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Entries for 'MurphyInsurance'

12

If you’re traveling with children, find out how to best keep them safe. Make sure car seats and booster seats are properly installed and that any children riding with you are in the car seat or booster seat best suited to protect them. There are other dangers to children in and around cars that you should know....

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Posted in: auto
07

Whatever getaway you plan, before you hook up that new boat or camper, or before you put your family or friends into your car, SUV, pickup, or RV, take the time to review some summer road travel safety tips. Prevention and planning are much easier than dealing with the consequences of a breakdown, or worse yet, a highway crash....

 

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Posted in: auto
29
  Workers' compensation policies issued to Sole Proprietors and Partnerships do not provide coverage for the individual sole proprietor or... Read more >

01

Spring may be the traditional time of year for cleaning out closets and drawers and organizing attics, but it is also a great time to review of your insurance coverages. As your life changes so do your insurance needs. Instead of just dusting around the corners of your insurance policies, take the time to read them over and ask yourself the following key questions:

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19

 

A BOP—a Business Owners Policy—can protect your small business against today’s most common risks. Fire, burglary, liability and business interruption losses are all covered under a BOP. Since a BOP is prepackaged, there is only one policy to review and it can be more cost effective than purchasing separate policies. Additional coverage can be added in the form of endorsements or riders.

Since a BOP insurance policy is specifically designed for small and medium-sized businesses, the type of business can influence eligibility. Normally, companies with 100 employees or fewer and revenues of up to about $5 million or less are candidates for a BOP. Some types of businesses, such as restaurants, may be ineligible for a BOP because of the specific risks inherent in the business and may need to consider buying the individual coverages separately.

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02

When it's time to set the clocks forward in Spring or backward in the Fall forward for Daylight Savings Time, fire safety officials recommend checking that your smoke alarms and carbon monoxide detectors are in working order. Working smoke detectors decrease the risk of dying in a house fire by nearly 50%. Here are a variety of safety tips to remember.

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Posted in: general
13

The homeowners policy liability section covers only "bodily injury" and "property damage." Thus, any type of non-bodily injury such as personal injury is excluded without the attachment of a personal injury endorsement. 

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14
Four out of 10 small businesses are likely to experience a property or general liability claim in the next 10 years, according to an analysis of The H... Read more >

01
As a cyclist, you've chosen a sports activity that puts you on the road with a lot of vehicles.  No one needs to tell you that drivers have a... Read more >

10

The House of Representatives is expected to consider and debate legislation, recently released by the Financial Services Committee, which would regulate Transportation Network Companies (TNCs) like Uber and Lyft. TNCs and their drivers would be overseen by a new regulatory “Ride For Hire Division” under the Department of Public Utilities (DPU). The new division would be responsible for licensing of the TNC companies and drivers, enforcing penalties, requiring background checks for drivers and setting forth insurance requirements that the TNC companies must carry for their drivers...

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Posted in: auto, general
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The information provided in these articles are only general descriptions and should not be relied upon as complete, correct or accurate for your specific situation. All coverage informaiton is subject to policy provisions, endorsements and may be  subject to your meeting underwriting qualifications. Murphy Insurance Agency is not engaged in rendering legal, accounting or other noninsurance professional services. Consult an appropriate professional for advice regarding your own situation.