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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!

If you have a heating oil tank in your home, be sure you consider purchasing an “Escaped Liquid Fuel Endorsement” aka Oil Remediation coverage for your policy if you haven’t already done so.  Typically, home insurance policies exclude coverage for fuel contamination to your personal property, groundwater, and a neighbor’s property. unless you have purchased an oil remediation coverage endorsement.

With winter comes snow and snow plowing. If you plow snow as part of your business or as a side business, you need to consider liability protection for completed operations in addition to auto insurance. Changes to Massachusetts Laws in 2010 increased the snow removal liability risk for property owners and snow plow contractors, which has made having proper protection increasingly important.

With winter fast approaching, now is the time to properly safeguard your home from the harsh elements of this season. These steps can lessen your chances of a loss to your home due to inclement weather.

Trick or Treat! No doubt you'll be hearing that a few times on this spookiest of days. Whether you go all out personally or just enjoy others getting into the spirit, here are 10 tips to keep trick or treating and Halloween fun and safe for everyone.

Halloween isn’t just for kids. All you have to do is drive around and see the decorations, and you know that Halloween is right up there with Christmas when it comes to getting into the holiday spirit…pun intended. Insurance may not come to mind as you're planning your costumes or decorating your home, but there are certain risks involved especially if you are...

The risk for deer collisions is 3 times greater during the months of November and December according to the Highway Loss Data Institute (HLDI) statistics. Increased deer activity during their migration and mating season cause a sharp increase in auto accidents involving deer.

To protect your home and your financial well-being in the event of a major fire or other disaster, you should regularly review and update your insurance. While many home policies adjust automatically to keep pace with increasing construction costs, it’s wise to complete a home replacement cost estimator every 5 years or anytime you make major alterations, additions or upgrades...

Tips for buying commercial auto insurance that will help you manage costs and ensure you’re properly protected. Whether you need commercial auto insurance for a single vehicle or a whole fleet, you want insurance that is both affordable as well as provides the proper protection.