If you’re changing jobs it can affect your life in a variety of ways and may require changes to insurance.  Here are some items to consider:

Auto

If you will be using your own vehicle for business purposes or transporting clients, you need to be clear if your personal insurance or your employer’s business insurance will cover your liability if an accident occurs. Also, if you are significantly shortening your commute or taking public transportation regularly, you may qualify for discounts.  If you get a company car, it can impact coverage needs.

Home

If your new job means working from home and you are provided with office equipment, the company’s insurance should cover those items.  However, if you are a consultant or self-employed, or meet clients or vendors in your home, a standard home policy does not cover business activities and business equipment. If a business is run out of a garage or other building on your property, you definitely need additional coverage.

Life

Your family depends on your income, so they need protection.  If you had employer provided group life insurance through your previous employer, be sure to determine if your new employer offers such a plan.  If you had purchased additional coverage through the group plan, determine if you can convert it into an individual policy.  It’s wise to consider getting your own coverage that will always remain in place and regardless of where you work.

Disability

Another income protection concern is… what happens if you are injured or become ill and cannot work either temporarily or permanently?  Disability insurance covers a portion of your salary often up to 70%.  Discuss with your employer if they offer this protection and if so how much.  Depending on what they offer, you may want to purchase your own individual policy for better protection.

Retirement

Do you have a 401(k) plan or other type of retirement plan? It’s important to know what accounts are portable and determine if you need to make any moves. Depending on the circumstances, it may make sense to roll your account into another retirement for safety or better investment options.

Read Other Blog Posts

College Students 1200

Headed to College? Don’t Forget About Insurance

Whether it’s freshman year or senior year, sending a student off to college is a big deal. Between class schedules, dorm shopping, moving day, and maybe a few emotional goodbyes, there’s a lot going on. With so much happening, it’s easy to overlook things like insurance. But here’s the thing: insurance should definitely be on your college checklist, because being covered can save you time, money, and major stress down the road.
Kitchen

Smoke Detector Maintenance: Keep Your Home and Family Safe

Smoke detectors are one of the most vital tools for protecting your home and family, but they only work if they’re properly maintained. In this post, we’ll cover how to choose the right smoke detectors, where to place them, and how to keep them in working condition through regular testing and battery replacement. A few simple steps can make all the difference in a fire emergency.
Life Insurance in Groton, MA Protecting What Matters with Murphy Insurance

Life Insurance in Groton, MA: Protecting What Matters with Murphy Insurance

For families and individuals in Groton and surrounding communities, life insurance from Murphy Insurance offers more than peace of mind—it provides a solid foundation for long-term financial security. Whether you’re safeguarding loved ones, covering debts, or planning for the future, our personalized life insurance solutions are designed to fit your goals and budget. From affordable term life to permanent protection and full-service planning, our Groton-based team is here to help you protect what matters most with trusted guidance, top-rated options, and local expertise.
Flood Insurance May Be Critical to Safeguard Your MetroWest, Massachusetts Home

Flood Insurance May Be Critical to Safeguard Your MetroWest, Massachusetts Home

Flooding isn’t just a coastal problem—it’s a growing concern across MetroWest, Massachusetts. Whether you live in Framingham, Hudson, or Hopkinton, you may be surprised to learn your home is at risk. Learn how flood insurance can help protect your property from the damage that standard homeowners’ policies don’t cover.
Roundabout

Safe Driving Saves Money on Your Automobile Insurance

For better or worse, your automobile insurance premium is a direct result of your driving record. While you can’t always prevent every accident or control what happens on the road, safe driving is one of the most powerful tools you have to protect both yourself and your finances. Keep reading to learn how maintain a safe driving record can lower your premium, and—as a result—protect your wallet.
Car driving

Buying a Car? Don’t Forget the Insurance Quote First!

Shopping for a new car can be exciting, but it’s crucial to check in with your agent before finalizing your purchase. Not all vehicles are created equal when it comes to insurance costs. Two cars might look similar on the outside, but one could cost you hundreds more per year to insure.
Shovel

Digging on Your Property? Here’s Why “Dig Safe” Should Be Your First Step

Under federal and state law, all homeowners and contractors are required to notify the appropriate utility companies before doing any excavation work. Keep reading to learn more about the standards for digging on your property.
What You Need to Know About Condominium Insurance in Groton MA

What You Need to Know About Condominium Insurance in Acton, MA

If you own a condo in Acton, MA, don’t assume the condo association’s master policy fully protects you. That policy typically covers the building’s exterior and shared spaces, but not the inside of your unit. Without your own Condominium Insurance, you could be on the hook for costly repairs to your walls, floors, or fixtures and replace personal belongings damaged by fire, water, or theft. It’s essential protection that helps ensure you’re not left paying out of pocket when the unexpected happens.
Sparkler 1200

Summer Fun and 4th of July Safety: Celebrating Smart

Summer is a time for BBQs, fireworks, family gatherings, and making the most of long days. Whether you’re heading to the beach, firing up the grill, or watching fireworks with the kids, safety should always be part of your celebration plans. After all, the best memories are the ones made without unexpected trips to the ER. Here’s a quick guide to help you enjoy your Independence Day and summer activities — while keeping everyone safe and sound.

Visit Our Personal Insurance Page

Personal Insurance

Life is an ever-changing journey, and it deserves a thoughtful, comprehensive plan to protect the things and people that matter most. Our dedicated team at Murphy Insurance is here to assist you in creating that plan. With a wide range of product options at our disposal, we ensure that your plan is tailored precisely to your requirements. Our commitment to providing clear, intelligent guidance to help you achieve true peace of mind. Learn more about our personal insurance portfolio.