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Our Blog

Welcome to the Murphy Insurance blog, your trusted source for insurance insights. Our posts will simplify the complex world of insurance for you, whether you’re a homeowner, business owner, or an individual looking for the right coverage. Join us on this journey to peace of mind.

Keys to Properly Insuring Your Home

Keys to Properly Insuring Your Home

November 1, 2023
Regularly reviewing and updating your insurance is essential to safeguard both your home and financial stability in the face of significant fires or other disasters. It's crucial to ensure you have adequate insurance coverage to rebuild and replace your possessions in the event of complete destruction to your home. Maintaining appropriate insurance coverage can mitigate the financial burden and help you recover from unforeseen calamities.
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Halloween Safety - Part 2: Trick or Treat Tips

Halloween Safety: Trick or Treat Tips

October 26, 2023
Get ready to hear "Trick or Treat!" echoing through the spookiest days of the year. With Halloween festivities expanding beyond October 31st, communities host various events, making it essential to keep Trick or Treating and Halloween enjoyable and safe for everyone.
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Protecting your Business Property in Winter

Protecting your Business Property in Winter

October 24, 2023
Prepare for New England's unpredictable winters to ensure smooth and safe business operations. Taking steps to address common winter-related property damage can mitigate risks and keep your business running seamlessly throughout the season.
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Halloween Safety - Part 1: Home Safety Tips

Halloween Safety: Home Safety Tips

October 23, 2023
Halloween rivals Christmas in festive spirit, evident in the elaborate decorations adorning neighborhoods. However, amidst the excitement, it's important to consider insurance implications, especially when inviting guests or driving during the festivities.
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Community & Volunteer-Related Liability Loss Exposures

Community & Volunteer-Related Liability Loss Exposures

October 20, 2023
Numerous individuals encounter community and volunteer-related loss exposures, particularly if they or a family member hold leadership roles in organizations such as community, charity, religious, not-for-profit, or political groups. Such roles may entail liability for decisions or actions taken within those capacities. Engaging in volunteer work or participating in community events also presents risks like personal injury or property damage liabilities, underscoring the importance of obtaining suitable insurance coverage to mitigate potential legal and financial consequences associated with such activities.
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What is Gap Insurance?

What is Gap Insurance?

October 17, 2023
When purchasing or leasing a new vehicle, it immediately depreciates in value once driven off the lot, a factor covered by standard auto insurance policies. With minimal down payments on financed purchases, the loan amount may surpass the vehicle's market worth in the initial years of ownership.
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Before You Say, I Don't Need Renters Insurance..

Before You Say, I Don’t Need Renters Insurance..

October 16, 2023
According to research by the Insurance Information Institute, just 37% of renters possess Renter's Insurance, indicating that numerous individuals overlook the significant protection it offers. Without this remarkably affordable coverage, are you dismissing its benefits before fully understanding what Renter's Insurance can do for you?
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Making Sure that Your Home is Properly Covered for a Disaster

Making Sure that Your Home is Properly Covered for a Disaster

October 9, 2023
Given the escalating construction prices and potential scarcity of materials and labor after disasters, it's imperative for homeowners to regularly update their insurance coverage to reflect improvements, major purchases, and increased rebuilding costs, ensuring comprehensive protection for their most valuable asset – their home. Underestimating coverage needs could leave homeowners vulnerable to financial setbacks in the event of unforeseen disasters or property damage.
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Differentiating Between an Employee and an Independent Contractor

Differentiating Between an Employee and an Independent Contractor

October 4, 2023
Distinguishing between an employee and an independent contractor can be complex and costly if mistaken. MADUA has issued guidance, outlining the 3-Prong ‘A-B-C test’ to help clarify independent contractor requirements.
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When Disaster Strikes Preparation, Response and Recovery for Businesses

When Disaster Strikes: Preparation, Response and Recovery for Businesses

October 2, 2023
Disasters can impact businesses of all sizes and types, leading to temporary closures or permanent shutdowns due to events like floods, fires, or hurricanes. Businesses can be extremely vulnerable to unforeseen events and need to prioritize the importance of disaster preparedness and resilience strategies. Taking proactive measures can help minimize the impact of a disaster on your business, while having sufficient insurance coverage can expedite the recovery process.
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U.S. Auto Insurer Claim Payouts Soar Due to Increasing Inflation

U.S. Auto Insurer Claim Payouts Soar Due to Increasing Inflation

September 28, 2023
Rising inflation has driven personal and commercial auto liability insurance costs billions higher, impacting both policyholders and insurers, according to a recent study. Despite dominating premium earnings, personal auto policies often offer significantly lower coverage limits than commercial policies, highlighting a crucial gap in protection.
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Home Winter Weather Preparation Tips

Home Winter Weather Preparation Tips

September 28, 2023
As winter approaches, it's essential to take proactive steps to safeguard your home against potential ice, snow, and wind damage. Remember, starting the winterization process when the leaves change, not when snowfall begins, can significantly mitigate risks and ensure a safer, warmer, and more cost-effective living environment.
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  • Your Guide to Fall Festivals in MetroWest Massachusetts and Beyond (2026) August 14, 2026
  • Home Inventory Made Simple | The 30-Minute Method That Helps Claims Go Faster August 13, 2026
  • The Time Is Now to Kick-start Open Enrollment Efforts August 10, 2026
  • Gaining Real-World Business Experience Through Assabet Valley’s Co-op Program August 6, 2026
  • Do College Students Need Renters Insurance? August 3, 2026
  • Certificates of Insurance: The Costly Mistakes Many Businesses Don’t Catch July 30, 2026
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  • A Safer Start to Summer: Simple Habits for a Fun and Worry-Free Fourth of July July 1, 2026
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