Daylight Savings Time…a Good Time to Check Alarms
When adjusting the clocks for Daylight Saving Time changes, remember to ensure your smoke alarms and carbon monoxide detectors are functioning correctly, as advised by fire safety officials.
Author Archive for: murphyinsurstg
Entries by Murphy Insurance
Keys to Properly Insuring Your Home
Regularly reviewing and updating your insurance is essential to safeguard both your home and financial stability in the face of significant fires or other disasters. It’s crucial to ensure you have adequate insurance coverage to rebuild and replace your possessions in the event of complete destruction to your home. Maintaining appropriate insurance coverage can mitigate the financial burden and help you recover from unforeseen calamities.
Halloween Safety: Trick or Treat Tips
Get ready to hear “Trick or Treat!” echoing through the spookiest days of the year. With Halloween festivities expanding beyond October 31st, communities host various events, making it essential to keep Trick or Treating and Halloween enjoyable and safe for everyone.
Protecting your Business Property in Winter
Prepare for New England’s unpredictable winters to ensure smooth and safe business operations. Taking steps to address common winter-related property damage can mitigate risks and keep your business running seamlessly throughout the season.
Halloween Safety: Home Safety Tips
Halloween rivals Christmas in festive spirit, evident in the elaborate decorations adorning neighborhoods. However, amidst the excitement, it’s important to consider insurance implications, especially when inviting guests or driving during the festivities.
Community & Volunteer-Related Liability Loss Exposures
Numerous individuals encounter community and volunteer-related loss exposures, particularly if they or a family member hold leadership roles in organizations such as community, charity, religious, not-for-profit, or political groups. Such roles may entail liability for decisions or actions taken within those capacities. Engaging in volunteer work or participating in community events also presents risks like personal injury or property damage liabilities, underscoring the importance of obtaining suitable insurance coverage to mitigate potential legal and financial consequences associated with such activities.
What is Gap Insurance?
When purchasing or leasing a new vehicle, it immediately depreciates in value once driven off the lot, a factor covered by standard auto insurance policies. With minimal down payments on financed purchases, the loan amount may surpass the vehicle’s market worth in the initial years of ownership.
Before You Say, I Don’t Need Renters Insurance..
According to research by the Insurance Information Institute, just 37% of renters possess Renter’s Insurance, indicating that numerous individuals overlook the significant protection it offers. Without this remarkably affordable coverage, are you dismissing its benefits before fully understanding what Renter’s Insurance can do for you?
Making Sure that Your Home is Properly Covered for a Disaster
Given the escalating construction prices and potential scarcity of materials and labor after disasters, it’s imperative for homeowners to regularly update their insurance coverage to reflect improvements, major purchases, and increased rebuilding costs, ensuring comprehensive protection for their most valuable asset – their home. Underestimating coverage needs could leave homeowners vulnerable to financial setbacks in the event of unforeseen disasters or property damage.
Differentiating Between an Employee and an Independent Contractor
Distinguishing between an employee and an independent contractor can be complex and costly if mistaken. MADUA has issued guidance, outlining the 3-Prong ‘A-B-C test’ to help clarify independent contractor requirements.