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Articles about general business insurance

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Business interruption insurance can be as vital to your survival as a business as fire insurance. Most people would never consider opening a business ... Read more >

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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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Of all businesses that close down following a disaster, more than 25 percent never open their doors again. While there’s no way to lower the ris... Read more >

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Several changes related to employee health insurance have occurred that employers need to be aware.  Revised model COBRA notices Federal regula... Read more >

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Murphy Insurance Agency is sponsoring its annual Toys for Tots Drive and is reaching out to the community for donations to help kids and families in n... Read more >

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If you're running a business from your home, you may not have enough insurance to protect your business equipment. A typical homeowners policy provide... Read more >

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New OSHA regulations effective June 16, 2011. Falls are the leading cause of death for workers engaged in residential construction. On December 16, ... Read more >

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Does your business collect “personal information” such as storing credit card numbers, logging personal check information or maintaining e... Read more >

 

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.