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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!

Cyber Risk

Use our cyber risk exposure scorecard for a quick way to get a sense of your organization's risk of exposure to cyber incidents.

Disaster Scene

A disaster recovery plan (DRP) is more than just a contingency measure; it's a strategic blueprint designed to navigate through crises efficiently. Insurance solutions play a complementary role in mitigating the financial fallout of business interruptions, and can provide coverage for income loss and additional expenses.

Compliance

Employers should regularly review their compliance with federal, state, and local employment laws.  Here are a variety of areas to keep in mind during 2024

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.

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.

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.

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.