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Blog: Murphy Insurance Blog

Mitigate your sewer backup loss exposure

May 14 2019
Sewer backup loss exposures are a common coverage gap under a homeowners policy. However, this exposure can typically be covered by the addition of a "Water Back-up and Sump Overflow" endorsement to your policy. In addition to procuring the proper insurance coverage, homeowners should adopt several risk control techniques concerning this loss exposure.

Is your business ready for MA Paid Family & Medical Leave Law effective July 1, 2019?

May 09 2019
As a Massachusetts employer, you're likely going to have new responsibilities under the Paid Family and Medical Leave (PFML) law, which goes into effect July 1, 2019. This law applies to all employers. This law applies to employers with a workforce of any size with few exemptions. Learn what you should be doing to prepare and where you can get more information.

Flood insurance issues for home sellers and buyers

April 30 2019
If you are selling or buying a home, be aware of changes the National Flood Insurance Program (NFIP) and flood insurance rates that began on April 1, 2015. The changes to rate structures have significant impacts to property owners/buyers especially those with properties currently in a flood zone or properties newly mapped into a Special Flood Hazard Area with the redrawing of flood maps.

Stay safe and don't let an accident ruin your water fun

April 22 2019
Unlike small boats, personal watercraft are not generally covered by homeowners insurance (and in the rare cases they are, coverage limits are low). Personal watercraft insurance (PWC) is specifically designed in order to insure these vessels.

Boat insurance and safety

April 18 2019
Boats afford recreation and adventure to their owners, but they come with risks, as well. Don’t let an accident or disaster sink you—understand how to insure your prized vessel.

Safe driving tips for teens

April 15 2019
No one thinks an accident will happen to them until it does, and the statistics show that new drivers are at greater risk of being involved in an accident. Safe driving helps avoid accidents and saves lives. It can also save you money because often insurance costs to go up if you have an accident. When you have a good driving record, car insurance is more affordable. Here are eight ways to be safer on the road.

Insurance check list for getting your motorcycle back on the road

April 10 2019
If your motorcycle has been off the road for a while, It’s exciting to get back out there, but before you do, be sure that you also do a check up on your motorcycle insurance in addition to the motorcycle itself. Being properly protected will make your summer fun all the more enjoyable.

Reasons to purchase permanent life insurance

April 03 2019
A permanent life policy provides lifelong insurance protection. The policy pays a death benefit if you die tomorrow or if you live to be a hundred. You can lock in premiums when you purchase the policy. By purchasing a permanent policy, the premium will not increase as you age or if your health status changes. There is also a savings element that will grow on a tax-deferred basis and may become substantial over time.

When disaster strikes: Preparation, response and recovery

March 25 2019
No business is totally immune from disaster. Every year, businesses temporarily shut down—or close forever—because of a disaster such as a flood, fire or hurricane. You can take proactive steps to mitigate the impact of a disaster on your business. In addition, carrying adequate insurance coverage can help your business get back on its feet quickly.