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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!

house colonial style.jpg

For many people, their home is their greatest asset, so it is crucial to avoid being underinsured. Ask your insurance professional these 4 key questions.

Uninsured driver accidents

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...

disaster planning questions

Forty percent of businesses do not reopen after a disaster and another 25 percent fail within one year. But by taking action in advance to prepare, businesses can increase their chance of getting back on their feet financially and keeping their doors open.

caution: Insurance Pitfalls

When making decisions about your insurance, it can be a balancing act deciding how much coverage to buy. When a claim occurs, few people would regret having spent a little more for the extra coverage that prevents a large out of pocket expenditure. Avoiding these common insurance mistakes will help ensure you have solid protection.

home based business

Whether you’re running a part-time, seasonal or full-time business from your home, you’ll want to carefully consider your risks and insurance needs. Starting a business—even at home—can be a challenging venture, and having the right insurance can provide a financial safety net and peace of mind.

Cyber Crime Risk

Cyber security and the risk of a data breach are greater than ever. Yet, many businesses have fully considered the increased cyber security risk. With more employees working from home and other changes to business operations the risk has increased and requires more steps for prevention and protection.

checkup review

It's worth talking to your insurance representative periodically to review your coverage even if you don't have a specific issue to take care of. Changes in your life can impact your needs and you may not realize it, and insurance companies often come out with new coverage options that you should consider.

workers' compensation

Workers’ compensation insurance protects employees from financial hardship after they suffer injury or illness on the job. It pays for direct medical expenses and wage replacement while the employee is unable to work due to the injury...

decisions

Sometimes decisions you make can impact the pricing and availability of insurance. If you’re contemplating any of these decisions, be sure to speak to your insurance agent first to discuss how these issues can impact your insurance coverage and premium.

diamond ring insure

Insuring jewelry is different from your other personal possessions. Standard home, renter and condo policies generally have a $1,000 specific limit in the event of theft. You may be able to increase that amount to $3,000 with some companies; however, for an expensive piece such as an engagement ring, you probably would have a coverage gap. Find out how you can protect the full value of your high value jewelry and get better coverage for situations such as losing the ring or a stone falling out.