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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!

Volunteering

Many people face a variety of community-related and volunteer-related loss exposures. For example, if you or a family member holds some type of leadership role in a community, charity, religious, not-for-profit, or political organization, you should consider certain risk management recommendations.

winter weather home prep tips

Consider these simple steps to make your home safer, warmer and cheaper to live in. Ice, snow and wind can have devastating consequences on your home; fortunately, there are precautions you can take to avoid winter related damage. Keep in mind, the time to winterize is when the leaves begin to turn and not when the snow begins to fall.

insurance discounts

Discounts for having auto & home/condo/renter policies with the same company can be confusing. We're always working to help you maximize your discount opportunities and save money. In the past, a multi-policy discount only applied on a home-type policy. Discounts are available on both home and auto policies, which can mean greater savings. • auto policy discounts with a home range from 8% to 10% • home policy discounts with an auto range from 5% to 20%

Many renters underestimate how much they are putting at risk by not having this extremely affordable coverage. If you don't have renter's insurance, are you saying "No" before you are really clear on what renters insurance does for you? Renter insurance covers is damage to your personal property and also provides liability coverage.

3 point check list

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.

Back to School for College Students

If you're a college student living in a dorm or apartment, or have a child who's away at school, you may need to update your insurance policy or make coverage changes. Here are some issues to consider...