How does insurance relate to risk management? | Business FAQ

April 4, 2025|Business Insurance FAQ|analyzing risk, business, business insurance, general business insurance, risk management

Risk management is a crucial aspect of running a successful business. At Murphy Insurance, we help business owners identify potential financial and property risks and develop strategies to mitigate them effectively.

What is Risk Management

Risk management involves recognizing the factors that could pose threats to your business and determining the best ways to navigate those risks. It’s about being proactive rather than reactive, ensuring your business remains stable and prepared for uncertainties.

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The Role of Insurance in Risk Management

While insurance is a key component of any risk management strategy, it is not the only solution. A comprehensive risk management plan includes:

Identifying potential risks – Assessing financial, operational, and property-related threats.
Developing strategies to mitigate risk – Implementing policies and practices to minimize exposure.
Utilizing insurance wisely – Ensuring you have the right coverage to protect your assets without unnecessary expenses.
Monitoring and adjusting the plan – Regularly reviewing risks and making necessary updates.

How Murphy Insurance Can Help

We work closely with businesses to develop customized risk management strategies that go beyond just purchasing an insurance policy. Our team helps you:

Understand your risk exposure and how it affects your business operations.
Implement best practices to reduce potential threats.
Select tailored insurance coverage that fits your unique business needs.

By taking a strategic approach to risk management, we help businesses minimize financial loss and ensure long-term success.

Please contact us if you have recently experienced any of these events or anticipate them soon. We will help you evaluate your insurance and financial needs and provide solutions.

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

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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.