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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!

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...