Pollution Liability: The Most Overlooked Coverage Your Business Might Need

/0 Comments/in /by

Many business owners assume their general liability or property insurance covers everything, but pollution-related risks are often excluded. Pollution liability insurance helps fill that gap, covering cleanup costs, lawsuits, and damages from environmental incidents. From contractors and manufacturers to auto shops, property owners, and agricultural businesses, many industries face hidden pollution exposures. Without this protection, a single spill, leak, or contamination event could cost hundreds of thousands of dollars.

Read more

How to Make Workers’ Comp Audits Less Stressful: Tips from Our Business Account Managers

/0 Comments/in /by

Workers’ Compensation audits don’t have to be overwhelming. With some simple year-round preparation, you can avoid unexpected costs and reduce stress. Our Business Account Managers share practical tips to help you stay organized, document subcontractor details properly, and keep your policy up to date—so audit time goes smoothly.

Read more

27 Reasons to Work with Murphy Insurance Agency

/0 Comments/in , /by

For more than 88 years, Murphy Insurance Agency has been a trusted partner for families, individuals, and businesses across Massachusetts. As a family-owned and independent agency, we prioritize relationships over transactions, offering guidance and support tailored to your needs. With access to more than 25 top-rated carriers, we deliver personalized solutions, competitive options, and peace of mind. Discover 27 reasons why thousands have chosen Murphy Insurance to protect what matters most.

Read more

What Is Professional Liability Insurance—and Does Your Business Need It?

/0 Comments/in /by

General liability insurance won’t protect your business from claims tied to mistakes, missed deadlines, or professional advice gone wrong. That’s where professional liability insurance—also known as Errors & Omissions (E&O) coverage—steps in. It covers negligence, inaccurate advice, project delays, and the legal costs that come with client disputes. From consultants and IT professionals to architects, real estate agents, and accountants, this coverage is essential for anyone providing specialized services.

Read more

5 Workplace Safety Trends to Watch in 2025

/0 Comments/in /by

While certain elements of occupational safety remain constant, others may change and evolve over time. As such, it’s essential for employers to stay on top of the latest workplace safety trends and adjust their risk management strategies accordingly. Several factors have been influencing the occupational safety landscape this year, including advances in technology, rising mental health concerns, ongoing remote work challenges, a growing connection between sustainability and safety, and shifting corporate culture expectations. This article provides more information on these trends and offers guidance to help employers properly navigate such developments.

Read more

5 Risks of Hiring an Uninsured Contractor

/0 Comments/in /by

Project owners and general contractors must thoroughly vet all contractors to ensure jobsite safety and protect against financial losses. A key part of this vetting process is confirming that contractors carry the appropriate insurance coverage. Hiring uninsured contractors can lead to serious consequences, including safety risks, legal liabilities and unexpected costs. Here are five major risks of hiring uninsured contractors that highlight why adequate insurance is essential.

Read more

Medicare Part D Notices Are Due Before Oct. 15, 2025

/0 Comments/in /by

Plan sponsors must provide the annual disclosure notice to Medicare-eligible individuals before Oct. 15, 2025—the start date of the annual enrollment period for Medicare Part D. This notice is important because Medicare beneficiaries who are not covered by creditable prescription drug coverage and do not enroll in Medicare Part D when first eligible will likely pay higher premiums if they enroll at a later date.

Read more

OSHA’s Safe and Sound Week Runs From August 11-17, 2025

/0 Comments/in /by

More than 5,000 workers are killed on the job each year, and more than 3.6 million employees are seriously injured each year while at work. Because of this, OSHA holds a nationwide event each August called Safe and Sound Week, which promotes the importance of companies incorporating safety and health programs into their workplaces. This year, the event runs August 11-17, 2025.

Read more

Business Spotlight: Hudson Family Dental Providing Modern Dentistry in the Heart of Hudson

/0 Comments/in /by

Hudson Family Dental has been providing modern, compassionate dentistry in Hudson, MA since 1988. With cutting-edge technology and a team dedicated to personalized care, they’ve earned the trust of local families for generations. Learn how this Main Street practice blends innovation with community values—and why Murphy Insurance is proud to call them a client.

Read more

Employee Benefits SAR Is Due by September 30 for Calendar Year Plans

/0 Comments/in /by

Many employers that must file Form 5500 on behalf of their employee benefit plans must also provide plan participants with a summary annual report (SAR). The SAR is a summary of the information included in the Form 5500. Employers with plans that operate on a calendar year basis must provide the SAR by Sept. 30

Read more