How can Murphy Insurance help my small business be more competitive? | Business FAQ

May 6, 2025|Business Insurance FAQ|business, business insurance, general business insurance

How Murphy Insurance Helps Your Business Stay Competitive: Smarter Insurance Strategies That Work

In today’s fast-moving business world, staying competitive means doing more than offering great products or services. You also need to manage your risks wisely, protect your assets, and make financially sound decisions that support long-term growth. At Murphy Insurance, we understand the pressure small business owners face—because we work with them every day.

That’s why we go beyond simply offering insurance policies. We partner with you to develop smart insurance strategies that align with your financial and operational goals, helping your business not just survive, but thrive.

Click here to submit an inquiry to Murphy Insurance or call us at 800 222 8711

Guidance. Knowledge. Value.

These three words define our approach.

Guidance – We take the time to get to know your business and help you assess the risks that could impact your operations.
Knowledge – We work closely with you to design a strategic insurance plan tailored to your specific needs.
Value – We offer competitive pricing while ensuring your coverage is both comprehensive and cost-effective.

Whether you’re looking to manage risks, protect key assets, or improve overall business resilience, our experienced team is here to help. And one of the ways we do that best is through our signature MENTOR Risk Assessment & Reduction Plan.

MENTOR Risk Assessment & Reduction Plan

At Murphy Insurance, we believe that insurance is more than just a policy—it’s a tool that can help your business thrive. That’s the philosophy behind our MENTOR Risk Assessment & Reduction Plan, a proprietary process designed to give you deeper insight into your business risks and help you build a strong foundation for protection.

A member of our Business Insurance Team will work with you to explore potential risks. We guide you through the process, helping you think about areas you may not have considered, and assign risk levels—low, medium, or high—based on your unique situation. Once we understand your risk profile, we offer customized strategies to reduce exposure and protect what matters most. From adjusting coverage to implementing preventive measures, we help you make smart decisions to improve your business resilience.

Why Risk Management Matters

In a competitive market, being prepared is everything. Businesses that proactively manage their risks are more agile, more confident, and better positioned for growth. Our team is here to help you think ahead, avoid costly surprises, and build a long-term strategy that supports your goals.

Why Choose Murphy Insurance?

Personalized Service – We take the time to understand your unique needs.
Risk Management Support – Helping you foresee potential risks before they become costly problems.
Proactive Business Protection – Offering strategies that support stability and growth.

If you’re ready to take the next step in making your business more competitive, we’re ready to help. Contact us today to learn more about our MENTOR Risk Assessment & Reduction Plan. Let’s work together to build a protection plan focused on managing risk that keeps your business competitive and secure.

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Massachusetts Enacts Pay Transparency and Pay Data Reporting Law

April 17, 2025

The new Massachusetts law, the Frances Perkins Workplace Equity Act, requires employers with 100 or more employees to provide pay data reports to the Massachusetts state secretary effective Feb. 1, 2025, and employers with 25 or more employees to disclose the pay range in job postings effective July 31, 2025.

Best Practices for Creating a Cybersecurity Culture

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6 Factors Driving Commercial Auto Losses

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Start the Year Right: 10 Business Insurance Tips

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Fostering a Culture of Workplace Safety

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Hosting Holiday Parties Responsibly: Tips for Personal & Business Gatherings

December 13, 2024

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Preventing Drowsy Driving

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Every year, the National Sleep Foundation organizes Drowsy Driving Prevention Week to raise awareness about the dangers of driving while fatigued.

Why Flood Insurance is Essential: Lessons from Hurricanes Helene and Milton

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The devastating impacts of Hurricanes Helene and Milton have shown that flood risk isn’t limited to coastal areas. These storms have highlighted a crucial gap that individuals and businesses need to be aware of: flood damage is generally not included in typical home, condo, renters, or commercial property insurance, making a separate flood insurance policy essential for true protection.

Defensive Driving to Avoid Deer Collisions

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MA Dept of Industrial Accidents New Notice Requirements

September 10, 2024

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The Value of Professional Liability Insurance

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Although most service professionals prioritize taking good care of their clients and providing them with the best possible guidance, mistakes can still happen. Fortunately, that’s where professional liability insurance can help.

Massachusetts Drivers Be Aware of New "Move Over Law"

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Recognize Spam and Phishing Emails

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How Distracted Driving and Texting Impact Your Auto Insurance Premiums

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Cyber Risk Exposure Scorecard: Assess your risk

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Exposing Double Brokering: Safeguarding Your Freight Against Deceptive Schemes

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In the landscape of global commerce, the logistics industry serves as the backbone ensuring that goods reach their destinations efficiently. Yet, amidst the complexities of this intricate network lies a threat known as double brokering, a freight fraud scheme that can leave companies vulnerable to financial loss and operational disruption.

The Crucial Role of Disaster Recovery Plans and Insurance Solutions in Protecting Your Business

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When preparing for disasters, the significance of comprehensive disaster recovery plans and understanding insurance solutions cannot be overstated. These two pillars serve as crucial safeguards, offering businesses resilience against unforeseen challenges and ensuring continuity in the face of adversity.

Compliance Reminders for Businesses

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Employers should regularly review their compliance with federal, state, and local employment laws. Here are some areas to keep in mind during 2024.

Covering Losses with Business Interruption Insurance

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Sole Proprietors and Partners Not Always Covered by Workers’ Comp

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Reducing Risks to your Business Vehicles

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Is Your Business Prepared to Survive a Disaster?

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Insuring Your Home-Based Business

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Cyber Risk…Cyber Security

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Workers’ Compensation Insurance: 3 Key Factors to Consider

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Cyber Liability Risk…Protect Your Business

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With growing digital threats, businesses using email, websites, or storing customer data face cyber liability risks. Learn how Cyber Liability insurance can help protect your business from costly breaches, lawsuits, and data loss.

Massachusetts Snow Removal Laws and Liability

January 9, 2024

Winter is underway and we’ve already had the first snow fall of the season. If you own residential or commercial property, it’s essential to understand your legal responsibilities regarding snow removal. The state you live in has laws that dictate snow removal and in many cases, your city or town may have local ordinances or by-laws that further define snow and ice removal responsibilities.

9 Tips For Buying and Saving on Commercial Auto Insurance

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Common Questions about Water Damage and Insurance Coverage

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Consequences of Late Insurance Payments

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3 tips for avoiding audit surprises part 2

3 Tips for Avoiding Audit Surprises – Business Insurance Audits

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Free Resources to Help Small Businesses Survive Severe Weather Events

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Understanding Insurance Audits – Business Insurance Audits

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How to Prepare for Hurricane Season

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Prepare ahead to mitigate the devastating effects of hurricanes, which not only pose a threat to property but also to lives. Starting preparations before the storm's imminent arrival is crucial, as waiting until a hurricane watch is issued might leave you with limited options for safeguarding.

Massachusetts Mulch Fires: Safety Laws and Safety Tips

June 1, 2023

As Spring arrives, it's crucial for property owners to remember the safety hazards associated with landscaping and mulch application. Improperly discarded smoking materials can easily ignite mulch, leading to hundreds of fires annually, some of which can quickly spread to nearby structures.

Do I Need Business Interruption Insurance?

May 16, 2023

While many prioritize property insurance for their business, the importance of contingency planning for temporary closures is often overlooked. Considering the potential impact of such closures is essential for business continuity and financial stability.

Employee Lawsuits and EPLI Protection

April 19, 2023

Employing one or more individuals increases the likelihood of facing an employee lawsuit, regardless of your business's size or structure. Small businesses, including family-run ones, are equally susceptible to such legal challenges as larger corporations.

Does your Business Comply with MA Independent Contractor Law?

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Is your business compliant with Massachusetts Independent Contractor Law (MICL)? Established in 1990 and expanded in 2004, the law imposes a strict "three prong test" for classifying workers, affecting various industries beyond construction. Failure to adhere to the MICL can result in significant penalties, including fines and potential imprisonment, making it crucial for businesses to assess and rectify any misclassifications promptly.

2022 Atlantic Hurricane Season Forecast to be ‘Above-Normal’

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The 2022 Atlantic Hurricane Season is expected to be "above-normal," with 19 named storms, 9 hurricanes, and 4 major hurricanes. Home and business owners are advised to review their insurance policies, especially for flood coverage, and prepare by securing properties and creating emergency plans.

Hurricane Season to Have ‘Above-Average’ Activity

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Forecasters predict an above-average 2021 Atlantic hurricane season, with 18 named storms, eight hurricanes, and four major hurricanes expected. Now is the time to review your insurance coverage and prepare your property for potential storm damage—contact Murphy Insurance for guidance.

Murphy Insurance Offices Open to Visitors on June 1, 2021

May 27, 2021

We are excited to announce that our offices are reopening on June 1, 2021, prioritizing visitor safety. Remote options are encouraged for efficiency, with limited in-person visits requiring appointments. Safety measures include mask requirements, social distancing, and hygiene protocols.

Free Business Continuation Planning: Free 30-minute Online Seminar: April 28, 2021

April 23, 2021

Murphy Insurance Agency, in partnership with First American Insurance Underwriters and Principal Financial Group, is offering a free 30-minute online seminar on business continuation planning. The seminar, held on April 28th from 10:00 AM to 10:30 AM, will cover essential topics such as protecting your business from the loss of a key employee, the importance of a Buy-Sell Agreement, and more. Register now by calling 508-787-5125 or online. All attendees will receive a complimentary business valuation from Principal Financial Group.

Toys for Tots 2020 Needs Your Help!

November 27, 2020

Due to the COVID-19 pandemic, our offices can't host our annual Toys for Tots toy drop-off. Despite this setback, we urge you to support Toys for Tots at local drop-off points. Consider making your donation early to ensure toys reach children in need by December 9th.

Tips for Workers’ Compensation Policyholders During COVID-19

September 2, 2020

Amid the upheaval of COVID-19, businesses face operational shifts and workforce changes. Maintaining precise payroll records for workers' compensation insurance is crucial, as it ensures accurate premiums reflecting altered operations and staffing during these challenging times.

COVID-19 Resources for Businesses

June 18, 2020

COVID-19 has forced businesses to adapt quickly and manage both operations and employee concerns. Explore helpful online resources from the Commonwealth of Massachusetts to stay informed and support your business through the crisis.

Massachusetts RMV Extends Designated Wednesday Appointment Hours for Customers 75 Years of Age or Older Through February & March

Murphy Insurance RMV Courier Services Resume

June 4, 2020

As of June 4, 2020, Murphy Insurance Agency has resumed its Registry of Motor Vehicles (RMV) Courier Services. However, the RMV is still facing restrictions on certain transactions and is not fully operational. As a result, we are experiencing significant delays and other challenges in processing.

Massachusetts Phased Reopening Starting May 18: No Immediate Changes to Agency Services

May 14, 2020

As Massachusetts begins its phased reopening, Murphy Insurance Agency’s services and hours remain unchanged, with offices still closed to visitors. Our team continues to assist customers remotely by phone, email, and online.

COVID-19 – Insurance Related FAQs

March 16, 2020

During COVID-19, Murphy Insurance remains open with closed offices. Our staff assists via phone, email, or online, adapting quickly to any mandated measures for seamless service. Reach out directly for prompt assistance and updates on operational changes.

COVID-19 Update: Agency is Open, but Offices Closed to Visitors

March 15, 2020

Murphy Insurance remains open to assist you by phone, email, and online, though all office locations are closed to visitors as of March 16 due to COVID-19 precautions. Please contact us for service or visit dfmurphy.com for updates.

COVID-19 Coronavirus Notice

March 13, 2020

Murphy Insurance is taking precautionary steps to protect customers and staff amid COVID-19. We encourage remote service options and ask that visitors avoid our offices if showing symptoms or recent exposure.

Toys for Tots Drive...Donate by December 11 1200x628

Toys for Tots Drive 2019 – November 25 – December 10, 2019

November 25, 2019

Murphy Insurance Agency is hosting its annual Toys for Tots Drive, collecting new, unwrapped toys for children ages newborn to 12. Drop off donations at any of our seven locations by Tuesday, December 10. Visit our Toys for Tots Resources Page for donation guidelines. Help make the holiday season brighter for local families in need!

Toys for Tots Drive 2019…Please Donate by December 10

November 20, 2019

Join Murphy Insurance in spreading holiday cheer by dropping off new, unwrapped toys, books, or homemade gifts at any of our seven locations for Toys for Tots. Remember, the deadline for donations is December 10th, ensuring the Marines have time to deliver them to families in need before the holiday season.

Building an Effective Employee Performance Review Process

August 12, 2019

Fall often signals performance review season for many businesses, a process sometimes dreaded due to its time-consuming nature or overdue discussions. Seeking to alleviate this, conversations with HR managers can offer insights into streamlining and improving the process for all involved.

Contributions to Massachusetts Paid Family and Medical Leave (PFML) Program – Delayed for 3 Months

June 19, 2019

Discover updates on the Massachusetts Paid Family and Medical Leave program: employer and employee contributions are delayed until October 1, 2019, and an adjusted contribution rate of 0.75% to ensure total funding for benefits from January 2021.

Understanding Business Owners Policies (BOPs)

June 18, 2019

A Business Owner's Policy (BOP) streamlines essential insurance for small businesses, offering property, liability, and business interruption coverage in one convenient package. However, eligibility hinges on factors like business size and revenue, with certain industries needing separate coverage due to unique risks.

Is Your Business Ready for MA Paid Family & Medical Leave Law Effective July 1, 2019?

May 9, 2019

Prepare for your new responsibilities under the Massachusetts Paid Family and Medical Leave (PFML) law, effective July 1, 2019. Stay informed about compliance requirements and calculation tools available on the Mass.gov website or through your payroll service provider.

Top 10 Small Business Property and Liability Insurance Claims

April 24, 2019

Small businesses are significantly likely to face property or liability claims, with burglary and theft ranking as the most common, while reputational harm emerges as the costliest. To mitigate risks, business owners can implement preventive measures tailored to each potential claim scenario, ensuring comprehensive protection.

What Do Women Business Owners Want? Credible, Accurate Insurance Advice

March 13, 2019

In recent decades, women have made significant progress in the business realm. Business insurance, emphasized by the Insurance Information Institute, is crucial for safeguarding their investments and assets.

Murphy Insurance joins The Institutes RiskBlock Alliance

September 14, 2018

Murphy Insurance Agency is excited to announce its membership in The Institutes RiskBlock™ Alliance, the insurance industry's first enterprise-level blockchain consortium. Along with 11 other companies, Murphy Insurance joins 30 members working to develop blockchain solutions that will reduce transaction costs, enhance customer experiences, and improve the speed and security of data transfers within the industry.

Top 10 Small Business Insurance Claims

September 4, 2018

An analysis by The Hartford reveals that four out of 10 small businesses may face property or general liability claims within the next decade, with burglary and theft being the most common. However, the most expensive claim for small businesses involves reputational harm, encompassing issues like libel, slander, and privacy violations.

RMV: Changes to the MA State Vehicle Markings Regulation 540 CMR 2:22

August 3, 2018

Effective September 1, 2018, revisions to MA State Markings Regulation 540 CMR 2:22 will come into force. Customers covered under a MA Auto Policy class 30, including plumbers, carpenters, electricians, etc., may be impacted by these changes.

E-Signature Via DocuSign Makes Doing Business With Us Even More Convenient

June 27, 2018

Murphy Insurance strives to enhance convenience, now providing electronic signature options through DocuSign for many personal insurance forms, streamlining your experience. DocuSign, a leader in e-signature technology, ensures efficient processing for your insurance needs.

Settling Insurance Claims After a Disaster

March 5, 2018

After a disaster, settling insurance claims can be daunting, but taking quick, informed steps can make all the difference. From contacting your agent to documenting damage and making temporary repairs, this guide outlines everything you need to know to get started and avoid costly pitfalls.

Who We Are…Learn a Little More About Murphy Insurance

February 27, 2018

Celebrating 80 years, Murphy Insurance's longevity speaks volumes about our dedication to customer care and satisfaction. To our existing customers, we extend our heartfelt gratitude for your continued trust and support.

Meet Our Toys for Tots Champion…Dawn Penzone

December 6, 2017

The 2017 Toys for Tots drive at Murphy Insurance is progressing smoothly as the donation collection deadline of December 11th approaches rapidly. For many years, Murphy Insurance has been a dedicated toy collection site in support of the Marines' Toys for Tots program, providing valuable assistance to children and families in need.

We’re Celebrating Our 80th…Stop by December 5th – 7th

November 29, 2017

It's hard to believe that we've been serving Massachusetts and beyond for 80 years! We feel lucky to be part of the community and are having appreciation days on December 5th - 7th.

Toys for Tots Drive 2017…Please Donate by December 11

November 24, 2017

Make the holidays brighter for children in need by participating in our Toys for Tots drive—drop off a new, unwrapped toy at any of our seven locations in Bolton, Groton, Harvard, Hudson, Marlborough, Mendon, and Medway by December 11th. Your contributions will support this meaningful cause, ensuring the Marines have ample time to distribute the gifts.

80 Years Young…80 Years Strong

September 22, 2017

In Fall 2017, we celebrated our 80th year in business, reflecting on the contributions of our customers, employees, family, and insurance company partners to our success. Gratitude is extended for the trust and relationships cultivated over the years, which have been integral to our journey.

In Case of a Flood

August 9, 2017

In the event of a flood, it is critical to protect yourself, your family, and your property. To do so, there are many preventative and protective measures you can take.

Update – Movie Filming in Downtown Hudson, May 2017

April 27, 2017

Excitement mounts in Downtown Hudson for the filming of "Who Do You Think Would Win?". Amid logistical adjustments in parking and sidewalk closures, Murphy Insurance assures customers of normal operations, offering assistance via phone or at alternative offices.

Hollywood Comes To Hudson…May 2017

April 18, 2017

It's official: Downtown Hudson, MA, will host the feature film "Who Do You Think Would Win?" Filming is set for May 1st to 3rd along Main Street and Washington Street, 7 AM to 10 PM. Despite downtown excitement, we're here to assist you; parking may require additional time, but options are available on side streets.

Cyber Risk: Threat & Opportunity

November 3, 2016

A recent white paper by Robert P. Hartwig, Ph.D., and Claire Wilkinson highlights the growing demand for cyber insurance as attacks increase in frequency and cost, with the U.S. market exceeding $3.25 billion in 2016. While insurers are expanding coverage and improving risk assessment, some experts warn that the scope of cyber threats may outpace the industry’s ability to underwrite them alone.

Summer Storm Resources to Help Mitigate Risks

August 11, 2016

Summer across the United States often brings a range of severe weather conditions, from hailstorms and thunderstorms to high winds, flooding, lightning, and tornadoes. Taking proactive steps to mitigate damage is essential, and ensuring you have appropriate insurance coverage can provide protection for both personal and business needs in unavoidable loss situations.

Pokémon Go App Takes Millions of Players to Exciting New Worlds; Insurance Can Help Make Those Worlds (and This One) Safer

July 19, 2016

Pokémon Go quickly gained global popularity, surpassing Twitter's user count in a matter of days, while also causing unintended consequences such as injuries and property damage, most of which are reportedly covered by insurance, according to the Insurance Information Institute (I.I.I.).

New Commercial Driver’s License and Learner’s Permit Standards Effective July 2016

June 20, 2016

For those holding a CDL or CLP, note the amended Commercial Driver License standards known as the "CDL Permit Rule," implemented by the Federal Motor Carrier Safety Administration (FMCSA). Starting in July 2016, the Massachusetts RMV will enforce this regulation.

MA Certificate of Insurance Law Update — Chapter 175L

March 28, 2016

Enacted in 2015, Massachusetts MGL Chapter 175L reinforces that certificates of insurance cannot modify policy terms. Despite this clarification, many businesses and clients still misunderstand the law, leading to ongoing compliance challenges.

Protect Your Business Data From Privacy and Cyber Threats

March 20, 2016

Data security and privacy remain paramount for businesses across all scales due to the diverse sources of cyber attacks and data breaches. These threats encompass both external criminals and internal factors, necessitating protection against various risks such as document loss, employee misconduct, and online intrusions. Implementing a three-pronged approach is essential for safeguarding private information.

Be Aware of Uber and Airbnb Insurance Gaps

February 19, 2016

Earning from services like driving for Uber or renting out your home on Airbnb can be appealing, but standard personal auto and home insurance policies do not provide coverage for these activities, potentially leaving you exposed to significant gaps in coverage in the event of an accident. It's essential to explore specialized insurance options tailored to these ventures to ensure adequate protection for your assets and liabilities.

Managing Insurance Costs…Understanding Deductibles, Frequency and Severity

February 15, 2016

Effectively managing insurance costs extends beyond coverage limits, options, and premiums; it includes evaluating the deductibles you're comfortable paying out of pocket.

Murphy’s Corner…Delivering Value For You

February 12, 2016

If you haven't heard it often, we want to express our sincere gratitude for your business. Choosing Murphy Insurance means entrusting us with safeguarding what matters most in your life, whether personal, business, or both, and we are committed to delivering excellent value consistently.

Get Proper Protection for your Home Business

January 12, 2016

With the accessibility of affordable technology, home-based businesses are on the rise. However, operating a business from home alters the risk factors and characteristics of your residence in the eyes of your homeowners insurance provider.

Are You Covered When You Borrow Someone’s Car?

December 29, 2015

Borrowing or driving a friend's car is common, yet we often overlook coverage considerations. It's important to be aware of exclusions and conditions in auto policies, particularly regarding "regular use" and "business use" coverage issues.

Exercise Care on Freeways

November 5, 2015

Automobile accidents are a leading cause of death in the United States, especially among children and young adults, as reported by the National Highway Traffic Safety Administration. Many of these fatalities occur on freeways and highways, due to the high speeds involved.

It’s Peak Hurricane Season…Are You Financially Prepared?

October 8, 2015

Excerpt: Flood preparedness goes beyond securing your home—it also means being financially ready. Many property owners underestimate their flood risk and the costs associated with flood damage. Investing in flood insurance and using tools like the Interactive Cost of Flooding Tool and the Animated Flood Risk Scenario Tool can help you assess potential impacts. Stay informed and take proactive steps to protect your family and finances before disaster strikes.

MA Workers Comp Payroll Basis for Sole Proprieters & Partners, effective October 1, 2015

October 6, 2015

The Workers Compensation Rating and Inspection Bureau of Massachusetts (WCRIBMA) has introduced new payroll determinations for sole proprietors, partners, and LLC members, impacting premium calculations. Based on the Statewide Average Weekly Wage (SAWW), premiums are now determined by a formulaic approach, affecting new and renewal workers' compensation business from October 1, 2015.

MassRMV: FasTrack License Renewal Self-Service Kiosks

August 18, 2015

FasTrack service is available at select MA RMV branches, including Boston’s Haymarket, Worcester, Springfield, and more. This self-service kiosk allows eligible customers to take their own photo, complete transactions quickly, and receive a temporary credential, with the permanent license or ID mailed to their address.

Headlight & Windshield Wiper Law No Longer a Surchargeable Offense – July 17, 2015

July 17, 2015

A new law eliminates the surchargeable offense for not using headlights with windshield wipers. Though using headlights and taillights with wipers remains mandatory and enforceable, receiving a ticket won't affect your driving record or insurance premium.

CT Passes Data Breach Notification Legislation

July 7, 2015

A new Connecticut law mandates that consumers be notified of a data breach within 90 days of discovery and requires at least one year of free identity theft protection for breaches involving Social Security Numbers. Attorney General George Jepsen emphasized that his office will continue to scrutinize breaches and take enforcement action against companies that unreasonably delay notification, even if they comply with the 90-day limit.

Earned Sick Time Law Effective July 1, 2015

June 16, 2015

Earned Sick Time Law Effective July 1, 2015

June 16, 2015

Massachusetts voters approved the Massachusetts Paid Sick Days Initiative on November 4, 2014, granting employees the right to earned paid sick leave. Effective July 1, 2015, the Earned Sick Time Law applies to most employers, though businesses must honor existing contracts or collective bargaining agreements with more generous leave policies.

Mapfre|Commerce is Now Just Mapfre

May 13, 2015

Murphy Insurance Agency has worked closely with Mapfre|Commerce Insurance for decades. As Commerce Insurance transitions to the Mapfre brand, we want to reassure our customers that this change will not impact their insurance coverage. Feel free to reach out with any questions or concerns.

Data breach & cyber liability: Real risks in a virtual world

Data Breach and Cyber Liability: Real Risks in a Virtual World

May 11, 2015

In the modern business environment, companies storing customer data and utilizing technology must remain vigilant against the potential risks of cyber/data breaches. Those providing technology services or accessing third-party data need to exercise heightened diligence as their exposure extends beyond their immediate clients to encompass all customers of those clients.

Murphy Insurance Renews 5-Star Designation

April 10, 2015

Murphy Insurance Agency has once again earned the prestigious Five Star Agency Designation, reaffirming its commitment to excellence. After an intensive review process, the Massachusetts Association of Insurance Agents (MAIA) announced that Murphy Insurance has proudly held this designation since 1999.

New MA Law Requires Use of Headlights Effective April 7, 2015

April 1, 2015

A new law passed, effective April 7, 2015, mandating drivers to activate headlights and taillights alongside windshield wipers. Non-compliance with this regulation constitutes ticketable and surchargeable offenses, potentially leading to increased insurance premiums.

10 Things You Should Know About Insurance

March 25, 2015

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.

The Evolution of Insurance Products

February 18, 2015

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.

Snow Load Alert…Protect Your Roof and Building

January 26, 2015

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

January 16, 2015

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

December 29, 2014

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!

December 21, 2014

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.

Privacy Breach & Data Security: An Issue for Every Business

December 11, 2014

2014 has been dubbed "The Year of the Data Breach," highlighting the growing risk of privacy violations for businesses of all sizes. Data breaches can cost companies millions, with the Target breach alone costing $148 million. Beyond direct costs, breaches can severely damage a company’s reputation and lead to lost sales.

New OSHA Requirements for Reporting Severe Injuries Effective January 1, 2015

December 4, 2014

Starting January 1, 2015, OSHA introduces stringent regulations for reporting and recording severe work-related injuries or fatalities, aiming to bolster workplace safety. With 4,405 workplace fatalities in 2013 alone, the initiative targets proactive prevention measures and employer accountability to curb such incidents.

Good Managers Don’t Get Sued…Right?

September 10, 2014

Most managers gauge their legal vulnerability by their perceived competence as leaders, assuming that treating employees well shields them from lawsuits. However, if a firm has more than two employees excluding spouses, legal risks arise regardless of managerial perception.

Tricia Gervasi…new Human Resources Manager

September 8, 2014

Tricia Gervasi has joined Murphy Insurance Agency as the new Human Resources Manager. With over 20 years of experience and a Professional in Human Resources (PHR) certification, Tricia will be responsible for developing HR strategies, including recruitment, employee relations, compensation, benefits, performance management, and ensuring regulatory compliance for the agency.

New Employer Requirements Related to Health Insurance and ACA

August 20, 2014

Federal regulators have updated model COBRA and CHIP notices to clarify coverage options under the ACA and premium assistance programs. Employers must ensure compliance by updating their notices, which are available at www.dol.gov/ebsa.

Is Insurance a Commodity?

August 19, 2014

If you focus mainly on price when buying insurance, it might feel like a commodity. However, overlooking active participation and treating insurance protection as an afterthought could diminish its role as a strategic tool for safeguarding your bottom line.

Target Data Breach

February 21, 2014

Two months after Target revealed a massive data breach affecting 40 million debit and credit card accounts, the financial repercussions are becoming evident. The rising costs tied to this breach highlight the growing concerns about cybersecurity and its impact on businesses and customers alike.

CDL Self-Certification Deadline Extended to April 30, 2014

January 27, 2014

The MassDOT RMV has extended the deadline for CDL holders to submit self-certification information and a copy of the US DOT Medical Certificate to April 30, 2014, in accordance with Federal Motor Carrier Safety Administration requirements.

Commercial Drivers License – Self Certification Deadline January 30, 2014

January 6, 2014

As per 2012 Federal and State mandates, Commercial Driver's License holders must notify their state's RMV about their commerce type (interstate or intrastate) and medical certificate necessity. All CDL holders must self-certify by January 30, 2014, to comply with these requirements.

MA Dept of Industrial Accidents Requiring Electronic Filing of All First Reports of Injury by Jan 1, 2014

December 19, 2013

Starting January 1, 2014, the Massachusetts DIA requires all Form 101 First Reports of Injury (FRI) to be submitted electronically—paper copies will no longer be accepted. Employers can submit forms via secure file transfer or through the DIA website with an authorized online account. While this change affects submissions to the DIA, the process for notifying Murphy Insurance or your insurance company remains the same. To avoid delays, businesses should apply for a DIA Online Account as soon as possible.

Our Toys for Tots 2013 Toy Drive Supports Positive Role Models

November 22, 2013

Murphy Insurance Agency is proud to kick off its Toys for Tots initiative this holiday season, aiming to support children and families in need within the community. Studies highlight the impact of poverty on children, and initiatives like Toys for Tots serve as vital forms of passive mentoring, delivering messages of hope and positive role modeling through the generosity of donors and the Marines who distribute these toys.

Hurricane Sandy One Year Later

October 29, 2013

Hurricane Sandy struck the East Coast on October 29, 2012, causing widespread devastation. A year later, coastal communities were still grappling with the aftermath, with many families and businesses facing ongoing challenges in rebuilding and financial recovery.

Flood Insurance Reform may Significantly Increase Premiums for Some Property Owners

September 23, 2013

As of October 1, 2013, changes to the National Flood Insurance Program (NFIP) under the Biggert-Waters Flood Insurance Reform Act are being phased in. These reforms aim to make the program more financially stable by phasing out subsidized rates and aligning premiums with actual flood risk. Not all policyholders will be affected immediately, but rate increases—especially on secondary homes, businesses, and repeatedly flooded properties—are underway. Be informed and prepared if you own property in a flood-prone area.

Affordable Care Act Employee Notification Required by October 1, 2013

August 15, 2013

With an impending deadline under the Affordable Care Act, all employers are required to inform current employees about their options through the Exchanges by October 1, 2013. Subsequently, employers must provide notices to all new employees after this date.

Hurricane Season is Here. Be prepared.

June 20, 2013

With the threat of an active hurricane season looming, now is the time to review your insurance coverage and prepare your property. Don’t wait until a storm is imminent—protect your home or business from wind and flood damage before it’s too late.

Lessons From Sandy…Get Flood Protection

March 26, 2013

Sandy's impact was devastating, with flood waters inflicting the most severe damage. Standard insurance policies typically don't cover flood-related losses, necessitating a separate flood insurance policy. Despite the risk, many opt out due to cost concerns or underestimation of the potential threat.

Social Media...Keeping Your Business Connected

Keep Your Business Connected with Social Media

March 7, 2013

Social media serves as a cost-effective tool for businesses, crucial for sales, marketing, and customer communication. Its evolution is inevitable, solidifying its permanence in the business landscape, emphasizing the necessity of active participation to avoid being left behind.

2012 Toys for Tots Success…Thank You!

December 19, 2012

Murphy Insurance Agency celebrates a triumphant outcome from its annual Toys for Tots Drive, amassing over 700 toys across its seven office locales. This achievement underscores the profound impact of the collective generosity exhibited by our cherished customers, committed employees, and the thriving community we are privileged to be part of.

Toys for Tots Drive 2012 at Murphy Insurance

November 22, 2012

Murphy Insurance Agency invites you to join us in our annual Toys for Tots Drive, which supports children and families in need this holiday season. With donations of new, unwrapped toys for children aged newborn to 12, let's continue the tradition of spreading joy through the 64th year of the U.S. Marine Corps Reserve Toys for Tots program.

Get Your Coverage Updated Well Before a Storm

Insurance Claim Tips For After The Storm

October 29, 2012

After Hurricane Sandy passes, it'll be crucial to assess the damage. To streamline the claims process for property or vehicle damage caused by the storm, consider implementing these helpful tips.

75 Years Strong

October 18, 2012

Celebrating our 75th year in business in 2012 is truly remarkable. Reflecting on the vast changes within our agency and the insurance industry since then, my father, Frank, would undoubtedly be amazed.

Managing Workers’ Comp Costs

October 6, 2012

Discover essential tips for managing Workers’ Comp Insurance costs: Obtain Certificates of Insurance from subcontractors and ensure proper classification codes are used. Separate overtime from regular pay to avoid inflated premiums and stay under allowed salary caps. Don't overlook unanswered questions, and explore competitive insurance programs for cost management.

Hurricane Emergency Storm Planning

June 25, 2012

Running from June through November, the Atlantic hurricane season is expected to bring 9 to 15 named storms, according to NOAA. Even if you're not on the coast, high winds and flooding can cause serious damage inland. Now is the time to review your emergency plans and confirm you have the right insurance coverage—including flood and business interruption protection—before a storm is on the radar.

Murphy Insurance Honored with Family Business Award

June 15, 2012

Murphy Insurance Agency proudly accepts the 2012 Central Massachusetts Family Business Award, recognizing the collective effort of its dedicated staff and the trust of loyal customers. CEO Dennis F. Murphy, Jr. expresses gratitude for the agency's success, attributing it to the entire team's hard work.

Is Your Business in Compliance with Massachusetts Personal Information Privacy Laws?

May 7, 2012

Learn about the Massachusetts law, MA 201 CMR 17, enacted on March 1, 2010, mandating written information security procedures for entities handling personal data. Noncompliance risks reputation damage and hefty penalties, highlighting the importance of understanding and adhering to these regulations.

Wayside Inn Antiques Show co-sponsored by Murphy Insurance

April 18, 2012

Insuring Antiques and Fine Art

April 5, 2012

Whether you possess family heirlooms or are a dedicated collector of antiques and fine art, understanding how your insurance protects these valuables is crucial. Regardless of the size of your collection, you might be surprised by the accumulated value of your possessions over the years.

Don’t Be In The Dark About Business Interruption Coverage

March 16, 2012

Aside from power outages, businesses face risks like fire and weather-related disasters, disrupting operations for extended periods. Business interruption and extra expense insurance offer a crucial means to mitigate potential financial losses in such scenarios.

Murphy Insurance Employees Receive AAI Designations

February 1, 2012

Murphy Insurance is proud to announce that five members of their team have been approved for the designation of Accredited Advisor in Insurance (AAI). This designation encompasses three rigorous courses focused on customer risk management, demonstrating a solid commitment to customer service. It offers comprehensive insights into business, law, finance, marketing, sales, insurance coverage, and agency operations.

Murphy Insurance Agency Re-Certified as Five Star Agency

January 19, 2012

Murphy Insurance Agency, which serves multiple communities, proudly retains its Five Star Insurance Agency status, reflecting its commitment to excellence across key imperatives, including customer focus and community engagement. With only 28 agencies in Massachusetts holding this distinction, their achievement is commendable.

Ban On Hand-Held Phone Use by Commercial Drivers Begins January 3, 2012

December 28, 2011

Starting January 3, 2012, a US Department of Transportation rule prohibits interstate truck and bus drivers from using hand-held cell phones while driving. This regulation carries strict penalties for both drivers and businesses, making it crucial for commercial vehicle operators to understand its implications.

2011 Toys for Tots Success…Thanks!

December 27, 2011

Murphy Insurance Agency is overjoyed to share the triumph of its Toys for Tots Drive, gathering an impressive 453 toys through the heartfelt contributions of customers, employees, and the community. In addition, the agency's collective donation of $630 further bolstered the initiative, ensuring a brighter holiday season for numerous children, with businesses also lending their support through mini toy drives, exemplifying the power of unity in spreading joy.

Toys for Tots 2011 – Drop Off Toys at Murphy Insurance

December 10, 2011

Murphy Insurance Agency is spreading holiday cheer with its Toys for Tots Drive at seven locations, urging the community to support needy families. With CEO Dennis F. Murphy Jr.'s personal Marine Corps background as the inspiration, the agency aims to make a difference for children facing financial challenges this year.

D. F. Murphy Insurance Agency Supports Small Business Saturday®

November 22, 2011

D.F. Murphy Insurance Agency, in partnership with Travelers, proudly announces its support for American Express' second annual Small Business Saturday®. This day aims to spotlight the vital role small businesses play in strengthening communities nationwide.

Data Breach: Are You Protected?

September 23, 2011

Since January 2010, over two million Massachusetts residents have been impacted by data breaches, with 25% attributed to deliberate hacking and 15% involving theft of credit card numbers. The recent Sony breach exposed personal data of over 100 million customers, illustrating the pervasive threat of cyber attacks across businesses of all sizes.

Murphy Insurance Employees Receive CISR Designations

September 23, 2011

Murphy Insurance is proud to announce that two team members have been approved for Certified Insurance Service Representative (CISR®) designation. The CISR designation, conferred by the Society of CISR, a non-profit organization affiliated with The National Alliance for Insurance Education & Research, entails completing five challenging courses and examinations, emphasizing comprehensive risk analysis and ongoing professional development through annual continuing education.

Murphy employees receive CISR designations

September 23, 2011

Murphy Insurance Agency is pleased to announce that Lee Preville, Personal Insurance Associate in Groton, and Patricia Kelleher, Commercial Insurance Associate in Harvard, have been awarded the Certified Insurance Service Representative (CISR®) designation.

Welcome to the Murphy Insurance Blog!

August 17, 2011

Welcome to our blog, where insurance meets real life without the jargon. We aim to simplify insurance topics, offering personal and business coverage insights and guidance. With a dedicated team, we're here to share valuable information and engage with our readers. Stay tuned for updates!

Cyber Thieves Target Small Firms

July 27, 2011

The Wall Street Journal recently highlighted that cybercriminals increasingly target small businesses, with 482 out of 761 attacks in 2010 hitting companies with fewer than 100 employees. To protect your business, consider cyber liability insurance.

Michael Murphy elected Vice Chairman of Marlborough Hospital

April 4, 2011

Michael D. Murphy, president of D. Francis Murphy Insurance in Hudson, has been appointed vice-chairman of the Marlborough Hospital board. With over 20 years of experience in the insurance industry, Murphy has been a dedicated member of the hospital's development committee since 2005 and a board member since 2008. He has also served on the Marlborough Economic Development Council and the Boys and Girls Club of MetroWest. His leadership and experience will be invaluable as the hospital expands its services to the community.

Business Continuation Lessons from Japan Disaster

March 8, 2011

The Japan earthquake and tsunami highlight the importance of protecting your business from supplier disruptions. While standard business interruption insurance covers damage to your facility, contingent business interruption insurance covers losses if a key supplier is affected. Manufacturers and other businesses should consider this additional coverage. Contact Murphy Insurance to learn more about how we can help protect your business.

Millikin joins Business Team at Murphy Insurance

February 25, 2011

Murphy Insurance Agency is pleased to welcome Maria Millikin as a Sales Executive in our Groton office. With seven years of experience in the insurance industry, including roles at Willis Group and Liberty Mutual, Maria specializes in helping businesses of all sizes, with a focus on the unique risks faced by health care organizations.

Understanding ACORD Certificate of Liability Insurance Changes in 2011

January 11, 2011

If your company needs to provide proof of liability insurance for business purposes, you’ve likely requested a standard ACORD Certificate of Liability Insurance. The insurance industry now uses an updated version (ACORD 25), which includes language changes that may affect you.

Murphy Insurance is a Toys for Tots drop-off location

December 20, 2010

Murphy Insurance Agency is proudly sponsoring a Toys for Tots Drive at its seven locations in Bolton, Groton, Harvard, Hudson, Marlborough, Mendon, and Medway. We invite the community to join us in supporting families in need this holiday season by donating new, unwrapped toys for children of all ages.

Cyber Liability…A Growing Concern for Businesses

May 10, 2010

If your business uses email, a website, or stores data electronically, it likely faces cyber risks. Cyber Liability insurance helps protect against those risks. Call Murphy Insurance at 800-222-8711 to learn more.

New Lead Paint Removal Regulations in Effect April 22, 2010

May 10, 2010

As of April 22, 2010, a new EPA law mandates that any renovations in homes or child-occupied facilities built before 1978 be carried out by certified contractors or renovators to prevent lead exposure.

New Massachusetts Commercial Motor Vehicle Inspection Requirements 2008

March 5, 2010

Since October 1, 2008, an annual enhanced Massachusetts Commercial Motor Vehicle Inspection has been mandated for single, full, or semi-trailers exceeding 3,000 pounds GVWR, as well as commercial vehicle/trailer combinations over 10,000 pounds GCVWR, and heavy-duty motor vehicles exceeding 10,000 pounds GVWR, including converter dollies.

Large Fines for Non-Compliance with Federal Regulations Recently Adopted by the MA DOT

February 17, 2010

The Commonwealth has adopted the majority of the Federal Motor Vehicle Safety Regulations as its own. We've had reports that a number of Massachusetts-only businesses have been stopped and ticketed for non-compliance with these new regulations promulgated by the MA DOT regarding commercial vehicles. Fines for non-compliance can be huge.

Workers’ Comp Requirements for Out of State Work: NH Enforcement Change

February 5, 2010

Are you crossing state borders for work? Ensure your Workers’ Compensation policy covers all workplaces to avoid penalties. Discover why Item 3A is crucial in your policy and learn from recent enforcement actions in New Hampshire, shedding light on state-specific compliance challenges.

Massachusetts Drivers Be Aware of New “Move Over Law”

February 4, 2010

Starting March 22, 2009, the Move Over Law aims to safeguard police, firefighters, tow truck drivers, and roadside workers. Drivers must switch to the adjacent lane or reduce speed when approaching a stationary vehicle with flashing lights, ensuring safety on the road.