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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!

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.

sewer backup coverage

Sewer backup loss exposures are a common coverage gap under a homeowners policy. However, this exposure can typically be covered by the addition of a "Water Back-up and Sump Overflow" endorsement to your policy. In addition to procuring the proper insurance coverage, homeowners should adopt several risk control techniques concerning this loss exposure.

driver driving.jpg

Distracted driving has become a deadly epidemic. Cell phone use, including texting, talking, and social media, use are the most common distraction. However, other distractions including eating, drinking, applying makeup, adjusting the radio, or GPS can be equally dangerous. Don't drive distracted.

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.

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.

motorcycle insurance

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.