If you're planning to serve alcohol at your home, take steps to limit your liquor liability and make sure you have the proper insurance. Social host liability is the legal term for the criminal and civil responsibility of a person who furnishes liquor to a guest. Social host liability can have serious consequences for party throwers.

Spring, summer and fall are motorcycle season. It’s common for cyclists to remove coverage in the winter and add it back in the spring when the weather gets good. Just remember you should never drive your bike even once without ensuring your coverage is up to date. It’s also a good idea to take an in-depth look at your coverage periodically because you might change bikes, change riding habits or buy special equipment and all those things can impact your coverage needs. Here are some areas to consider.

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.

Water damage is one of the most common and costliest disasters your home can experience, costing billions of dollars annually. Safeguard your most important asset against water damage with the right insurance coverage and the following practical advice.

Most often car insurance pays for damage to vehicles, but the biggest risk to you financially is injuring people and not having enough Bodily Injury to Others coverage. You can’t predict an accident happening nor can you predict how many people could be injured. How far would bodily injury protection of $50,000 per person/$100,000 max per accident go if you seriously injured four or more people requiring extended hospital stays and extended rehabilitation? The cost to increase this...

Be sure to periodically update your appraisals for high value jewelry, antiques, fine art, collectibles or other valuables that you have scheduled on your homeowner, condominium owner or renters insurance policy, Values can shift over time, and unless you update your appraisals you may be over or under insured.

Murphy Insurance is always working to find ways to make doing business with us easier.  We now offer the ability to sign many of our personal insurance forms electronically using Docusign. Quickly and securely access and sign documents in minutes…not days.

In response to the Equifax breach or other credit breaches, many recommend that people put a freeze on their credit. While this is certainly something to consider, freezing your credit accounts can have potential ramifications related to new insurance quotes and renewals. Info you should know.

If you drive for a Transportation Network Company (TNC), personal auto insurance policies stop providing coverage for vehicle damage, property damage, bodily injury and most other coverages as soon as you sign into the TNC app. Typically, the insurance policies offered by TNCs only provide limited coverage during the time between you logging into the app and picking up a fare. However, a personal auto insurance endorsement can help to cover the gap.

If you drive for a Transportation Network Company (TNC), there’s good news on the insurance front. Several insurance carriers are now offering a personal auto insurance policy endorsement to close a coverage gap that exists for TNC drivers. Drivers need to clearly understand the details of how the TNC provided insurance and their personal auto insurance coverage work to provide coverage because there are often gaps.