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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!

Safe driving tips for teens

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.

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.

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.

Have you ever said to yourself, "If someone else hits me then their insurance will pay." But, what if they don't have insurance or what if they have really low limits that doesn't cover the damage/injury they cause...

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.

When you think of flooding, you may think strictly of rivers or bodies of water. Did you know that: •Homeowners are 4 times more likely to sustain a loss from a flood than a fire. •25 percent of all flood insurance claims are filed in low- to moderate-risk areas. Here are some common questions that we get about floods...

Your past experience with insurance audtis has probably set your opinion of whether they are routine or something that you dislike. if you've found audits challenging, consider following these tips help your business avoid audit surprises and make the process smoother in the future.

You can purchase limited coverage either as part of a package endorsement that increases several coverages on your policy or as a separate “Water Back-up and Sump Discharge or Overflow Endorsement” to your policy...

Depending on who you ask, the reaction to insurance audits vary from “it was no big deal” to ”mildly annoying” to “frustrating”. As an agent, we wish that every audit fell in the “no big deal” category. By having a clear understanding of why audits are conducted, being as accurate as possible upfront with policy applications and maintaining proper documentation, businesses can make the audit process easier and avoid surprises.

Before the storm it’s about preparation, after the storm it’s about filing claims to recover from damage that couldn’t be prevented...