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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!

When a certificate holder requests to be added to an insurance policy as an “Additional Insured”, this requires insurance agents to ask about and understand if there are contractual obligations that need to be met.

Companies using independent contractors need to evaluate these relationships using a three-part test to determine whether the worker classification is proper under the MA state laws. If an employer identifies an issue but does nothing, they risk stiff penalties.

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.

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