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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.

Paperwork 1200

Medicare Part D Notices Are Due Before Oct. 15, 2025

September 2, 2025
Plan sponsors must provide the annual disclosure notice to Medicare-eligible individuals before Oct. 15, 2025—the start date of the annual enrollment period for Medicare Part D. This notice is important because Medicare beneficiaries who are not covered by creditable prescription drug coverage and do not enroll in Medicare Part D when first eligible will likely pay higher premiums if they enroll at a later date.
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Living room

Renting Out Your Home? Here’s What You Need to Know About Liability and Insurance

August 27, 2025
Renting out your home—whether short-term or long-term—can provide extra income but also introduces legal and insurance risks. Before listing your property, it's essential to research local laws, use a clear rental agreement, screen tenants carefully, and ensure your insurance policy provides the right coverage. Taking steps like securing valuables, documenting your home’s condition, and staying accessible can help protect your property and minimize potential issues.
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Ashley Pu Calderon and Wayne Texeira

Working with Co-op Students Yields a Mutually Beneficial Experience

August 22, 2025
As summer winds down and the next academic year approaches, we at Murphy Insurance Agency are both proud and a little wistful as we say goodbye to Ashley Pu Calderon, our most recent co-op student from Assabet Valley Regional Vocational Technical High School. While we’re sad to see her go, we’re incredibly excited for her as she begins her college journey
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Headed to College? Don’t Forget About Insurance

August 19, 2025
Whether it’s freshman year or senior year, sending a student off to college is a big deal. Between class schedules, dorm shopping, moving day, and maybe a few emotional goodbyes, there’s a lot going on. With so much happening, it’s easy to overlook things like insurance. But here’s the thing: insurance should definitely be on your college checklist, because being covered can save you time, money, and major stress down the road.
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Prioritizing Wellness During the 2025-26 School Year

August 17, 2025
The return to school and its associated responsibilities can impact everyone differently. Prioritizing wellness with a proactive approach is important to cope with the changes and obstacles a new school year may bring for everyone involved. This post highlights ways to care for yourself and your children during the school year.
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OSHA Safe & Sound Week

OSHA’s Safe and Sound Week Runs From August 11-17, 2025

August 13, 2025
More than 5,000 workers are killed on the job each year, and more than 3.6 million employees are seriously injured each year while at work. Because of this, OSHA holds a nationwide event each August called Safe and Sound Week, which promotes the importance of companies incorporating safety and health programs into their workplaces. This year, the event runs August 11-17, 2025.
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Hudson Family Dental

Business Spotlight: Hudson Family Dental Providing Modern Dentistry in the Heart of Hudson

August 12, 2025
Hudson Family Dental has been providing modern, compassionate dentistry in Hudson, MA since 1988. With cutting-edge technology and a team dedicated to personalized care, they’ve earned the trust of local families for generations. Learn how this Main Street practice blends innovation with community values—and why Murphy Insurance is proud to call them a client.
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Kitchen

Smoke Detector Maintenance: Keep Your Home and Family Safe

August 12, 2025
Smoke detectors are one of the most vital tools for protecting your home and family, but they only work if they’re properly maintained. In this post, we’ll cover how to choose the right smoke detectors, where to place them, and how to keep them in working condition through regular testing and battery replacement. A few simple steps can make all the difference in a fire emergency.
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File folders

Employee Benefits SAR Is Due by September 30 for Calendar Year Plans

August 5, 2025
Many employers that must file Form 5500 on behalf of their employee benefit plans must also provide plan participants with a summary annual report (SAR). The SAR is a summary of the information included in the Form 5500. Employers with plans that operate on a calendar year basis must provide the SAR by Sept. 30
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Life Insurance in Groton, MA Protecting What Matters with Murphy Insurance

Life Insurance in Groton, MA: Protecting What Matters with Murphy Insurance

August 1, 2025
For families and individuals in Groton and surrounding communities, life insurance from Murphy Insurance offers more than peace of mind—it provides a solid foundation for long-term financial security. Whether you’re safeguarding loved ones, covering debts, or planning for the future, our personalized life insurance solutions are designed to fit your goals and budget. From affordable term life to permanent protection and full-service planning, our Groton-based team is here to help you protect what matters most with trusted guidance, top-rated options, and local expertise.
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Supreme Court Upholds ACA’s Preventive Care Mandate

July 31, 2025
On June 27, 2025, the U.S. Supreme Court upheld a key component of the Affordable Care Act’s (ACA) preventive care mandate. Due to the Court’s ruling, the ACA’s preventive care mandate remains in full effect and health plans and issuers are required to continue covering the entire range of recommended preventive care services without cost sharing.
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Updated Hazard Communication Standard

Updated Hazard Communication Standard from OSHA

July 29, 2025
Employers should review OSHA's the final rule on its Hazard Communication Standard (HCS) to determine how the changes affect them. Specifically, paying attention to their compliance dates for required actions which go into affect in 2026 and 2027.
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  • Should You Put Your Teen on Your Car Policy or Get Them Their Own? August 25, 2026
  • Cybersecurity Essentials | Password Management Best Practices August 20, 2026
  • Electrical Safety | Homeowner’s Manual Blog Series August 17, 2026
  • 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
  • 5 Ways to Stay Cool Under Summer Pressure July 24, 2026
  • Safe Internet Browsing Practices July 21, 2026
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  • Outdoor Maintenance | Homeowner’s Manual Blog Series July 9, 2026
  • A Safer Start to Summer: Simple Habits for a Fun and Worry-Free Fourth of July July 1, 2026
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