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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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13

The Massachusetts RMV launched a new web feature at www.massrmv.com. The new “myRMV” is an easy and friendly central customer page that allows customers to view their RMV information and conduct RMV online transactions all from this one location.

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27

MassDOT Registrar of Motor Vehicles Erin Deveney announced today that applications for the 2016 Low Number Plate Lottery are now being accepted online or by U.S. mail.

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23

Whether building a new home, remodeling an existing home or even repairing a home that has been damaged, a lightning protection system can be a worthwhile investment. The growing market for smart home technology makes installing a lightning protection system even more important.  Lightning’s harmful surges can damage these internal building systems, which can be quite expensive to restore.

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Posted in: home
20

If you have a CDL or CLP, be aware that the Federal Motor Carrier Safety Administration (FMCSA) has amended Commercial Driver License standards. This regulation is referred to as the “CDL Permit Rule”. The Massachusetts RMV will implement the rule starting in July 2016. 

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02

June 1 marks the beginning of Atlantic hurricane season, which ends on November 30.  Take steps to prepare and have an action plan in case you need to evacuate and to ensure that you have sufficient supplies for a few days. Also review your insurance coverage to ensure that it is adequate in the event of a loss.

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Posted in: home
20

Dog bites (and other dog-related injuries) accounted for more than one-third of all homeowners insurance liability claim dollars paid out in 2015, costing in excess of $570 million, according to the Insurance Information Institute (I.I.I.).

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28

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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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
31

Due to a mailing issue, the Massachusetts RMV is still renewing registrations that expire in December 2016. If your December renewal has been delayed, you may still be eligible to renew online (assuming that no insurance stamp is required). 

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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.