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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.

MA Workers Comp Payroll Basis for Sole Proprieters & Partners, effective October 1, 2015

MA Workers Comp Payroll Basis for Sole Proprieters & Partners, effective October 1, 2015

October 6, 2015
The Workers Compensation Rating and Inspection Bureau of Massachusetts (WCRIBMA) has introduced new payroll determinations for sole proprietors, partners, and LLC members, impacting premium calculations. Based on the Statewide Average Weekly Wage (SAWW), premiums are now determined by a formulaic approach, affecting new and renewal workers' compensation business from October 1, 2015.
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Avoid Those Cell Phones While Driving

Avoid Those Cell Phones While Driving

October 6, 2015
According to the National Highway Traffic Safety Administration (NHTSA), nearly 700,000 drivers in the United States use cell phones or manipulate electronic devices while driving during daylight hours. In 2012, there was a 9 percent increase from the previous year, resulting in an estimated 421,000 injuries in auto accidents involving distracted drivers.
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RMV Website

RMV: Skip the Line…Go Online!

October 5, 2015
Hate waiting at the RMV? Before heading to a branch, visit MassRMV.com to see if you’re eligible for an online transaction. From license renewals to registrations, many services are just a click away. Plus, follow @MassRMV on Twitter for updates and enjoy free WiFi at select branches. #SkipTheLine
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Reduce Your Exposure to Intersection Auto Accidents

Reduce Your Exposure to Intersection Auto Accidents

September 25, 2015
Automobile crashes causing injuries and property damage are most prevalent in urban areas, with one study finding that 81 percent of crashes happen in cities. Additionally, approximately 43 percent of auto accidents are linked to intersections, as highlighted by another study.
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Holding Phone

RMV Introduces Free In-Branch WiFi at Eight Busiest Branches

September 16, 2015
Starting September 2, 2015, RMV customers at eight branch locations across Massachusetts can enjoy free WiFi while completing their transactions. This new service is part of the RMV’s ongoing efforts to enhance customer experience and modernize branch operations. Stay connected while you wait!
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Risk Management for ATV Owners

Risk Management for ATV Owners

September 8, 2015
In the US, there are roughly 10 million ATVs and over 16 million operators, but each year sees around 700 deaths and over 100,000 injuries from ATV accidents. If you own or operate an ATV, it's crucial to inform your insurance agent to ensure adequate liability coverage and limits.
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MassRMV: FasTrack License Renewal Self-Service Kiosks 1200x628

MassRMV: FasTrack License Renewal Self-Service Kiosks

August 18, 2015
FasTrack service is available at select MA RMV branches, including Boston’s Haymarket, Worcester, Springfield, and more. This self-service kiosk allows eligible customers to take their own photo, complete transactions quickly, and receive a temporary credential, with the permanent license or ID mailed to their address.
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New Public Record Request Procedures in MA

New Public Record Request Procedures in MA

August 3, 2015
Governor Charlie Baker unveiled measures to enhance transparency in government operations, reduce costs, and improve responsiveness to public records requests. These reforms, including streamlined fee structures and enhanced communication protocols, aim to bolster taxpayer accountability and accessibility.
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Increase to Accident Surcharge Thresholds Limits Effective July 1, 2015

Increase to Accident Surcharge Thresholds Limits Effective July 1, 2015

July 17, 2015
Governor Baker's signing of the Massachusetts 2016 State Budget on July 17, 2015, led to increased minor and major thresholds for surchargeable accidents, offering potential savings for drivers in the state who may be involved in at-fault accidents.
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Is Hands-Free Cell Phone Use Safe? 2

Headlight & Windshield Wiper Law No Longer a Surchargeable Offense – July 17, 2015

July 17, 2015
A new law eliminates the surchargeable offense for not using headlights with windshield wipers. Though using headlights and taillights with wipers remains mandatory and enforceable, receiving a ticket won't affect your driving record or insurance premium.
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Glasses on Computer

CT Passes Data Breach Notification Legislation

July 7, 2015
A new Connecticut law mandates that consumers be notified of a data breach within 90 days of discovery and requires at least one year of free identity theft protection for breaches involving Social Security Numbers. Attorney General George Jepsen emphasized that his office will continue to scrutinize breaches and take enforcement action against companies that unreasonably delay notification, even if they comply with the 90-day limit.
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Is Hands-Free Cell Phone Use Safe? 2

Have You Heard? NH New Hands-Free Electronic Device Law in Effect July 1, 2015

July 1, 2015
Effective July 1, 2015, New Hampshire implemented a law prohibiting the use of hand-held electronic devices while driving, joining other states in similar measures. This law aims to enhance road safety by reducing distractions caused by electronic devices.
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