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The Murphy Insurance Blog

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News, updates and useful tips about insurance products and the insurance industry. We also provide insights on community events, local news and information that affect your everyday life. Enjoy!

freight terminal

The logistics industry ensures that goods reach their destinations efficiently. Yet, amidst the complexities of this intricate network lies a threat known as double brokering, a freight fraud scheme that can leave companies vulnerable to financial loss and operational disruption. Learn about this risk and how you can protect yourself.

hurricane check list

With the June start of hurricane season, it's a good time to check your homeowners or renters insurance—and this handy list from the Insurance Information Institute will make it easy to be sure you’re well-prepared in case a storm comes your way.

Disaster Scene

A disaster recovery plan (DRP) is more than just a contingency measure; it's a strategic blueprint designed to navigate through crises efficiently. Insurance solutions play a complementary role in mitigating the financial fallout of business interruptions, and can provide coverage for income loss and additional expenses.

Compliance

Employers should regularly review their compliance with federal, state, and local employment laws.  Here are a variety of areas to keep in mind during 2024

mulch fire prevention

Property owners, who use mulch in their landscaping, need to be aware of the Massachusetts Mulch Fire-Safety laws. These apply to commercial and residential properties with six or more units, but it's good information for every property owner to follow to prevent fire.

spring cleaning

Spring brings with it the traditional “spring cleaning”. While you’re organizing your home and preparing for the warmer months ahead, it's also the perfect time to give your insurance policies a spring cleaning check-up. Ensuring your coverage is up to date and tailored to your current needs can provide peace of mind as you embrace the joys of spring and summer. Take a few moments to explore some essential considerations for your insurance protection this season.

driving car

You may not think an error on your auto insurance application is a big deal, but the consequences can be very costly. Giving inaccurate information on your application can lead to increased premiums, policy cancellations or insufficient coverage in the event of an accident. Here are some common mistakes to avoid when applying for auto insurance.

business interruption insurance

Standard property insurance covers physical damage and losses—furniture destroyed in a fire, a storm-damaged office building or stolen equipment. This coverage can help you pay the costs of rebuilding or replacing damaged property. But what about losses resulting from your business’s inability to operate because of property damage? For this type of loss, you’ll need business interruption insurance, also known as business income insurance.

car accident

Because having an accident isn’t a common occurrence, you might forget what you should and shouldn’t do if you’re in an accident. Here are actions you can take to help things go smoothly and facilitate the claims process.

protect loved ones life insurance

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.