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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 bad weather causes damage, Home insurance coverage for a storm related losses can depend on the situation as well as on what type of coverage you’ve purchased. Typical homeowner policies (HO3 policy form) include coverage for a variety of causes of loss; however, certain causes of loss may be excluded, which helps to keep policies affordable. Learn more about homeowner insurance and storm protection.

If you lease a car, you still need to buy your own auto insurance policy. The auto dealer or bank that is financing the car will require you to buy collision and comprehensive coverage. You will need to buy these coverages in addition to the others that may be mandatroy in your state, such as auto liability insurance. The leasing company may also require "gap" insurance.

There are four events that should trigger a review of your policy: 1) When your policy comes up for renewal. 2) When you've made major purchases or improvements to your home. 3) When you've made your home safer. 4) When you've made your home safer.

If you choose to cohabitate, take care to obtain the right coverage for your situation. The general overview below highlights key concerns...

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.

With the June start of hurricane season, it's a good time to check your homeowners or renters insurance—and this handy list from the Insurance Information Institute will make it easy to be sure you’re well-prepared in case a storm comes your way.

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.

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.