10 Things You Should Know About Insurance
There are many things you might not know about your current insurance policies for your home, family, cars, and business. It is important to understand what is and isn’t covered.
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Entries by Murphy Insurance
Coaching Your Teenage Driver
Obtaining a driver’s license is a significant milestone for teenagers, symbolizing increased freedom and independence alongside added responsibility. While many teens may feel invincible, it’s crucial for parents to instill a heightened sense of responsibility, particularly when driving, to ensure safety on the road.
Car Insurance Checklist…Getting the Best Value
To secure excellent auto insurance, prioritize value over price. It’s crucial to consider the value you receive for your spending when purchasing car insurance, as minimum legal requirements may not offer sufficient protection in the event of a serious accident involving bodily injury or significant property damage.
The Evolution of Insurance Products
Claims significantly shape the evolution of insurance products, influencing both the specific loss situations covered and the markets or geographic areas insurers target. At a micro-level, claims trends may lead to exclusions in policy coverage, while at a macro-level, they determine insurers’ business interests.
Tips for Protecting Property in Winter Weather
With snowfall persisting this week and several more weeks of winter remaining, property owners are diligently clearing driveways, parking lots, and sidewalks. As snow accumulates, it’s crucial to monitor roofs and mitigate risks of damage from ice dams and excessive snow load weight while staying safe from a hazardous situation.
Snow Removal from Vehicles Laws
Neglecting to fully clear snow and ice from your vehicle’s roof and windows isn’t just risky but could lead to hefty fines and legal consequences. Please take the extra few minutes to make sure your car is properly cleared to protect yourself and others on the road.
Snow Load Alert…Protect Your Roof and Building
Property owners must manage snow accumulation on roofs during winter storms to prevent hazards. From clearing snow from vents to watching for structural weaknesses, taking proactive steps can safeguard against damage and potential accidents.
Where You Buy Workers Comp Can Make a Difference
The choice of where to obtain Workers’ Comp Insurance can impact your business. While classification rates are determined by the Commonwealth, individual insurance companies may offer modified or decreased rates for specific job classifications, potentially leading to cost savings.
Health Care Reform 2015 Compliance
The Affordable Care Act introduced numerous reforms in 2014, with additional provisions such as the shared responsibility penalty and related requirements set to take effect in 2015. The impact of these changes on your business hinges on the size of the employer group your company belongs to.
2014 Toys for Tots Success – Thank You!
Murphy Insurance Agency proudly celebrates the success of its Toys for Tots Drive, gathering 691 toys and securing a $200 cash donation through its Facebook® campaign. These efforts have spread joy to numerous children, embodying the agency’s commitment to compassion and generosity.