not

covered. Some policies, for example,may exclude coverage for nuclear, chem-

ical, biological and radiological acts of

terrorism. Be certain that you have the

coverage you need.

Richard A. McGrath, CIC, LIA isPresident and CEO of McGrath Insur-

ance Group, Inc. of Sturbridge, Mass.He can be reached at rmcgrath@mc-

grathinsurance.com.

This article is written for informationalpurposes only and should not be construed

as providing legal advice.

do everything right. When they were

finally able to confront the criminals, a

lack of fire control may have led to thesevere wounding of MBTA Officer

Richard Donahue. An eyewitness told

the Boston Globe as reported in a May

7th article that the policeman was shot

in the hail of gunfire unleashed at the

SUV driven by the fleeing Dzhokhar

Tsarnev.

When the police thought they had

Dzhokhar run to ground they started

to search. Reasonable enough, but the

Terrorism insurance

My Boston Marathonmethodology was overboard. People

have posted youtube videos of the of-

ficers in paramilitary garb pointing

guns and screaming at residents as

they forced them from their homes.

This was unnecessary. The citizenry

were almost all on board with the pro-

gram.

The search did not result in cap-

ture. It was only because a Watertown

resident had not heeded all the gov-

ernment propaganda about the evils

of nicotine that Dzhokhar was found.

After the lockdown was lifted, he went

out for a smoke and noticed some-

thing amiss on his boat that had been

tarped for the winter.

The owner, David Henneberry, de-

cided to take a look. Seeing the sus-

pect, he left unscathed and reported

it. Soon, the police were engaged in a

gun battle with an unarmed man.

Then, high-tech imaging was done by

a helicopter, cause, you never know.

Finally, hours later, the younger

Tsarnev was apprehended.

The relief and satisfaction when

the Shelter in Place decree was lifted

was palpable, understandably so. Yet

questions need to be asked. Al Qaeda

lost two losers who were not even

members, just encouraged by their on-

line magazine, Inspire. There are esti-

mates that the costs of finding them

reached a billion in lost business and

overtime. In a strategic sense, the

enemy has to be encouraged.

This is what we have to look at

squarely. If we are going to militarize

the police or politicize the military to

deal with the occasional terror inci-

dent, the consequences will change us

constitutionally. I prefer to remember

the FDRs comments on fear.

Also, is there anyone who still be-

lieves we have to fight them over there

so we dont have to fight them over

here? Time to bring our boys and girls

home.

Ill be at 2014 Marathon.

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