The Murphy Insurance BlogNews, updates and useful tips about insurance products and the insurance industry. We also provide insights on community events, local news and information that affect your everyday life. Enjoy!https://www.dfmurphy.com/blog.aspxInsuring your home-based businesshttps://www.dfmurphy.com/blog/PostId/840/Insuring-your-home-based-business.aspxBusiness InsuranceWed, 28 Feb 2024 15:54:00 GMT<h3>What you need to know if you work from home</h3> <p><img alt="home based business" src="/Portals/0/home%20business.jpg" style="width: 270px; height: 180px;" title="home based business" />Whether you’re running a part-time, seasonal or full-time business from your home, you’ll want to carefully consider your risks and insurance needs. Starting a business—even at home—can be a challenging venture, and having the right insurance can provide a financial safety net and peace of mind.</p> <p>Your insurance choices should, in part, be based on the type of business you operate. For instance, if you’re a sole practitioner home-based accountant, you’ll have very different insurance needs than your neighbor who runs a childcare business. When considering insurance for your business, here are some questions to ask yourself:</p> <ul> <li><strong>What type of business do I run? What are the potential risks faced by your type of business?</strong></li> <li><strong>What is the value of my business property? </strong>Do you have expensive equipment, such as cameras or commercial printers? Do you stock valuable business inventory, such as gemstones?</li> <li><strong>Does my business have employees?</strong></li> <li><strong>Do customers or contractors visit my business at my home?</strong></li> <li><strong>Do I use my car or other vehicles in the course of my business operations?</strong></li> <li><strong>Does my business store customers’ financial and personal information on a computer or through a cloud computing service?</strong></li> </ul> <p>The answers to these questions will guide which types of insurance to purchase—and how much coverage you’ll need. For your home-based business, the main types of insurance to consider include the following:</p> <h4>Property and liability insurance</h4> <p>Depending on the nature of your home-based business, you’ll need insurance to protect the value of your business property from loss due to theft, fire or other insured perils. You’ll also need liability protection to cover costs if someone is injured as a result of visiting your business or using your product or service. Your homeowners insurance may provide some protection for your business, but it may not be sufficient. Options for property and liability insurance for home-based businesses include:</p> <ul> <li>Adding an “endorsement” to your homeowners policy</li> <li>Stand-alone home-based business insurance policies</li> <li>A Business Owners Policy—or BOP—which combines several types of coverag</li> </ul> <h4>Business vehicle insurance</h4> <p>Your personal auto insurance may provide coverage for limited business use of your car. But if your business owns vehicles or your personal vehicle is primarily used for business purposes, you’ll need business vehicle insurance.</p> <h4>Workers compensation insurance</h4> <p>If you have employees, you’ll want to strongly consider purchasing workers compensation insurance to cover costs if an employee is hurt on the job. Workers compensation insurance provides wage replacement and medical benefits to employees injured in the course of employment, in exchange for relinquishing the right to sue the employer. In some states, workers compensation insurance is mandatory, so be sure to check your state’s workers compensation website for local requirements.</p> <p>Other types of insurance may be suitable for your home-based business as well. Your insurance professional can help you evaluate your needs and select insurance to meet your budget.</p> <p>Source: <a href="http://www.iii.org" target="_blank">Insurance Information Institute</a></p> 840Cyber risk...cyber securityhttps://www.dfmurphy.com/blog/PostId/886/cyber-risk-cyber-security-and-covid-19.aspxBusiness InsuranceTue, 27 Feb 2024 15:21:00 GMT<p>Cyber security and the risk of a data breach are greater than ever.  Yet, many businesses have fully considered the increased cyber security risk. The coronavirus pandemic has changed how almost every company operates and accelerated the landscape of cyber risk:</p> <ul> <li>Many companies have adopted work-from-home policies resulting in more remote access to company systems and data via laptops and cellphones. In some cases, employees may be using their own personal devices to connect or conduct company business. </li> <li>Electronic meetings via Zoom and other platforms to conduct company business have created additional opportunities for hacking.</li> <li>Businesses have changed their operations including, in some cases, expanding e-commerce offerings and payment methods. </li> <li>Stress on IT infrastructure and resources from both a systems and staffing perspective.</li> </ul> <h2>Increasing Cyber Risk</h2> <div>Due to the growing reliance on technology, cyber risk has long been considered a top risk for organizations in coming decades; however, <strong>with the arrival of the coronavirus, many companies are realizing that cyber concerns, which seemed years off, have become a reality within a matter of weeks</strong>...and the challenges are accelerating.  </div> <ul> <li>The increase in number of people working remotely has increased the number of targets for cyber attackers using phishing scams and malware on the newly remote workforce. </li> <li>Fast deployment of work-from-home may result in system access vulnerabilities and increases the risk of lost devices. </li> <li>Changes in operations requiring expanded online functionality including payment and other e-commerce features has potential liability concerns for security of customer data.</li> </ul> <p><strong>Despite the challenges of this rapid change, many cyber risks are known</strong>; therefore, they can be anticipated and with proper planning mitigated through prevention efforts. </p> <p>In addition to reviewing data security protocols and increased training. More and more businesses are now purchasing Cyber Liability insurance as part of their risk management plan. Cyber Insurance can help businesses to be financially protected for instances when a data breach or other cyber risk occurs despite their best efforts.   </p> <h3><img alt="Cyber Risk and Liability" src="/Portals/0/cyber_crime.jpg?ver=2020-06-30-155410-900" style="margin-left: 25px; margin-right: 25px; float: right; width: 300px; height: 200px;" />Two key areas of risk</h3> <h4><strong>Increased phishing and malware attacks</strong></h4> <p>Put your employees on alert. Law enforcement and cyber experts have reported dramatic increases of cyber criminals using the coronavirus as an opportunity to send phishing emails and spread malware attacks, which if successful can collect login credentials, account numbers, and other sensitive personal and business information.</p> <p>The best line of defense is training staff on how to identify red flags of social engineering phishing scam and to follow proper protocols if they receive suspicious communications. Here are links to two helpful resources that can help you and your staff learn how to identify scams.</p> <ul> <li> <p>The Federal Trade Commission has an informative guide on <strong><a href="https://www.consumer.ftc.gov/articles/how-recognize-and-avoid-phishing-scams" target="_blank"><span style="color:#c0392b;">How to Recognize and Avoid Phishing Scams</span></a></strong> with additional information that you can use to train yourself and your staff on how to avoid phishing scams and what to do if you fall victim.</p> </li> <li> <p><a href="https://www.knowbe4.com/" target="_blank"><span style="color:#c0392b;">KnowBe4</span> </a>also has a helpful cheat sheet to help identify <strong><a href="https://www.dfmurphy.com/Portals/0/Social Engineering Red Flags.pdf?ver=2020-09-03-110824-107"><span style="color:#c0392b;">Social Engineering Red Flags</span></a></strong> in emails.</p> </li> </ul> <h4><strong>Systems and confidentiality exposures</strong></h4> <p>With employees working from home, the exposures increase exponentially especially if prior to the pandemic work-from-home wasn't typical for your organization. Also if your business has changed how it operates and conducts customer transactions, it's important to consider that these new activities are being properly managed to address security concerns. Assessing your company's preparedness and protection in the face of cyber and data risks requires considering security from a variety of angles.  Here are just a few to consider:</p> <ul> <li>Are employees remotely accessing your network using company issued or personal devices?</li> <li>Are you using security software to help detect threats, and is your system data backed up separately from your network?</li> <li>Have you established procedures for storage and access of sensitive company/customer information?  Have you maintained security with remote access?</li> <li>Have you established procedures to ensure that sensitive information is secure if using Zoom or other online meeting tools?</li> <li>Have you changed how your business provides services and conducts transactions/payments such as online payment that could impact storage and protection of private personal information?</li> </ul> <div><br /> Depending on how you answered these questions you may feel confident that you are doing all you can to protect from cyber risks or you may find that you have areas that require improvement.</div> <div> </div> <div> <h2>How Cyber Liability insurance helps protect your business</h2> <p><img alt="cyber security" src="/Portals/0/cyber-security.jpg?ver=2020-09-03-155409-863" style="margin-left: 25px; margin-right: 25px; float: right; width: 300px; height: 180px;" />Cyber Liability insurance protection addresses the first- and third-party risks associated with e-business, the Internet, networks and informational assets. While some general insurance liability policies may offer limited protection in the event of a data breach, typically the coverage provided isn't sufficient for a significant cyber liability event. The category of Cyber Liability includes security breaches; data theft; virus transmission; privacy issues; copyright, trademark and intellectual property infringement; libel or any other issues that first parties can pass to third parties via the Internet. Some of the types of claims that may occur include:</p> <ul> <li>Accidental release of confidential customer information</li> <li>Spreading a virus into a customer’s computer system</li> <li>Theft of customer’s credit card or banking account numbers</li> <li>Identity theft resulting from data breach</li> <li>Denial of service attack hacking</li> <li>Electronic data extortion or destruction</li> <li>Interruption of business operation due to system being down</li> <li>Webmaster uses another site's content in site development</li> </ul> <p><br /> While the exposures outlined above are not all inclusive, and no policy covers every risk, Cyber Liability insurance can make all the difference in helping your business avoid a crippling financial impact if a system or data breach occurs despite your mitigation efforts. <strong>To learn more about getting Cyber Liability coverage for your business, <a href="https://www.dfmurphy.com/resources/Forms-Center/Contact-Us.aspx">contact us</a></strong>. We look forward to helping ensure your business has the protection in needs especially during these challenge times of accelerated risk.</p> </div> <div> </div> 886A full insurance review is worth your timehttps://www.dfmurphy.com/blog/PostId/820/A-full-insurance-review-is-worth-your-time.aspxPersonal InsuranceWed, 21 Feb 2024 18:27:00 GMT<p><img alt="Insurance Checkup" src="/Portals/0/check.jpg?ver=YuBAAZ-V06fkxztpw61DwA%3d%3d" style="margin: 25px; float: right; width: 300px; height: 212px;" />You bought your insurance...auto, home, business, life, etc., and know you’re covered. From a money stand point, you’re good with the premium. So, why bother talking to your insurance representative unless there is something specific to take care of? </p> <ol> <li><strong>Changes in your life can impact your needs and you may not realize it;</strong></li> <li><strong>Insurance companies often come out with new coverage options that you should consider.</strong></li> </ol> <h3>Life changes that typically require an insurance change</h3> <ul> <li><strong>Change in use of your home or auto</strong> – business use, rent a room, Airbnb, driving for Uber, Lyft, etc</li> <li><strong>Change in drivers having regular access to your vehicle</strong> - make sure everyone is covered</li> <li><strong>Change in marital status or living arrangements</strong> - make sure everyone and all possessions are covered</li> <li><strong>Change of jobs</strong> - change of life or disability benefits, starting a business, company car, etc.</li> <li><strong>Birth or adoption of a child</strong> - reconsider life insurance needs</li> <li><strong>Hiring a nanny or other home worker </strong>- workers compensation</li> </ul> <p>     <br />         learn more > <a href="https://www.dfmurphy.com/resources/News-Articles/10-questions-to-help-assess-changing-insurance-needs2.aspx">10 questions to help you assess changing insurance needs</a></p> <h3>Options you might want to consider or reconsider</h3> <p><u><strong>Auto</strong></u></p> <ul> <li>Automobile accident forgiveness</li> <li>Disappearing deductible</li> <li>Transportation Network Company driver endorsement</li> <li>Umbrella extension of underinsured and uninsured motorist coverages</li> </ul> <p><u><strong>Home</strong></u></p> <ul> <li>Home service line coverage</li> <li>Oil heat fuel remediation coverage</li> <li>Optional higher limits on mold protection</li> <li>Ordinance or law coverage - pays for building code upgrades required after a loss</li> </ul> <p><strong><br /> At Murphy Insurance, we don’t believe in “set it and forget it” when it comes to your insurance protection.</strong> That’s why we send out information by newsletter, share information via our blog and social media, send individual notices and other communications. We work diligently to stay in touch about specific issues you should consider or simply when we haven't spoken in a while.</p> <p><strong>Ultimately, it takes you reaching back out to us to complete that loop and say “Yes...I want to talk”. </strong>Without a conversation, we can’t know what might have changed that requires modification of your current insurance. If anything above indicates we should talk, call us, send us an email, or stop by. Just don’t wait too long because you never know when something can happen and we want your protection to be right.</p> 820Workers' compensation: 3 key factors to considerhttps://www.dfmurphy.com/blog/PostId/721/Workers-compensation-3-key-factors-to-consider.aspxBusiness InsuranceWed, 21 Feb 2024 15:54:00 GMT<p>Workers’ compensation insurance protects employees from financial hardship after they suffer injury or illness on the job. It pays for direct medical expenses and wage replacement while the employee is unable to work due to the injury. In Massachusetts, all organizations that have employees are required to purchase it, whether they have just one part-time employee or if they have employees working in other states. (If you do have employees in several states, you may need to purchase additional coverage as laws vary among states.)</p> <p><img alt="workers compensation" src="/Portals/0/accident%20fall%20icon.jpg?ver=2020-01-29-132402-457" style="width: 250px; height: 300px; margin: 25px; float: left;" />In Massachusetts, the Division of Industrial Accidents manages the workers’ comp system. It establishes codes for every job type and sets a corresponding base rate. Your company’s base premium is calculated by multiplying your payroll in a given class code by the state-set rate. This amount is then multiplied by your company’s actual claims experience to establish your premium.</p> <p>The two factors that determine claims experience for businesses are frequency of claims, measured by the Experience Modification Factor (Mod), and severity of claims, measured by the All Risk Adjustment Program (ARAP). The claims history used to calculate these metrics is the three oldest of the prior four years. For example, a 2019 policy looks at claims experience for 2015, 2016 and 2017.</p> <p>When you’re looking for a provider of workers’ compensation insurance, take these three factors into consideration:</p> <h4>1. Claims Management </h4> <p>Efficient claims handling keeps claim costs down and reduces any negative impact to your Mod and ARAP. Some providers offer guidance for developing a “return to work” program, which can help an injured employee return quicker. For instance, an employer may have or may create a position with less rigorous physical requirements to allow an employee to return earlier. This helps reduce claim costs. Choosing a provider that offers such assistance can be valuable.</p> <h4>2. Discounts</h4> <p>Some insurance companies offer a scheduled deviation from the state set workers’ comp rates, which provides a guaranteed discount for the policy period. Other companies may offer a dividend plan, through which the claims experience and discount amount are calculated when the policy year is over. Such dividends are not guaranteed and are generally based on the individual’s experience as well as the overall performance of all policyholders participating in the dividend plan.</p> <h4>3. Proper Classifications</h4> <p>Using proper job classifications for your workforce is essential. While overpaying due to wrong class codes is always a concern, underpaying can be equally problematic since an audit may result in a large premium adjustment. Working with a knowledgeable agent helps you avoid problems. Policies are audited at the end of each policy term, and a premium charge or credit is made if actual payrolls differ from the estimates used to calculate the original premium.</p> <p>Workers’ comp and other insurance policies are only one component of a complete enterprise risk management program. The best advice is to seek a qualified agent you can trust, then work in conjunction with the agent, the insurance company and the insurance company’s loss control department to build a well rounded program. Accidents happen, but the best way to contain costs is to provide as safe a work environment as possible.</p> 72111 things to discuss with your agent before taking actionhttps://www.dfmurphy.com/blog/PostId/809/11-things-to-discuss-with-your-agent-before-taking-action.aspxPersonal InsuranceTue, 13 Feb 2024 21:13:00 GMT<p><img alt="desire avoid signs" src="/Portals/0/signs%20desire%20avoid.jpg" style="height: 174px; width: 225px;" title="desire avoid signs" /></p> <p>Sometimes decisions you make can impact the pricing and availability of insurance. We don’t want to rain on anyone’s plans; however, it’s best to be aware so that you can make decisions with full information.</p> <p>In some cases, policies may have exclusions that eliminate coverage for certain activities; require an endorsement; not be available from some companies; or have an increased premium due to the additional risk.</p> <p>If you’re contemplating any of the decisions below, please call us first to discuss how these issues can impact your insurance coverage and premium.</p> <ul> <li style="margin-left: 18pt;"><strong>Driving for a ride sharing/transportation service </strong>— Uber, Lyft, etc.</li> <li style="margin-left: 18pt;"><strong>Buying a luxury vehicle</strong></li> <li style="margin-left: 18pt;"><strong>Renting a room in your home on a permanent or occasional basis</strong> — Airbnb</li> <li style="margin-left: 18pt;"><strong>Buying a dog</strong></li> <li style="margin-left: 18pt;"><strong>Buying an exotic pet or farm animal</strong></li> <li style="margin-left: 18pt;"><strong>Installing a swimming pool</strong></li> <li style="margin-left: 18pt;"><strong>Constructing a treehouse</strong></li> <li style="margin-left: 18pt;"><strong>Buying a trampoline</strong></li> <li style="margin-left: 18pt;"><strong>Building a skateboard ramp</strong></li> <li style="margin-left: 18pt;"><strong>Hiring a nanny</strong></li> <li style="margin-left: 18pt;"><strong>Starting a home business </strong>— when does a hobby become a business?</li> </ul> 809Can you afford to replace that ring, bracelet, etc.?https://www.dfmurphy.com/blog/PostId/784/Can-you-afford-to-replace-that-ring-bracelet-etc.aspxPersonal InsuranceWed, 07 Feb 2024 14:20:00 GMT<p> </p> <p>Insuring jewelry is different from your other personal possessions. <strong>Standard home, renter and condo policies generally have a $1,000 specific limit in the event of theft. </strong>You may be able to increase that amount to $3,000 with some companies; however, for an expensive piece such as an engagement ring, you probably would have a coverage gap. </p> <p><img alt="schedule engagement ring" src="/Portals/0/Diamond%20Ring.jpg?ver=4cNyM1RBH_2m9MIoQZTFPw%3d%3d" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; font-style: normal; font-variant: normal; font-weight: normal; line-height: 18px; width: 300px; height: 247px;" />Solve this problem by scheduling high value jewelry on your policy, which provides separate coverage, eliminates the deductible and provides coverage in situations not only of theft but also losing an item. Generally, it <strong>costs about $12.50 per $1,000 in coverage</strong>, so a $6,000 ring would cost about $75.00 to insure. Well worth it in case you look down and find your diamond is missing.</p> <p>If you have jewelry that you'd like a quote on scheduling on your home, condo or renter policy, complete a <a href="https://www.dfmurphy.com/resources/Forms-Center/Scheduled-Item-Quote.aspx">scheduled item quote request</a>. It takes just a minute and we'll get back to you shortly.</p> <p> </p> 784Renters...you need insurance, too.https://www.dfmurphy.com/blog/PostId/734/Rentersyou-need-insurance-too.aspxPersonal InsuranceThu, 01 Feb 2024 14:20:00 GMT<h2>What happens if…</h2> <h4>- at a party, someone slips and falls injuring their back.<br /> - your jewelry and electronics are stolen in a burglary.<br /> - you cause a fire or water overflow damaging your apartment and other units.<br /> - a pipe bursts causing damage to your furniture and possessions.</h4> <p><br /> <strong>According to a survey by Apartments.com, 58% of renters don’t purchase tenants insurance...often because they didn’t know that it existed or thought it was expensive. </strong>Yet, the average cost for a policy covering $20,000 in personal property and $500,000 of personal liability is approximately only $200 a year. That’s less than $17 a month or 55¢ a day. If you reduced going out to eat by one time a month, you could pay for renter’s protection.  And, if you skip a “big night out”, you could pay for the entire year of coverage in one night.   </p> <p><strong>Your landlord’s insurance does not cover your personal belongings. </strong>It's a common misconception that your landlord's policy provides coverage for you.  It doesn't! If you don’t have a policy because you’re trying to save, imagine having to spend thousands of dollars to replace your possessions. Sometimes people don't by renter's insurance because they think their stuff isn't worth that much. But, don’t focus the “actual current value” of what you'd get if you tried to sell all your possessions. Instead, think about what the “replacement value” of what it would cost to by everything new, which is what can happen if there is a fire.  </p> <p><strong>It’s not just about your stuff.  </strong>It’s about your being sued. If a person is injured in your home or you damage someone’s property, you could easily be sued. Not only will you have to pay to defend yourself, but if found responsible, your assets plus current and future wages are at risk.  If you don’t have renter’s insurance, but are thinking you should have it, don’t procrastinate. Get more information and a custom quote. For a list of 5 things to consider when looking at renters insurance, visit <a href="http://www.dfmurphy.com/rentersinsurancetips">dfmurphy.com/rentersinsurancetips</a>.</p> <p> </p> 734Changing “garaging”? Don’t delay telling your agent!https://www.dfmurphy.com/blog/PostId/781/Changing-garaging-Dont-delay-telling-your-agent.aspxBusiness Insurance,Personal InsuranceWed, 24 Jan 2024 19:54:00 GMT<p> </p> <p>The location where your vehicle is<strong> primarily parked overnight</strong> is termed the “garaging location”. If the garaging location changes, your auto insurance policy states that you are required to notify the insurance company immediately. There is no grace period for notification; therefore, it’s a good idea to let your agent know in advance when a garaging change will occur. Be sure to notify your agent if you (or a family member):</p> <p><strong>Moves to a new home or apartment </strong></p> <p><strong>Takes a vehicle to college or is returning home from college for the semester</strong></p> <p><strong>Loan your car to someone for an extended period</strong> – Be sure the driver is listed on your policy</p> <p><strong>Take your car on an extended stay at another location:</strong></p> <ul> <li>at second or vacation home</li> <li>visiting friends at their home</li> <li>military service</li> <li>living away from home for work</li> </ul> <h3>Claims can be denied for failure to notify</h3> <p><strong>Failing to notify the company of a garaging change can result in an auto insurance claim being denied. </strong>The reason that garaging is such a serious issue is that auto insurance premiums are determined in part based on the garaging location. </p> <p><img alt="" src="/Portals/0/Parked%20Car.jpg?ver=M6TG-Y3LSZ254IZrGxOaSw%3d%3d" style="width: 300px; height: 200px;" />Different geographic locations are rated differently and have different premiums based on the area’s accident and theft history. When your garaging changes, the new location may have an <strong>increased risk of accidents or theft</strong>…requiring an increase of premium to cover that additional risk. Conversely, you may find that the new garaging location has <strong>no increased risk</strong>, which leaves your premium the same. Or, it could<strong> decrease the risk</strong> profile resulting in a lower premium. It all depends on where you move.</p> <p>Admittedly, no one wants to see their premium go up, but it’s not worth delaying notifying the company because having a claim denied based on a wrong garaging address could be an expensive situation.</p> <h3>Check with us before you move</h3> <p>If you’re looking to buy a home or rent an apartment in a new city or town, you may want to check with us regarding how the move will impact your auto insurance premium. If the move will result in a substantial increase, it may impact your decision and cause you to consider locating to a different nearby town that has a lower rate. This may seem extreme, but if you’re budget conscious, then it’s wise to consider all the facts before you finalize your plans.</p> 781Warmth without worry: A guide to space heater safetyhttps://www.dfmurphy.com/blog/PostId/921/warmth-without-worry-a-guide-to-space-heater-safety-for-fire-prevention.aspxGeneral Safety and InfoWed, 17 Jan 2024 19:30:41 GMT<p><img alt="" src="/Portals/0/Space%20heater.jpg?ver=S1jG0MKfkUryAQYfoDLzHg%3d%3d" style="margin-left: 25px; margin-right: 25px; float: right; width: 250px; height: 166px;" />As the chill of winter sets in, space heaters are a convenient way to add warmth in areas that may lack central heating or need an augmented heat source during colder months, but safety should always be a top priority to avoid potential fires. Follow these crucial tips to prevent space heater fires and create a secure and cozy environment:</p> <p><strong>Choose the right heater</strong><br /> > Select a space heater with safety features like tip-over protection and overheat protection.<br /> > Look for heaters with a certification mark from a recognized testing laboratory.</p> <p><strong>Placement is key</strong><br /> > Keep the space heater on a flat, stable surface to avoid tipping.<br /> > Maintain a safe distance of at least three feet from combustible materials such as curtains, furniture, and bedding.</p> <p><strong>Ventilation matters</strong><br /> > Ensure proper ventilation to prevent the buildup of carbon monoxide.<br /> > Never use a gas-powered space heater indoors unless it's specifically designed for indoor use.</p> <p><strong>Electrical safety</strong><br /> > Plug the space heater directly into a grounded wall outlet; avoid using extension cords or power strips.<br /> > Regularly check the cord for any signs of damage or wear.</p> <p><strong>Regular maintenance</strong><br /> > Perform routine maintenance, including cleaning filters and checking for any loose or damaged parts.<br /> > Store the space heater properly when not in use, and follow manufacturer's guidelines.</p> <p><strong>Supervise and educate</strong><br /> > Never leave a space heater unattended, especially when sleeping or leaving the room.<br /> > Educate family members on proper usage and safety precautions.</p> <p><strong>Emergency preparedness</strong><br /> > Install smoke detectors and carbon monoxide detectors in your home.<br /> > Have a fire extinguisher nearby and ensure everyone knows how to use it.</p> <p><strong>Children and pets</strong><br /> > Keep children and pets away from space heaters to avoid accidents.<br /> > Consider using heaters with grills or barriers to prevent direct contact.</p> <p><strong>Avoid overcrowding</strong><br /> > Use space heaters designed for the size of the space you intend to heat.<br /> > Avoid using multiple heaters in the same room to prevent overheating.</p> <p><span style="font-family:Aptos,sans-serif"></span></p> <p>Remember, a warm and cozy home can be achieved without compromising safety. By following these space heater safety tips, you can enjoy the comfort of extra warmth during the winter season while minimizing the risks associated with space heater usage. Stay warm, stay safe!</p> <p><span style="font-size:11pt"><span style="line-height:normal"><span style="font-family:Aptos,sans-serif"></span></span></span></p> 921What to do if your pipes freezehttps://www.dfmurphy.com/blog/PostId/835/What-to-do-if-your-pipes-freeze.aspxPersonal InsuranceMon, 15 Jan 2024 19:50:00 GMT<p>There are lots of things you can do to <a href="http://www.dfmurphy.com/resources/News-Articles/ID/141/Reduce-risk-of-winter-related-losses.aspx">reduce the risk of winter related losses</a> such as frozen pipes. However, if temperatures are extremely cold and you turn on your tap to find a trickle or nothing instead of a steady flow, you probably have frozen pipes somewhere in your home. Water expands when frozen, but pipes do not, which can cause a pipe to burst. If you discover you have frozen pipes, act quickly...don't wait for them to burst.</p> <h3><img alt="frozzen pipes" src="/Portals/0/Frozen%20pipe%202.jpg?ver=hhEW6E0KmNEzHo0Z-yXJlw%3d%3d" style="width: 300px; height: 225px; margin-right: 25px; margin-left: 25px; float: right;" />frozen pipes</h3> <ul> <li><strong>Turn off the water supply.</strong> If pipes are frozen and in danger of bursting, you want to stop the flow of additional water into the pipes to reduce potential for additional damage.</li> <li><strong>Protect your possessions.</strong> Move any possessions near the frozen pipe to a safe area to prevent damage if it bursts.</li> <li><strong>Locate the frozen pipe.</strong> Check water flow at faucets to determine if the frozen pipe is isolated in one area, more extensive, or close to where water comes into the home. Feeling along pipes can help to locate the frozen area. Look for bulging.</li> <li><strong>Take action to thaw pipes immediately. </strong>Be attentive as you thaw pipes because sometimes pinholes or cracks can occur from freezing and then upon thawing leaks become evident. There are lots of do-it-yourself tips on the internet on how to thaw pipes...search "thawing frozen pipes". You may want to do some advance reading just in case. Be sure to open faucets near the frozen pipe to let steam escape and water flow out. We recommend calling a licensed plumber for assistance. </li> </ul> <h3>burst pipes</h3> <ul> <li><strong>Turn off the water supply to stop the flow of water.</strong> Immediate action can be key to reducing additional damage. If it's an emergency and you don't know what to do, call the fire department. After the water is off, you can clean up the spill and work to reduce further damage. If a burst pipe is near any electrical switches or fuses, turn the power off at the panel. Never touch anything electrical if it's wet.</li> <li><strong>Clean up, make temporary repairs and take steps to prevent further damage. </strong>An insurance adjuster doesn’t need to see the actual water spill before you start cleaning up. However, the adjuster will want to inspect any damaged items. Documenting damage with pictures and/or video can be helpful to the process. If the leak involves ceilings being saturated with water, be extra careful of weakened construction that could collapse and cause injury. </li> <li><strong>Get professional help. </strong>Most of us aren't skilled enough to make proper repairs especially if the damage is major and/or within walls. A licensed plumber (and perhaps electrician if electrical is involved) can help you make repairs. A professional water damage restoration company will remove water from your home and ensure that walls are dry to prevent a mold problem. Remember, mold cannot survive without moisture. You want to be sure repairs are done properly to prevent additional damage in the future. </li> <li><strong>Call your agent or insurance company as soon as possible.</strong> At Murphy Insurance, our claims team is ready to assist you in processing a claim and connecting you with your insurance company. We have an emergency help line for after hours claim assistance. You can contact your insurance company directly if you prefer, but be sure to call us, too. Document anything that is damaged and save receipts for what you spend. </li> </ul> <address><em>NOTE: Murphy Insurance is not a plumbing or construction expert and cannot guarantee that prevention or corrective measures will alleviate damage. Murphy Insurance is not responsible for the accuracy or completeness of informaiton provided through links to other websites. Consult an experienced plumber, contractor or expert to determine the best solution for your situation.</em></address> <p><em><em> </em></em></p> 835Getting your financial house in orderhttps://www.dfmurphy.com/blog/PostId/714/Getting-your-financial-house-in-order.aspxMurphy OpinionsFri, 12 Jan 2024 19:56:00 GMT<p><img alt="" src="/Portals/0/house%20puzzle.jpg" style="width: 300px; height: 225px; float: left; margin: 25px;" title="" /></p> <p>No one likes to think about the loss of a loved one or their own death, but if you want to avoid having your family struggle with financial and legal issues, there are certain planning steps you need to take. Sometimes the reason people don't take action is because they don't have a trusted resource to turn to. Our Financial Insurance team is glad to answer questions and offer guidance. We can even refer you to other trusted advisors if needed. </p> <p>Even if you’ve already done estate and financial planning work, you should periodically ask yourself if your arrangements still fit your current situation. Changes may be needed.</p> <h3><strong>Here are a few questions to think about...</strong></h3> <p><strong>Do you have a will and a trust? </strong>A will can help keep your family out of court. A trust may be needed depending on your circumstances to help in the transfer of assets upon your death.</p> <p><strong>Do you have an attorney?</strong> Does your family have your attorney's contact information?</p> <p><strong>Are all of your financial documents in order (</strong>including names of financial institutions & account #’s)<strong>?</strong> Do your family members know where to locate this information?</p> <p><strong>Do you have a financial durable power of attorney? </strong>If you are incapacitated, having a power of attorney in place can help ensure your legal affairs run smoothly by having someone to act on your behalf.</p> <p><strong>Do you have advance health care directives?</strong></p> <ul> <li><u>Health care proxy</u>—appoints someone to make medical decisions for you, if you are unable to</li> <li><u>Living will</u>—specifies the type of medical treatments you would or would not want if you were unable to communicate.   </li> </ul> <p><strong>Have you discussed your thoughts about organ donation with your family?</strong> Don't leave your family guessing about your wishes.</p> <p><strong>Do you have enough life insurance on both you and your spouse/partner? </strong>Your need for life insurance can change over time as assets, debts, responsibilities and lifestyle change.</p> <p><strong>Is your beneficiary information up to date</strong> on life insurance policies?  Be sure this is current especially if you've had changes in your life that would warrant an update.</p> <p><strong>Kids protection plan</strong>, if you have minor children? Who would take care of your children if something happened to you.</p> <p>These questions are a starting point. Your unique situation may require answers to other questions. Our team can help you start the process if you haven't done any planning yet. Making the commitment to get started is the first hurdle to overcome, and you can do that by picking up the phone and talking with a member of our team.</p> 714Massachusetts snow removal laws and liabilityhttps://www.dfmurphy.com/blog/PostId/807/Massachusetts-snow-removal-laws-and-liability.aspxBusiness Insurance,Personal InsuranceTue, 09 Jan 2024 16:36:00 GMT<h2>Keep those shovels ready</h2> <p><img alt="Winter Shoveling" src="/Portals/0/winter%20shoveling.jpg" style="width: 225px; height: 301px;" title="Winter Shoveling" />Winter is underway and we’ve already had the first snow fall of the season. If you own residential or commercial property, it’s essential to understand your legal responsibilities regarding snow removal. The state you live in has laws that dictate snow removal and in many cases, your city or town may have local ordinances or by-laws that further define snow and ice removal responsibilities.</p> <p>In 2010, Massachusetts snow removal law underwent a major change with a <a href="http://www.dfmurphy.com/resources/News-Articles/ID/27/Massachusetts-snow-removal-law.aspx">Supreme Judicial Court Ruling</a> that overturned a 100+ year-old Massachusetts Rule that previously allowed property owners to not shovel “natural accumulations” of snow without liability. With the change in the law, all property owners (owner-occupied and rental) now have a legal obligation to keep their property free from snow and ice for the safety of visitors and guests…whether it’s “natural” or “unnatural” accumulations.</p> <h3>When do you have to shovel or treat icy surfaces?</h3> <p>Because of the dangers caused by snow and ice, it’s wise to shovel and treat surfaces as quickly as possible. If a danger exists, you have liability. Some cities and towns specify a minimum time by which surfaces must be cleared after a storm, but you may need to clean snow sooner; i.e. Boston -  businesses 3 hours and residents 6 hours; Worcester – 12 hours.</p> <h3>Do you have to shovel sidewalks in front of your house/business?</h3> <p>Most Massachusetts cities and towns require property owners to clear sidewalks but also check your city or town ordinances. Often you can be fined for failing to remove snow.  Also remember that shoveling snow out into the street is not allowed and is a fineable offense.</p> <h3>Can you transfer responsibility for shoveling to tenants?</h3> <p>Landlords have the primary responsibility for snow removal at rental properties, which can’t be transferred by language in a lease. Property owners are responsible by law to keep all egresses free of obstruction. The only exception is when a dwelling has its own egress that is not shared with other units. In this case, a landlord may require in a lease for the tenant to be responsible for snow and ice removal of the entrance. However, this exception does not apply to the driveway or parking areas and so may not guarantee transfer of liability in some situations. It’s probably not worth taking a chance and relying on the tenant.</p> <h3>Do homeowners, dwelling fire, and commercial general liability policies cover injuries if someone slips and falls?</h3> <p>Typically, yes. Standard policies generally cover you if someone slips and falls on your property.  Be sure you purchase sufficient liability coverage of at least $500,000 or $1,000,000. For many homeowners, the additional cost to increase coverage to $1,000,000 is very small. When a lawsuit happens, you can never have enough insurance…ask any attorney!</p> <hr /> <h3>Helpful Links</h3> <p><a href="http://www.mass.gov/courts/case-legal-res/law-lib/laws-by-subj/about/snow.html" target="_blank">Massachusetts Law about Snow & Ice</a></p> <p><a href="https://www.nhmunicipal.org/town-city-article/winter-maintenance-roads-and-sidewalks" target="_blank">New Hampshire Law about Snow & Ice</a></p> <p><a href="http://www.cityofboston.gov/snow/" target="_blank">City of Boston Snow Center</a></p> <p> </p> 807Driving in winter...be prepared and stay safehttps://www.dfmurphy.com/blog/PostId/836/Driving-in-winter-Be-prepared-and-stay-safe.aspxGeneral Safety and InfoWed, 27 Dec 2023 16:35:00 GMT<h4>Avoid cold weather driving disasters with these tips</h4> <p>Snow, sleet, ice and below freezing temperatures all have an effect on driving conditions. During winter, safety depends on driver performance in winter hazards, good vehicle maintenance—and common sense. These tips will help you and your car weather the winter. </p> <h3>Prepare your car—and yourself—for winter driving conditions</h3> <p><img alt="winter driving" src="/Portals/0/winter%20driving.jpg?ver=2016-12-08-115515-907" style="width: 300px; height: 225px; float: left; margin-left: 25px; margin-right: 25px;" />Be prepared for driving in inclement and freezing weather. Start with these suggestions.</p> <ul> <li><strong>Understand how your car behaves in the snow.</strong> While features like anti-lock brakes and all-weather tires can be advantageous, every car performs differently. If possible, practice stopping, starting and turning in a big, empty, snowy parking lot to get the feel of your wheels in the snow.</li> <li><strong>Make sure your battery is charged and working optimally. </strong>Cold weather adversely affects battery performance, so check it before the temperature drops.</li> <li><strong>Be sure to keep your gas tank full.</strong> Stormy weather or traffic delays may force you to change routes or turn back. A fuller gas tank will also prevent your car's gas-line from freezing.</li> <li><strong>Change your oil filter and maybe your oil. </strong>The oil in your car thickens in cold weather and (depending on the manufacturer's recommendations for your vehicle) a thinner grade of oil will help your car run more smoothly in the winter.</li> <li><strong>Make sure your wiper fluid contains anti-freeze,</strong> so the spray doesn't freeze up in cold weather. Consider buying winter wiper blades, which prevent ice and snow from hardening on the wiper.</li> <li><strong>Keep windshield and windows clear. </strong>Keep a snowbrush and scraper in your vehicle at all times. Your car's defroster can be supplemented by wiping the windows with a clean cloth to improve visibility.</li> <li><strong>Make sure that your tires have good tread and keep them properly inflated</strong>—both are essential to safe winter driving. And while all-weather tires are sufficient for some, if the conditions in your area tend towards snow and ice, consider winterizing your car with snow tires.</li> <li><strong>Check your exhaust pipe to make sure it is clear.</strong> A blocked pipe could cause a leakage of carbon monoxide gas into your car when the engine is running.</li> <li><strong>Pack your trunk for emergencies.</strong> A snow shovel and a bag of salt (or kitty litter) will help you dig your wheels out of a ditch and give them traction on snow or ice; a blanket will keep you warm and bottles of water will keep you hydrated in case you get stuck. </li> </ul> <h3>Plan your trip with common sense  </h3> <p>A bad weather accident can happen whether you’re on a two-hour drive or a short hop to a dentist appointment. Take precautions before starting your ride.</p> <ul> <li><strong>Allow extra time to arrive at your destination.</strong> Trips can take longer during winter than other times of the year, especially if you encounter storm conditions or icy roads. And driving in inclement weather is stressful enough without the added pressure of being late, which might cloud your safe driving judgment.</li> <li><strong>Don't warm up your car vehicle in an enclosed area, such as a garage. </strong>This can cause toxic carbon monoxide to build up.</li> <li><strong>Fully charge your cellphone and make sure to have your car charger</strong> in case you're running late or need to phone help if you get stuck or have an emergency. But avoid the temptation of using the phone while driving, as it can be a dangerous distraction. Always pull over if you need to make the call.</li> <li><strong>Monitor the weather conditions before beginning your trip</strong>, not just at your departure point but also at your destination. If it seems like the roads will be too hazardous, say if an ice storm, hurricane, tornado, flood, hail or other severe weather is expected anywhere on the route you are taking, change your travel plans. </li> </ul> <h3>Drive extra carefully</h3> <p>“Failure to keep in proper lane or running off the road” and “driving too fast for conditions” are the two of the most frequent poor driver behaviors, according to the National Highway Traffic Safety Administration (NHTSA). Bad weather makes these behaviors exponentially more dangerous, so take additional precautions on the road.</p> <ul> <li><strong>Drive slowly </strong>because accelerating, stopping and turning all take longer on snow-covered or icy roads.</li> <li><strong>Leave more distance than usual between your vehicle and the one just ahead of you</strong> to give yourself at least 10 seconds to come to a complete stop. Cars and motorcycles usually need a minimum of 3 seconds to halt completely even when traveling on dry pavement.</li> <li><strong>Be careful when driving over bridges</strong> and roadways that aren't exposed to sunlight—they are often icy when other areas are not.</li> <li><strong>Know your route and be especially alert</strong> to avoid sudden stops and quick direction changes, which might cause spinouts or collisions with cars on slippery roads.</li> <li><strong>Be alert to animals</strong> that are often bolder in their hunt for food when there is snow on the ground and wander on or near roads. Around known habitats, take steps to avoid collisions with deer or other animals.</li> <li><strong>Don't activate your cruise control</strong> when driving on a slippery surface. You want to maintain full control of your vehicle. </li> </ul> <h3>If you do get caught in a storm  </h3> <p>Sometimes, despite best efforts, you'll find yourself driving in bad weather. In that case:</p> <ul> <li><strong>Stay tuned to weather reports and weather-related accidents </strong>on your radio or GPS. Change routes to avoid the worst of the storm or its havoc.</li> <li><strong>Don’t try to drive your way out of it.</strong> Seek shelter for both yourself and your car and wait for the storm to pass.</li> </ul> <p>Source: <a href="http://www.iii.org" target="_blank">Insurance Information Institute</a></p> 836New Year's resolutions...are you committed?https://www.dfmurphy.com/blog/PostId/811/New-Years-resolutionsare-you-committed.aspxGeneral Safety and InfoTue, 26 Dec 2023 17:21:00 GMT<p>With the new year, lots of us make "new year resolutions".  A resolution is defined as "a firm decision to do or not to do something."  So, it maybe a new habit such as exercising more, changing eating habits, quitting smoking or changing a routine. Or, it could be checking something off your "bucket list" or taking care of a long put off task or project.</p> <p>Some of us have given up on the concept of "new year resolutions" because after years of making and breaking them it feels like "What's the point?"  Admittedly, it can be tough to get out of our own way and take the time to do things that will truly provide long-term benefits because change isn't always easy. It takes commitment, but the rewards can be great.  </p> <p><img alt="Happy New Year" src="/Portals/0/happy-8429421_1280.jpg?ver=toivO5bvgbtmrBFtgwQn7w%3d%3d" style="width: 300px; height: 200px; float: left; margin-left: 25px; margin-right: 25px;" title="New Year 2017" />Now, if we said put "Deal with Insurance Issues" on your resolutions list, you'd probably think...SALES PITCH!  But truthfully it's not...it's about never wanting to see anyone have a financial crisis because something bad in life happened to them. We can't tell you how many times we turned on the news this holiday season and saw stories about house fires, apartment fires or serious car accidents. We can't help but hope those people affected by these catastrophes had the insurance they needed so that on top of suffering the emotional trauma of a loss, they aren't also facing a financial crisis.</p> <p>If you've seen those news reports, too, and thought, "What if that was me?" then talking to your agent is probably something you should put on your "resolution list". The good news is if you take the leap and call your agent, you can probably get any issues identified and dealt with relatively quickly.</p> <p> Here's hoping that you stay committed to your resolutions whatever they are and reap the rewards. And, if we've prompted you to put "Deal with Insurance" on your list, here are a few items to discuss with your agent:</p> <p><strong>Car Insurance</strong> - Do you have Accident Forgiveness coverage? Do you have enough liability protection in case you seriously injure someone or someone without good insurance injures you in an accident?</p> <p><strong>Home Insurance</strong> - Is your home properly valued?  Do you have replacement cost on the dwelling and all your possessions?</p> <p><strong>Renters Insurance</strong> - If you are a renter, you need this to protect your liability as well as pay for all your stuff.  Think about all those apartment fires and all the people who lost everything. It can happen to you. For approximately $20/month, you can have solid protection.</p> <p><strong>Umbrella Insurance</strong> - How much would it cost to get $1,000,000 liability protection?  Often it's less then $20/month.</p> <p><strong>Life Insurance</strong> - This is the one that lots of people put off year after year. If you have a spouse, partner or children, then know that they would most likely suffer greatly if something happened to you. Term life insurance is an affordable way to protect them. If you have life insurance through work, that's great but chances are it's not nearly enough to adequately protect them.</p> <p>Need help? We can help you get your resolution underway.  Just <a href="https://www.dfmurphy.com/resources/Forms-Center/Contact-Us.aspx">contact us</a>!</p> <p> </p> 8118 myths about life insurance https://www.dfmurphy.com/blog/PostId/782/8-myths-about-life-insurance-.aspxPersonal InsuranceWed, 20 Dec 2023 14:42:00 GMT<h3><strong>“Let’s talk about your death.”</strong> Now that’s a real conversation stopper.</h3> <p>Imagine how uncomfortable you might be saying this to someone. Yet, as an insurance agent this is  exactly what we must do to help people protect their loved ones’ future with life insurance.</p> <p><img alt="Life Insurance Family" src="/Portals/0/familySM.jpg" style="width: 250px; height: 166px;" />While we’re being honest, it’s called life insurance, but truthfully, it’s death insurance.  Now that’s a real winning product name isn’t it?  And, to make it even more challenging, the purchaser knows he/she won’t benefit from it personally…who likes to buy things that they don’t get to enjoy themselves?</p> <p>Ultimately, the appeal and benefit of life insurance is that you truly love your spouse/partner/children and would never want them to suffer because of something you did or didn’t do.  However, despite our love of family, 42% of Americans lack life insurance and about 50% of those who have it are covered for $100,000 or less according to a recent bankrate.com survey.</p> <p>Most of us have tight budgets, yet still find ways to have a little fun.  Admittedly, fitting life insurance into your budget may require making some small sacrifices, but it’s worth it.  Are you willing to give up going out for dinner a few times a year or make that daily cup of coffee at home instead of buying it to have peace of mind knowing those you hold most dear have a financial safety net in the event of an unexpected tragedy?  </p> <p>Maybe it’s the natural human aversion to thinking about our mortality combined with various myths about life insurance that results in procrastination and avoidance of this topic. If you’re among those who have avoided addressing your life insurance needs, we’d like to encourage you to take action by dispelling some life insurance myths.</p> <ol> <li><strong>Life insurance is expense.</strong> Cost is often given as a reason for not purchasing life insurance; however, 80% those who give this reason overestimate the cost. There are a wide variety of policies to fit different needs, and term insurance policies are extremely affordable. A $200,000 20-year term policy for a healthy non-smoking male, age 35 costs about $150 a year.</li> <li><strong>You have health issues…you won’t qualify.  </strong>While good health certainly makes life insurance more affordable, having a health condition doesn’t automatically mean you’re uninsurable. There are companies that write policies for a range of health conditions if they are under control; however, they will be more expensive and often have lower limits. </li> <li><strong>Life insurance provided by your employer is enough. </strong> Even if you enjoy this benefit at work, it may not be enough to cover your needs. If you leave your job, you may lose your life insurance, and if your health deteriorates, you may find yourself ineligible to purchase a policy at a later date. Even with a conversion option, it may be more cost effective to purchase your own policy now.</li> <li><strong>Buy term insurance and invest the difference. </strong>Term insurance is a great value and good for covering debts and other expenses with a specific time frame. Yet, a permanent policy may be more advantageous if you have needs that require coverage for your entire life. If you had to purchase another term policy later in life to extend coverage, it may be more cost effective to purchase a non-term policy at the outset.</li> <li><strong>You’re young and don’t need to be concerned about life insurance yet. </strong>When you’re young, the annual premiums are less expensive. While you may be paying a premium for a longer time, the lower premium can fit into your budget easier as you get older. Also, the longer you wait the greater the chances of having a health issue arise that would make it more expensive or challenging to get coverage.</li> <li><strong>Your single and don’t have dependents so you don’t need life insurance.</strong> Even if you’re single, you probably have debts that could be a burden to your family or executor. Also, just because you’re single now, doesn’t mean you will be forever. Getting life insurance now may be more affordable than waiting.</li> <li><strong>Only breadwinners need to be insured.</strong> Stay at home spouses provide a lot of value maintaining a household and providing child care. The cost for a surviving spouse to pay someone to handle those tasks could  cause a financial strain. Both adult contributors to a household should be insured.</li> <li><strong>Shopping many different agents saves money. </strong>Every company has different insuring criteria, which makes the process time consuming and challenging to undertake on your own. Even talking to multiple agents can be confusing as you’ll have to make sense of all the differences. By working with one trusted agent that deals with a large number of companies, they can do the work for you and use their expertise to narrow it down to the best options saving you time and money. At Murphy Insurance, we work with over 50 different companies when searching for the best solutions.</li> </ol> <p>If you’ve never talked with an insurance professional about life insurance, you owe it to yourself and your loved ones to get the facts. Don’t make assumptions about affordability or options….<strong>Don’t wait until it’s too late</strong>. Reach out to us so that we give you the information you need to make an informed decision.</p> <p><img alt="" src="/Portals/0/Don%27t%20keep%20delaying%20request%20a%20quote_1.jpg" style="border-width: 0px; border-style: solid; width: 200px; height: 194px; float: right;" title="" /></p> <p> </p> <p> </p> <p> </p> <p> </p> <p> </p> <p> </p> 7829 Tips For Buying Commercial Auto Insurance…and Saving https://www.dfmurphy.com/blog/PostId/831/9-Tips-For-Buying-Commercial-Auto-Insuranceand-Saving-.aspxBusiness InsuranceMon, 18 Dec 2023 16:35:00 GMT<p>If your business needs commercial auto insurance whether it’s for a single vehicle or a whole fleet, you want commercial insurance that is both affordable as well as provides proper protection. Below are a few tips for buying commercial auto insurance that will help you manage costs but at the same time ensure you’re properly protected.</p> <p><strong>Check employee driving records before you hire.</strong> When hiring an employee, who will drive a company vehicle or use their own vehicle as part of their job, perform a Department of Motor Vehicles screening before hiring because the driving records of employees impacts your premium. Having employees with good driving records listed on your commercial auto policy will help keep your premium low. Employees with poor driving records not only adversely affect your premiums but can put the entire future of your business at risk.</p> <p><strong>Buy ‘hired & non-owned vehicle’ coverage.</strong>  Employees often use their own vehicles for business errands/purposes. Also, you may borrow a vehicle or rent a car on a business trip. These are situations where a commercial auto policy excludes coverage unless you purchase optional Hired and Non-owned Auto Liability and Hired Auto Physical Damage coverage. It’s a small additional cost to ensure you’re protected.</p> <p><strong>Make sure your insurance carrier will add an “additional insured”. </strong>If your business involves contracts that could require you to have another party added as an additional insured to your policy, be sure the carrier you chose can handle this need.</p> <p><strong>Buy ‘driver other car’ coverage. </strong>If you own the business and don’t have a separate personal auto policy because all vehicles are owned by the company, be sure to add this coverage to your commercial auto policy so that you (and your spouse) are covered if you drive another vehicle for personal use (excluding other vehicles owned by a household member), i.e. borrowing a friend’s car. It provides coverage similar to a personal auto policy.</p> <p><strong>Buy ‘rental reimbursement’ coverage.</strong> If your company vehicle is damaged in an accident and has to go into the shop for repairs, this coverage will help to cover the costs of renting a replacement vehicle.</p> <p><strong><img alt="Commercial Vehicles" src="/Portals/0/Commercial%20Vehicles%20sm.jpg" style="width: 300px; height: 271px;" title="Commercial Vehicles" />Purchase higher limits for better protection.</strong> Understandably you want to keep your premiums low, but there’s no more expensive policy than one that doesn’t have sufficient coverage to protect you if you’re sued.  In today’s litigious society, people sue quickly and judgements can be in the hundreds of thousands of dollars or more. Don’t skimp on liability coverage. If your business needs more coverage than available on an auto policy, consider an umbrella liability policy to extend your protection.</p> <p><strong>Combine commercial auto with a BOP or package policy.</strong> Having your Commercial Auto with the same carrier that writes your Business Owner Policy or Package may provide you with an opportunity for discounts depending on your situation.</p> <p><strong>Pay with EFT. </strong> Many insurance companies will waive installment fees if you make your payments using Electronic Funds Transfer withdrawal of your payment from your bank account.  Not only does this save on fees, but it can save you time and avoid the possibility of missing a payment, which can result in late fees as well as possible cancellation.</p> <p><strong>Increase your deductible. </strong>The higher your deductible, the lower your premium, so evaluate what you can afford to pay if you have to file a claim. Over time, the premium savings can offset the deductible amount you’d have to pay. Be sure not to set the deductible to an amount you can’t afford easily because claims can happen at any time.</p> <p><strong><a href="https://www.dfmurphy.com/resources/Forms-Center/Contact-Us.aspx">Contact us</a></strong><a href="https://www.dfmurphy.com/resources/Forms-Center/Contact-Us.aspx"> </a>to review your auto insurance coverage and compare options.</p> 831Tips for disaster-free holidayshttps://www.dfmurphy.com/blog/PostId/893/tips-for-disaster-free-holidays.aspxGeneral Safety and InfoWed, 13 Dec 2023 15:32:00 GMT<p>Be sure that this special time of year and holiday festivities aren't marred by fire, theft, accidents and other disasters.  According to advice from the Insurance Information Institute (I.I.I.), a few simple steps and having the right insurance coverage can reduce seasonal hazards. </p> <h2>1. be fire safe</h2> <p><img alt="holiday safety" src="/Portals/0/christmas-tree%20lights.jpg?ver=2020-12-21-160646-793" style="width: 300px; height: 200px; float: left;" />December is the peak month for fires caused by candles. Christmas tree-related fires, while not as common as candle fires, are much more likely to be deadly.</p> <p>Decorations and cooking are the two leading causes of home fires, according to the National Fire Protection Association (NFPA). Take care when decorating for the holidays not to put decorations too close to a heat source, and never leave the stove unattended while cooking. Always be sure to have smoke alarms in working condition.</p> <p>In the event of a fire, evacuate immediately. And prepare by developing and practicing a <a href="http://www.nfpa.org/safety-information/safety-tip-sheets">home fire escape plan</a> with the whole family.</p> <p>Fire, smoke and water damage are covered under <a href="http://www.dfmurphy.com/personal-insurance/Home-Condo-Renter-Insurance.aspx">homeowners and renters</a> insurance policies.</p> <h2>2. protect your identity</h2> <p>Whether shopping online or in a brick-and-mortar store, the hustle and bustle of the holidays creates a perfect opportunity for thieves looking to steal your credit card information.</p> <p>To protect yourself, shop at reputable stores and check your credit card statements regularly, and if you find anything unusual, report it to your credit card company immediately. If your wallet is either lost or stolen, contact the police and your credit card company as soon as you can. </p> <p>Many standard homeowners insurance policies now include <a href="http://www.iii.org/article/identity-theft-insurance">identity theft coverage</a>. Moreover, most homeowners and renters policies provide some coverage for stolen cash or unauthorized use of your credit card.</p> <h2>3. burglar-proof your home</h2> <p>December is the fifth most common month in which burglaries occur, according to the Federal Bureau of Investigation (FBI).</p> <p>If you’re traveling over the holidays, have mail and packages picked up or held by the post office, use automatic timers to turn lights on and off at appropriate times and have a dependable neighbor check on the house periodically.</p> <p>Consider <a href="http://www.dfmurphy.com/resources/News-Articles/ID/163/securing-your-home-against-burglary.aspx">making your home more secure</a> with dead-bolt locks, window grates and smoke/fire/burglar alarms. An added benefit: most insurers provide discounts for devices that make a home safer.</p> <p>Personal possessions are covered under standard homeowners and renters insurance policies—even holiday gifts stored in your car! </p> <h2>4. drive safely—especially in winter conditions</h2> <p>Safe driving and well-maintained vehicles take on even <a href="http://www.iii.org/article/winter-driving">greater importance in winter</a>.</p> <ul> <li>Give yourself enough time to arrive at your destination; never rush in rainy, snowy or icy conditions.</li> <li>Stay off the road between the hours of midnight and 3 a.m. when drunk driving accidents are most likely.</li> <li>Obey speed limits and avoid all distractions (no texting, eating, grooming!) while behind the wheel.</li> <li>Keep your gas tank full. Stormy weather or traffic delays that force you to change routes or turn back can result in the use of more gas.</li> </ul> <p>If you have an accident, make sure you understand your<a href="http://www.dfmurphy.com/personal-insurance/Auto-Insurance.aspx"> auto insurance coverage</a> and <a href="https://youtu.be/v3eEacLTxJA?list=PL8QsOg2Byw0nEZnLo4y0llIeUQhhytYT1">how to file a claim</a>.</p> <p>Source: <a href="http://www.iii.org" target="_blank">Insurance Information Institute</a></p> 893Christmas tree safetyhttps://www.dfmurphy.com/blog/PostId/746/Christmas-tree-safety.aspxGeneral Safety and Info,Personal InsuranceThu, 07 Dec 2023 14:23:00 GMT<p>A Christmas tree is often a central part of holiday decoration. Some people cut down their own tree, others get theirs from a local side of the road stand and others have opted for artificial. While beautiful, Christmas trees can also pose a serious fire hazard, so be sure to follow safety guidelines.  </p> <div> <h3>christmas tree  </h3> <ol> <li>Be sure your tree is fresh. Touch and shake the tree. Needles shouldn't fall off easily.   </li> <li>If not cutting down the tree yourself, be sure to cut a couple inches off the base and keep in in water until you are ready to set it up.  </li> <li>When setting up your tree, keep it away from heat vents, fireplaces, radiators and other heat sources. </li> <li>If you choose an artificial tree, be sure it is identified as fire retardant.  </li> <li>Water your tree EVERY day.  If it stops drinking water keep a close watch on its condition.  </li> <li>When your tree starts to drop needles and seems dry, get it out of your home. Don't store it in a garage or near the home.    </li> <li>Don't try to burn limbs in your fireplace or woodstove as they flash fire.   </li> </ol> <h3>decorations</h3> <ol> <li> <p>Check lights for any frayed wires or broken sockets. Don't try to be an electrician and fix broken wires that could short circuit. It's not worth saving a few bucks and risking a fire. </p> </li> <li> <p>Read instructions on how many lights you can string together to prevent an overload.  Generally, not more than 3 sets of mini lights.   </p> </li> <li> <p>Turn off lights when the tree is unattended.  Always turn off lights when you leave the house or go to bed.  Tree fires happen really fast and need quick action to avoid a major disaster.   </p> </li> </ol> <p><img alt="" src="/Portals/0/christmas-tree%20640.jpg?ver=2019-12-23-120222-497" style="float: left; width: 300px; height: 200px;" />Stay safe this holiday season...and always!  </p> <p><a href="http://safer-america.com/holiday-tree-safety/">Holiday Tree Safety Tips</a><br />  </p> </div> 746Holiday safety tipshttps://www.dfmurphy.com/blog/PostId/720/Holiday-safety-tips.aspxGeneral Safety and InfoFri, 01 Dec 2023 17:00:00 GMT<p> </p> <p><img alt="holiday lights" src="http://www.dfmurphy.com/Portals/0/holidaylightssm.jpg" style="width: 200px; height: 134px;" title="holiday lights" />At this festive time of year most of us have decked our halls to one degree or another and are planning holiday festivities. One thing that I really enjoy is driving around and seeing homes decorated with lights. Whether the display is big or small, it’s an outward sign of people sharing their holiday spirit with their neighbors and the community.</p> <p>As we celebrate the holidays with home decorating and increased entertaining, keep in mind that these activities can also increase risks of fire and accidents. Certainly, I’m not trying to take the fun out of the holidays by turning it into an insurance lesson, but you can’t deny that every year you hear news stories about situations that can darken a holiday. Just be sure that you’re taking precautions that keep your holiday festivities safe as well as fun. Here are a few things to consider.</p> <h3>trees</h3> <p>Christmas trees are beautiful, but can be a fire hazard. Even artificial trees, can pose a hazard, so look for the “Fire Resistant” label when purchasing a tree. When buying a live tree, check for freshness…needles should be hard to pull from branches and don’t break when bent. Tap it on the ground…it shouldn’t lose lots of needles. When setting it up at home, fresh cut the trunk and put it in water immediately.</p> <p>Make sure the tree is placed away from heat sources. Be sure not to block doorways. Be sure the tree is secure in its stand. Trees can dry quickly in a heated room, so keep the water filled. If your tree becomes dry, stop lighting it. Remove evergreens as soon as practical after the season. Following <a href="https://www.dfmurphy.com/blog/christmas-tree-safety1.aspx">Christmas tree safety</a> guidelines helps avoid a fire that could ruin more than your holiday season.</p> <h3>lights</h3> <p>Before putting lights on your tree, check them to be sure all the bulbs work and that there are not cracked sockets or loose wires that can cause fires. Don’t try to repair sets…throw them away. Don’t overload extension cords or run them under furniture or rugs. Keep lights away from pets and small children.</p> <p>When decorating outside, be sure the lights are approved for outdoor use. Use plastic hooks or insulated staples to hang lights. Don’t use nails or tacks or other methods that can damage wires. Plug all outdoor lights into a circuit that has ground fault interrupter protection. When removing lights at the end of the season, don’t tug on them as it can cause damage. It’s a good idea to check lights as you take down the tree and dispose of any bad sets immediately to avoid problems next year.</p> <p><strong>Turn off indoor lights when you leave the house or go to bed. </strong>Consider turning them off unless you're going to be in the same room. Lights can short out and cause a fire. If something happens, you being able to respond quickly can make all the difference. You can now buy wireless remote control switches that make it really easy to turn lights on and off without having to crawl or bend behind the tree.</p> <h3>decorations</h3> <p>When possible use decorations that are flame resistant or flame retardant. Keep candles away from combustible materials and don’t leave matches where children can reach. Place candles in locations where they aren’t easily knocked over. Don’t leave burning candles unattended.</p> <p>If you enjoy poinsettias, you don’t have to worry about them being poisonous, which is a persistent myth. However, they can cause nausea and vomiting if ingested, so keep them out of reach of small children and pets. If using fresh evergreens, keep them away from heat sources. For extra safety, consider spraying greens with a <a href="http://www.ehow.com/how_7710211_preservative-spray-evergreen-trees.html" target="_blank">flame retardant solution</a> and be sure to remove them when they are dry.</p> <h3>fireplaces</h3> <p>If you decorate around your hearth, remove combustible materials before lighting the fire. Check to be sure the flue is open. Have your flue cleaned to avoid build-up that can cause chimney fires. Don’t burn wrapping paper; it can cause a flash fire that could get out of control.</p> <h3>food & alcohol safety</h3> <p>Unattended cooking is a leading cause of fires, so stay focused. When preparing food, follow standards to avoid bacteria contamination from raw foods. Thaw meats in the refrigerator. Wash hands frequently. When serving food, never leave food that requires refrigeration at room temperature for more than two hours. Take care not to put hot dishes at the edge of counters where they could be knocked over.</p> <p>If you’re having a party and serving alcohol, <a href="https://www.dfmurphy.com/resources/News-Articles/holiday-party-etiquette-serving-alcohol2.aspx">be a responsible host</a> and take steps to protect you and your guests. Limit your own intake so that you can judge guests sobriety. Encourage designated drivers, and if a guest has had too much to drink or is overly tired, arrange for a ride or have them sleep at your home.</p> <h3>security</h3> <p>If traveling, have a friend or neighbor keep an eye on your home. Be sure to stop your mail and newspaper delivery. Don’t post travel plans on social networking sites since you can't always be sure who is reading it. If you have an alarm system, activate it even if you’re just going out for the evening.</p> <p>Regardless of how you celebrate, all of us at Murphy Insurance wish you a happy holiday season.<br />  </p> 720Road safety tips for holiday travelhttps://www.dfmurphy.com/blog/PostId/891/celebrate-safely-and-safe-travels.aspxGeneral Safety and InfoMon, 20 Nov 2023 19:15:00 GMT<p>As we consider the many things for which we are thankful, Murphy Insurance Agency is truly appreciative of our clients, our partners, our team members, and our community. <strong>Wishing you all a happy and healthy Thanksgiving.</strong></p> <h3><img alt="traveling on the road" src="/Portals/0/highway-1767107_1920.jpg?ver=2019-11-25-105826-677" style="float: left; width: 300px; height: 200px;" />If you're on the road...</h3> <p>Traditionally, Thanksgiving weekend is among the busiest days of the year for travel. If you’re going to be on the road over the holiday weekend, please be extra cautious.</p> <p>Following these tips during the holidays…and always…will help to keep you and others safe.</p> <ul> <li><strong>Check tire pressure and fluid levels</strong>...prevention can avoid a breakdown</li> <li><strong>Clean windows to avoid glare</strong>...clean headlights and taillights, too</li> <li><strong>Leave early</strong>...the best way to reduce road stress is to give yourself extra time</li> <li><strong>Buckle up</strong>...be sure kids are properly in their seats</li> <li><strong>Obey speed limits & road rules</strong> - driving fast could get you a speeding ticket and increases chances of an accident</li> <li><strong>Don't tailgate</strong>...give yourself room to react, a crash is not on your holiday 'to do' list</li> <li><strong>Be patient if there are delays</strong>...getting frustrated won't get you there faster</li> <li><strong>Avoid distracted driving</strong>...focus on the road. Even hands free phone calls can be distracting.</li> <li><strong>Be alert</strong>...drive defensively and be prepared to react</li> <li><strong>Make frequent stops</strong>...during long trips, rotate drivers. Stop and rest if too tired</li> <li><strong>Turn on headlights at dusk</strong>...it's for safety and it's the law</li> <li><strong>Don’t drink and drive</strong>...what else needs to be said</li> <li><strong>Don’t drive drowsy or sleepy</strong>...it can be as dangerous as driving drunk</li> <li><strong>Stay in your vehicle if you have a breakdown</strong>…standing on the side of the road is dangerous; be sure to pull off the road as far as possible</li> </ul> 891