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The Murphy Insurance Blog

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News, 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!

disaster planning questions

Forty percent of businesses do not reopen after a disaster and another 25 percent fail within one year. But by taking action in advance to prepare, businesses can increase their chance of getting back on their feet financially and keeping their doors open.

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.

workers' compensation

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...

garaging location

The location where your vehicle is primarily parked overnight 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. Failing to notify the company of a garaging change can result in an auto insurance claim being denied.

winter snow removal

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. In Massachusetts, all property owners (owner occupied and rental) 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.

With winter comes snow and snow plowing. If you plow snow as part of your business or as a side business, you need to consider liability protection for completed operations in addition to auto insurance. Changes to Massachusetts Laws in 2010 increased the snow removal liability risk for property owners and snow plow contractors, which has made having proper protection increasingly important.

The risk for deer collisions is 3 times greater during the months of November and December according to the Highway Loss Data Institute (HLDI) statistics. Increased deer activity during their migration and mating season cause a sharp increase in auto accidents involving deer.

Tips for buying commercial auto insurance that will help you manage costs and ensure you’re properly protected. Whether you need commercial auto insurance for a single vehicle or a whole fleet, you want insurance that is both affordable as well as provides the proper protection.

Annual reviews can serve as a beneficial development tool to identify, measure, encourage, evaluate, reward and improve employee performance. Documenting employee performance is an important human resources management practice that can help avoid misunderstandings that could lead to legal action...

When a certificate holder requests to be added to an insurance policy as an “Additional Insured”, this requires insurance agents to ask about and understand if there are contractual obligations that need to be met.