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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.

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New Commercial Driver’s License and Learner’s Permit Standards Effective July 2016

June 20, 2016
For those holding a CDL or CLP, note the amended Commercial Driver License standards known as the "CDL Permit Rule," implemented by the Federal Motor Carrier Safety Administration (FMCSA). Starting in July 2016, the Massachusetts RMV will enforce this regulation.
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Hurricane

2016 Hurricane Season is Here, Be Prepared

June 2, 2016
The 2016 hurricane season begins June 1, with NOAA predicting 4 to 8 hurricanes. Prepare by creating a disaster kit and reviewing your insurance—standard policies cover wind damage, but flood coverage requires a separate policy. Strengthen your home by trimming trees and securing windows, and consider buying a generator. Contact your agent to ensure your coverage is sufficient before the storm season.
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Mitigate Rental Property Coverage Gaps

Mitigate Rental Property Coverage Gaps

June 2, 2016
Homeowners can rent property to tenants regularly, and it's crucial for them to take protective measures for their rental investments. Here are some recommendations and tips for those who continuously rent out residential property.
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Dog Bites Accounted for More than 1/3 of All Homeowner Liability Payouts Last Year

Dog Bites Accounted for More than 1/3 of All Homeowner Liability Payouts Last Year

May 20, 2016
In 2015, dog bites and related injuries comprised over a third of all liability claim payouts in homeowners insurance. Despite a 7.2 percent decrease in nationwide dog bite claims, the average cost per claim surged by 16 percent.
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Why You Need Uninsured Motorists Coverage

May 19, 2016
When purchasing automobile insurance, being well-informed is essential for making intelligent decisions due to the various factors involved. One critical decision is whether to invest in uninsured motorists (UM) and underinsured motorists (UIM) coverage.
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Paper and Computer

MA Certificate of Insurance Law Update — Chapter 175L

March 28, 2016
Enacted in 2015, Massachusetts MGL Chapter 175L reinforces that certificates of insurance cannot modify policy terms. Despite this clarification, many businesses and clients still misunderstand the law, leading to ongoing compliance challenges.
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Checklist

Home Insurance Checklist…Getting the Best Value

March 24, 2016
To ensure excellent home insurance coverage, prioritize value over price. Understanding the essential components of a comprehensive insurance plan for your home, valuables, and liability is crucial whether you're a new homeowner or have owned your home for some time.
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Protect Your Business Data From Privacy and Cyber Threats 1200x628

Protect Your Business Data From Privacy and Cyber Threats

March 20, 2016
Data security and privacy remain paramount for businesses across all scales due to the diverse sources of cyber attacks and data breaches. These threats encompass both external criminals and internal factors, necessitating protection against various risks such as document loss, employee misconduct, and online intrusions. Implementing a three-pronged approach is essential for safeguarding private information.
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House to Consider Legislation Regulating Transportation Network Companies Ride for Hire

House to Consider Legislation Regulating Transportation Network Companies for Ride-for-Hire

March 10, 2016
The House of Representatives is set to deliberate on legislation proposed by the Financial Services Committee, aimed at regulating Transportation Network Companies (TNCs) such as Uber and Lyft. The proposed legislation establishes a new regulatory division, Ride For Hire, within the Department of Public Utilities, responsible for overseeing TNCs and their drivers, ensuring compliance with insurance requirements and background checks.
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Be Aware of Uber and Airbnb Insurance Gaps

Be Aware of Uber and Airbnb Insurance Gaps

February 19, 2016
Earning from services like driving for Uber or renting out your home on Airbnb can be appealing, but standard personal auto and home insurance policies do not provide coverage for these activities, potentially leaving you exposed to significant gaps in coverage in the event of an accident. It's essential to explore specialized insurance options tailored to these ventures to ensure adequate protection for your assets and liabilities.
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Managing Insurance Costs...Understanding Deductibles, Frequency and Severity

Managing Insurance Costs…Understanding Deductibles, Frequency and Severity

February 15, 2016
Effectively managing insurance costs extends beyond coverage limits, options, and premiums; it includes evaluating the deductibles you're comfortable paying out of pocket.
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Murphy’s Corner…Delivering Value For You

February 12, 2016
If you haven't heard it often, we want to express our sincere gratitude for your business. Choosing Murphy Insurance means entrusting us with safeguarding what matters most in your life, whether personal, business, or both, and we are committed to delivering excellent value consistently.
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