as of October 15, 2014
These Terms & Conditions are current as of the date at the top of this page, but may change from time to time. You should check back to this Web site to see recent changes. We may e-mail periodic reminders of our notices and conditions, unless you have instructed us not to. Continued use of this Web site after any changes to these Terms & Conditions shall constitute your agreement with any revised terms.
Representatives of the D. Francis Murphy Insurance Agency are collectively licensed to sell insurance in Massachusetts, Connecticut, Maine, New Hampshire, Rhode Island and Vermont. Information on this site is NOT intended or should NOT be interpreted as a solicitation or offer to sell insurance products in any jurisdiction in which Murphy Insurance Agency is not properly licensed.
Murphy Insurance Agency, D. Francis Murphy Insurance Agency and our block logo are service marks of D. Francis Murphy Insurance Agency, Inc. COPYRIGHT © D. FRANCIS MURPHY INSURANCE AGENCY 2014. ALL RIGHTS RESERVED. The pages and contents of the Murphy Insurance Agency site, including but not limited to graphics, logos, arrangement and text, are owned by D. Francis Murphy Insurance Agency unless otherwise indicated. Any third-party content, logos and company names available on or through this site are the intellectual property of their respective owners.
product & policy information
In various locations throughout the site, we provide information about various policies, insurance terminology and product information. Any and all information on this site is intended for illustrative purposes only as a general description of the available coverages and may not be construed as a statement of contract or legally binding. All coverages are subject to all policy provisions and applicable endorsements. Some coverage may be subject to individual insureds meeting underwriting qualifications and to availability within a state.
For your convenience, the site may contain links to other Internet sites controlled by third-parties not affiliated with Murphy Insurance Agency that you may find helpful or informative. The Agency has no control over the content of such sites; therefore, it hereby disclaims liability for any information, material, products or services offered by third-party Web sites. By creating a link to another site, Murphy Insurance makes no warranties or representations regarding the products, services, legality, propriety or contents of linked sites. While Murphy Insurance may provide links to pages maintained by insurance companies it represents, Murphy Insurance Agency accepts no liability for the content of these sites or for any direct communication you may receive from representatives of these companies as a result of visits to such pages. Third-party sites may have different Privacy Policies and may provide less security than the Murphy Insurance site.
disclaimers & limitation of liability
You use this site at your sole risk and agree that the site is provided “as is” without warranties of any kind either expressed or implied. Murphy Insurance makes no warranty, implied or expressed as to the accuracy, reliability, quality, completeness or timeliness of information on the site, which is subject to change. Neither the Agency nor any participant in development of this site provides professional advice of any kind and that use of such advice or any other information is solely at your own risk and without our liability. In no circumstances including but not limited to limited negligence, shall the Agency be liable for any damages direct, indirect, incidental or consequential including without limitation injury, distress, discomfort or physical damage resulting from but not limited to reliance upon information or contents obtained on or thorough the site. To the fullest extent permitted by law, Murphy Insurance disclaims all representations and warranties that the site is free of viruses or other harmful components. While Murphy Insurance has taken a variety of steps to insure the safety of information you provide through this site, it cannot guarantee that information entered by you will not be intercepted, misappropriated or used by others. Should this occur, you agree not to hold Murphy Insurance liable for any loss or damage resulting from any such compromise of information provided via the site.
You agree to indemnify and hold harmless us, our officers, directors, employees, agents, independent contractors, subsidiaries and related parties from any claim or demand, including reasonable attorney's fees, that may be made arising out of your use or connection with this Web site or related services.
You agree that these Terms and Conditions of Use and any dispute arising out of your use of this site or our products and services shall be governed by and construed in accordance with the laws of the Commonwealth of Massachusetts, without giving effect to any principles of conflicts of law. You agree that any law action shall be filed only in the Commonwealth or U.S. Federal courts located in Massachusetts and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating such action. If any provision of these terms shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these terms and shall not affect the validity and enforceability of any remaining provisions.
Not all products and services described in this site may be available in all states or may vary in certain states from descriptions found on the site. Please contact a Murphy Insurance Agency associate if you have questions.
Our website is designed and optimized for modern browsers such as Internet Explorer 8, Chrome 3, Safari 4, Firefox 3.5 and Opera 10. While other browsers work well with our website, presentation and layout is best using current versions of these browsers.