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Articles about business insurance

02

New England winters are known for their unpredictability. Keeping your business operations running smoothly and safely this winter is dependent on being prepared for whatever winter weather might bring. Taking these steps can help you address the most common problems that cause property damage in winter.

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Understanding the factors used by insurance companies to price a business insurance policy is key to making the best choices when it comes to finding the right coverage for your needs. If you’re planning to start your own business, consider the following factors that can affect the price of your business insurance:

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The Insurance Institute for Business & Home Safety (IBHS) offers small business owners free, user-friendly resources that can help assure their business continuity and checklists to help them protect their business investments and property when bad or severe weather threatens.

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  Workers' compensation policies issued to Sole Proprietors and Partnerships do not provide coverage for the individual sole proprietor or... 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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  Does your business use “independent contractors”? If so, are you in compliance with Massachusetts Independent Contractor L... Read more >

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A recently published white paper examines the current exposure to cyberrisk and how insurers are responding. Interest in cyber insurance and risk continues to grow beyond expectations in 2016 in part due to high profile data breaches, but also due to awareness of the almost endless range of exposures businesses face. Attacks and breaches have grown in frequency, and loss costs are on the rise.

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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 >

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Does your business employ one or more people? If so, you need to be prepared for the possibility of an employee lawsuit. Small businesses are just as vulnerable as large corporations… even family businesses aren’t immune. There are steps you can take to prevent lawsuits such as...

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In 2015, a new Massachusetts law went into effect regarding certificates of insurance.  This legislation, MGL Chapter 175L was enacted to legally clarify that insurance certificates do not and cannot modify the terms or conditions of the insurance policies they evidence. Yet, a year later, instances still occur where businesses or their clients appear either confused or unaware of the law. Outlined here are the key points of the law.

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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.