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The Murphy Insurance Blog

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!

mulch fire prevention

Property owners, who use mulch in their landscaping, need to be aware of the Massachusetts Mulch Fire-Safety laws. These apply to commercial and residential properties with six or more units, but it's good information for every property owner to follow to prevent fire.

Cyber Crime Risk

Cyber security and the risk of a data breach are greater than ever. Yet, many businesses have fully considered the increased cyber security risk. With more employees working from home and other changes to business operations the risk has increased and requires more steps for prevention and protection.

business interruption insurance

Standard property insurance covers physical damage and losses—furniture destroyed in a fire, a storm-damaged office building or stolen equipment. This coverage can help you pay the costs of rebuilding or replacing damaged property. But what about losses resulting from your business’s inability to operate because of property damage? For this type of loss, you’ll need business interruption insurance, also known as business income insurance.

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.

ice dam

Ice dams can be a homeowners worst nightmare. When melting snow freezes at the roof edge causing water to back up under the roofing material, it can cause significant water damage to a home. Consider these tips for prevention.

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.

commercial auto insurance

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.

snow plowing completed operations

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.

3 point check list

Companies using independent contractors need to evaluate these relationships using a three-part test to determine whether the worker classification is proper under the MA state laws. If an employer identifies an issue but does nothing, they risk stiff penalties.