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Mitigate your sewer backup loss exposure

April 25 2016
Sewer backup loss exposures are a common coverage gap under a homeowners policy. However, this exposure can typically be covered by the addition of a "Water Back-up and Sump Overflow" endorsement to your policy. In addition to procuring the proper insurance coverage, homeowners should adopt several risk control techniques concerning this loss exposure.

Understanding insurance audits - business insurance audits part 1

April 11 2016
Depending on who you ask, the reaction to insurance audits vary from “it was no big deal” to ”mildly annoying” to “frustrating”. As an agent, we wish that every audit fell in the “no big deal” category. By having a clear understanding of why audits are conducted, being as accurate as possible upfront with policy applications and maintaining proper documentation, businesses can make the audit process easier and avoid surprises.

Massachusetts mulch fire-safety law

April 01 2016
Property owners, who use mulch in their landscaping, need to be aware of the Massachusetts Mulch Fire-Safety Regulation law that applies to commercial properties and residential properties with six or more units. But, good informaiton for every property owner to prevent fire...

Protect your business from privacy and cyber threats

March 28 2016
Cyber attacks and data breaches can come from many sources. It’s not just criminals and external threats, but internal causes that businesses need to protect against. Privacy risks can result from lost/stolen documents, mobile devices; USB sticks; employee dishonesty; emails; spyware; viruses; hackers; third-party vendors and websites. Businesses should take a three prong approach to protect private information.

Home insurance checklist...getting the best value

March 24 2016
Whether you’re buying a new home or have owned your home for some time, understanding what components make up a solid insurance protection plan for your home, your valuables and your liability is essential. While your home may not change much over the years, insurance isn’t “a set it and forget it” decision. Changes in your life, improvements to your home and changes of construction in the general marketplace can change your insurance needs.

Car insurance checklist...getting the best value

March 03 2016
Use this guide to help you find ways to save on car insurance without sacrificing your protection. The most expensive insurance policy is one with gaps that leave you without coverage when you need it most. Stay focused on value—what you get…for what you pay.

Be aware of Uber and Airbnb insurance gaps

February 19 2016
Making money by driving for Uber or renting out all or part of your home through Airbnb sounds like a great idea. However, personal auto and home insurance policies don't cover these situations...leaving you with a serious coverage gap should an accident occur.

Murphy's Corner...Delivering value for you

February 12 2016
In case you haven’t heard it frequently enough… Thank you for your business. We appreciate you choosing Murphy Insurance as your source for obtaining insurance coverage to protect everything that matters most in your life… personal, business or both.