Show Your Personality | Small Business Tips

May 6, 2026|Small Business Tips|Small Business Tips, business, business insurance, commercial insurance

Small Business Tip #10

In a crowded marketplace, people do not just connect with products. They connect with people. Showing the personality behind your business is one of the most effective ways to stand out and build trust. Whether you are a solo entrepreneur or part of a small team, giving a glimpse into what happens behind the scenes creates a sense of authenticity that is hard to ignore.

From day-to-day operations to milestone celebrations, letting your audience in on the human side of your business reminds them there are real people behind the brand. It helps you appear approachable, relatable, and trustworthy, which are qualities that influence purchasing decisions and long-term loyalty.

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

Make It Personal and Memorable

You don’t need to be a marketing expert or social media influencer to show personality. Start small: a photo of your team at work, a quick video of how your products are made, or even a story about why you started your business. These personal touches add depth to your brand and give customers something to connect with beyond the services you offer.

Here are a few ideas to help you bring more personality into your content:

Show your team – Highlight the people who make your business run
Share your story – Let people know what inspired you to start
Celebrate milestones – Anniversaries, big wins, or even challenges overcome
Behind-the-scenes moments – A sneak peek at how things work, from planning to production
Customer shoutouts – Feature loyal customers or kind reviews

These kinds of posts create more engagement, invite conversation, and foster a deeper relationship with your audience.

Build a Brand People Want to Support

When people feel like they know your business on a personal level, they’re more likely to support it. Sharing your personality turns one-way marketing into a two-way conversation—and that’s where real brand loyalty begins. The more you show up as yourself, the more your audience will respond with trust and enthusiasm.

At Murphy Insurance, we believe sharing ideas like this is one small way we can help support your continued success.

Read Our Business Insurance Blog Posts

Why Timely Notice Matters Under Claims-Made Liability Policies

May 11, 2026

Claims‑made liability policies require more than just having coverage in place. Timely notice of claims or potential claims is critical to preserve coverage and avoid unexpected gaps. This article explains how claims‑made policies work, how to identify if your policy is claims‑made, and practical steps businesses can take to stay protected.

Insurance Checklist for Owners of Vacation Rentals in New England

May 5, 2026

Vacation or seasonal rentals in New England face unique risks, including vacancy, severe weather, and increased liability. Use this insurance checklist to ensure your second home or short-term rental has the right protection in place.

Building Safety Month: Why It Matters for Property Owners and Insurance Protection

May 1, 2026

Building Safety Month in May is a timely reminder that protecting your property starts with proactive safety practices. From routine maintenance to understanding insurance coverage, taking the right precautions can help property owners reduce risks, prevent costly damage, and ensure their homes or buildings remain safe and well protected.

Essential Roles of the Board in a Complex Risk Landscape

April 27, 2026

As risk environments grow more complex, boards of directors play a critical role in overseeing risk management and governance. This article explores essential board responsibilities, strategies to strengthen risk oversight, and how insurance solutions like D&O coverage can support today’s leaders.

Murphy Insurance Proudly Sponsors the Groton Road Race

April 23, 2026

Murphy Insurance Agency is proud to sponsor the 2026 Groton Road Race on May 3. With 5K, 10K, and Fun Run options, this beloved local event brings runners and families together to celebrate community, health, and one of Groton’s best traditions.

Financial Literacy Month: Building Confidence in Your Financial Future

April 1, 2026

April is Financial Literacy Month, a time to strengthen your understanding of budgeting, saving, and planning. From managing daily expenses to protecting your assets with the right insurance, financial knowledge helps you make smarter decisions and build a more secure future.

500 Blog Posts and Counting: A Milestone Worth Celebrating

March 31, 2026

We are celebrating our 500th blog post, marking years of consistently helping clients, partners, and communities navigate the complexity of insurance, reduce risk, and make more informed decisions through clear, practical, and easy-to-understand guidance they can rely on every day.

Mardi Gras: Taste of the Chamber Brings Local Flavor and Networking to Marlborough

February 20, 2026

Murphy Insurance proudly sponsored and attended the Mardi Gras: Taste of the Chamber event hosted by the Marlborough Regional Chamber of Commerce. Laura and Aida joined local businesses and community leaders for an evening of networking, great food, and celebration while supporting the region’s vibrant business community.

Honoring Black History Month: Contributions in the Insurance Industry

February 19, 2026

Honoring Black History Month by highlighting the pioneering Black leaders and entrepreneurs who shaped the U.S. insurance industry. Learn how their efforts expanded access to coverage, promoted financial literacy, and strengthened communities through economic empowerment and generational wealth building.

Top 5 Ways to Prevent Employment Practices Liability Claims

February 17, 2026

Employment practices liability (EPL) claims—such as alleged discrimination, harassment or wrongful termination—can be complex and costly, leaving impacted employers with lasting financial and reputational fallout. Taking steps to reduce EPL exposures and promote a positive workplace culture can help prevent such claims and related lawsuits. Here are five best practices for employers to consider.

U.S. Average Breach Cost Hits Record High of $10.22 Million

January 29, 2026

The average cost of a data breach in the U.S. has reached a record $10.22 million, even as the global average fell 9% to $4.44 million. Nearly all breached organizations experienced operational disruption, with most taking over 100 days to recover and 65% still not fully recovered. While AI-related breaches remain rare, most stem from poor access controls, making AI systems an increasingly attractive target for attackers.

Business Spotlight: Groton Hill Music Center – Inspiring Community Through the Power of Music

January 16, 2026

Groton Hill Music is one of our most inspiring community partners—a vibrant nonprofit arts center where creativity, education, and connection thrive. From world-class performances to inclusive music education, they enrich the region every day. Murphy Insurance is proud to support their mission with tailored business coverage that protects their people, programs, and purpose.

Why Huge Jury Verdicts Matter for Your Business Insurance

January 8, 2026

Huge jury awards, known as nuclear verdicts, are on the rise, forcing insurers to rethink coverage limits, premiums, and risk management. Reviewing liability policies now can help businesses stay protected and avoid unexpected financial losses.

10 Insurance Issues Businesses Should Keep Top of Mind in 2026

January 7, 2026

Staying ahead of evolving risks is essential for every business in 2026. From property valuations to cyber threats and liability coverage, these 10 insurance considerations can help you safeguard your operations and plan for the unexpected.

Plan a Safer Workplace With the 2026 National Safety Observances Calendar

January 6, 2026

Build a stronger safety culture with our 2026 National Safety Observances Calendar, a simple planning tool to keep workplace safety top of mind all year. The downloadable PDF includes key observance dates, plus training and awareness resources to help reduce accidents, improve productivity, and lower insurance costs.

Our 2026 National Health Observances Calendar: Plan For Wellness All Year

January 5, 2026

Staying informed about national health observances is a simple but effective way to promote wellness, spark meaningful conversations, and support healthier communities. Our 2026 National Health Observances Calendar makes planning easier by highlighting key health awareness days and observance months throughout the year.

The 2026 HR Compliance Calendar Every Business Needs

January 3, 2026

Staying compliant with employment laws and regulations is critical to protecting your business. To help simplify this often complex responsibility, Murphy Insurance has created a 2026 HR Compliance Calendar, a downloadable planning tool that outlines key HR-related deadlines and compliance reminders throughout the year.

Murphy Insurance Agency Supporting Local Charities Through Employee Generosity

Murphy Insurance Agency Supporting Local Charities Through Teamwork

December 23, 2025

Murphy Insurance proudly supports local charities making a meaningful impact across our communities. Through agency contributions, employee generosity, volunteer efforts, and seasonal drives, we help provide comfort, care, and essential resources to families in need.

The Murphy Insurance Difference

December 18, 2025

As a third-generation, family-owned agency, Murphy Insurance has always believed insurance should be personal. From thoughtful guidance and access to top-rated carriers to hands-on support when it matters most, we are committed to protecting the families and businesses we serve. Built on trust since 1937, our focus remains on long-term relationships, honest advice, and helping our clients feel confident at every stage of life.

Five Strategies for Reducing Workers’ Compensation Costs

November 17, 2025

Saving money on workers’ compensation premiums goes beyond preventing a few accidents—it starts with a strong safety program that focuses on continuous improvement. A program that meets or exceeds OSHA standards can help reduce injuries and illnesses, ultimately lowering workers’ compensation costs and protecting your team.

Business Spotlight Welly's and Wemmy's Restaurants

Business Spotlight: Welly’s & Wemmy’s Delivering a Delicious Local Story

November 4, 2025

Since opening their first restaurant in Marlborough in 2009, Welly’s & Wemmy’s have grown into community favorites known for hearty meals and warm hospitality. With Murphy Insurance by their side, these local restaurants have expanded to Hudson and beyond, continuing to bring people together while we help protect what matters most.

October is Cybersecurity Awareness Month: Are You Cyber-Smart at Home and at Work?

October 16, 2025

October is Cybersecurity Awareness Month — the perfect reminder to stay vigilant about your digital safety. From phishing scams to hacked home devices, cyber threats can affect anyone. Learn practical tips to protect yourself at home and work, and see how personal cyber insurance can help safeguard your finances and identity.

Cybersecurity Awareness Month: How Businesses Can Stay Protected in a Digital World

October 14, 2025

October is Cybersecurity Awareness Month—a reminder that cybersecurity is more than an IT issue; it’s essential to business survival. From phishing scams to ransomware, digital threats can disrupt operations and erode customer trust. Murphy Insurance helps businesses strengthen defenses and recover quickly with customized cyber liability insurance coverage.

Pollution Liability: The Most Overlooked Coverage Your Business Might Need

October 6, 2025

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.

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

September 29, 2025

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.

27 Reasons to Work with Murphy Insurance Agency

September 17, 2025

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.

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

September 15, 2025

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.

5 Workplace Safety Trends to Watch in 2025

September 11, 2025

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.

5 Risks of Hiring an Uninsured Contractor

September 8, 2025

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.

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

September 2, 2025

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.

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

August 13, 2025

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.

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

August 12, 2025

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.

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

August 5, 2025

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

Supreme Court Upholds ACA’s Preventive Care Mandate

July 31, 2025

On June 27, 2025, the U.S. Supreme Court upheld a key component of the Affordable Care Act’s (ACA) preventive care mandate. Due to the Court’s ruling, the ACA’s preventive care mandate remains in full effect and health plans and issuers are required to continue covering the entire range of recommended preventive care services without cost sharing.

Updated Hazard Communication Standard from OSHA

July 29, 2025

Employers should review OSHA's the final rule on its Hazard Communication Standard (HCS) to determine how the changes affect them. Specifically, paying attention to their compliance dates for required actions which go into affect in 2026 and 2027.

Business Spotlight: Rail Trail Flatbread Company & New City Microcreamery

June 24, 2025

Our Business Spotlight shines on Rail Trail Flatbread Co., an upscale pizza place and the owners of New City Microcreamery and Less Than Greater Than speakeasy, a local business helping revitalize downtown Hudson and beyond. From wood-fired flatbreads to liquid nitrogen-crafted ice cream, this creative group has grown into a thriving family of restaurants and bars, each backed by the trusted protection of Murphy Insurance.

Business Spotlight: Elbow Grease Marketing

June 18, 2025

We’re excited to launch our Business Spotlight series by featuring Elbow Grease Marketing, a valued partner and fellow Hudson-based business. EGM has played a key role in helping Murphy Insurance strengthen its brand and grow online. In return, EGM trusts Murphy for both business insurance and the personal insurance needs of its employees. Our partnership is a true example of what local collaboration can accomplish.

Attract Top Talent in Milford with Competitive Employee Benefits

Attract Top Talent in Milford, MA with Competitive Employee Benefits

May 30, 2025

In today’s competitive job market, offering strong employee benefits is no longer optional—it’s essential. For Milford, MA, businesses, Murphy Insurance provides customized, affordable benefit solutions that help you attract top talent, reduce turnover, and foster long-term growth.

Business Insurance in Worcester, MA: What You Need To Know

April 23, 2025

Running a business in Worcester, MA comes with both opportunities and risks. From property damage to cyber threats, having the right business insurance is essential to protect your investment. Murphy Insurance Agency provides customized coverage for local businesses of all sizes and industries. With over 85 years of experience, we offer trusted advice and tailored solutions to help your business thrive.

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

March 13, 2025

Employees are commonly targeted during cyberattacks, making them an organization’s first line of defense amid such incidents. For this reason, it’s important to make cybersecurity an integral part of company culture as a valued practice upheld by every member of the organization.

The Value of Commercial Umbrella Insurance

February 20, 2025

In today’s increasingly litigious environment, lawsuits stemming from liability incidents have surged in frequency and severity, leaving many organizations with substantial losses. Fortunately, that’s where commercial umbrella insurance can help.

6 Factors Driving Commercial Auto Losses

February 18, 2025

A variety of trends have contributed to the rise of commercial auto losses. Here is a look at the most significant factors driving commercial auto losses across the country.

Start the Year Right: 10 Business Insurance Tips

January 2, 2025

The beginning of a new year is the perfect opportunity to reassess your business insurance policies. Here are 10 practical tips to optimize your business insurance and start the year on the right foot.

Fostering a Culture of Workplace Safety

December 18, 2024

Fostering a strong safety culture provides many benefits to an organization. This article explains what it means to have a strong safety culture, outlines associated benefits and provides strategies small businesses can implement to establish this type of culture.

Hosting Holiday Parties Responsibly: Tips for Personal & Business Gatherings

December 13, 2024

While it’s easy to get caught up in the fun, taking some simple precautions can prevent mishaps and protect you from unexpected situations. Here are some practical tips for hosting a safe and successful holiday party, with a focus on being prepared.

Preventing Drowsy Driving

November 5, 2024

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

October 21, 2024

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

October 5, 2024

With deer mating season in full swing from October through December, drivers face an increased risk of collisions. As deer are more active, especially around dawn and dusk, habitat loss has pushed them closer to roadways. Here’s how defensive driving can help you avoid an accident.

MA Dept of Industrial Accidents New Notice Requirements

September 10, 2024

The Department of Industrial Accidents (DIA) has revised the Notice to Employees and has established new notice requirements. On or before September 16, 2024, all employers must utilize and repost the revised Notice to Employees poster.

The Value of Professional Liability Insurance

August 27, 2024

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"

Compliance Overview: 2025 Open Enrollment Checklist

August 21, 2024

To get ready for open enrollment, employers who sponsor group health plans should be aware of compliance changes affecting the design and administration of their health plans for plan years beginning on or after Jan. 1, 2025.

Recognize Spam and Phishing Emails

August 5, 2024

As more of our daily lives move into cyberspace, hackers, cybercriminals and spam bots may lurk behind every new message that shows up in your inbox. Even robust spam filters may not be able to catch every unwelcome email. Fortunately, you can act as an additional line of defense for yourself and your electronic devices by understanding the warning signs of spam and phishing emails.

How Distracted Driving and Texting Impact Your Auto Insurance Premiums

July 17, 2024

One major reason for auto insurance premiums going up is the rise in distracted driving, especially texting while driving. Distracted driving has become a leading cause of accidents, pushing up costs for insurance companies and, ultimately, leading to higher premiums for all drivers.

Cyber Risk Exposure Scorecard: Assess your risk

May 22, 2024

Cyber incidents have become increasingly prevalent, impacting organizations of all sizes and industries. As these incidents continue to rise in both cost and frequency, organizations must take steps to address their cyber exposures and bolster their digital security defenses.

Exposing Double Brokering: Safeguarding Your Freight Against Deceptive Schemes

May 21, 2024

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

May 15, 2024

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

May 9, 2024

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

April 23, 2024

Standard property insurance provides coverage for physical damage and losses such as fire-damaged furniture or stolen equipment. It assists in covering the expenses associated with rebuilding or replacing damaged property.

Sole Proprietors and Partners Not Always Covered by Workers’ Comp

March 29, 2024

Ensure you know the situation: Sole Proprietors and Partnerships must elect proper insurance coverage to safeguard themselves. Don't overlook this crucial protection – it's your livelihood at stake. For other businesses, verify coverage status to avoid potential premium hikes in audits.

Reducing Risks to your Business Vehicles

March 22, 2024

Whether you possess a single business car or manage an entire fleet of commercial vehicles, obtaining commercial auto insurance is imperative. Consult with your insurance professional to assess your risks and explore suitable coverage options.

Is Your Business Prepared to Survive a Disaster?

March 14, 2024

A prepared action plan is vital for business continuity during severe storms that cause power outages and flooding. FEMA reports that 40% of businesses fail to reopen after disasters, emphasizing proactive preparation for financial recovery and operational continuity.

Insuring Your Home-Based Business

February 28, 2024

If you're running a business from home, it's crucial to assess your risks and determine your insurance needs, whether it's a part-time, seasonal, or full-time operation. Starting a business from home can be challenging, but having the right insurance gives you a safety net and lets you breathe easily amidst the challenges.

Cyber Risk…Cyber Security

February 27, 2024

The escalating threat of cyber security crimes and the heightened risk of data breaches underscore the pressing need for businesses to address and mitigate these risks. Despite the challenges posed by rapid changes, proactive identification and management of cyber risks are possible through effective prevention efforts and careful planning, offering a pathway to safeguard your company.

Workers’ Compensation Insurance: 3 Key Factors to Consider

February 21, 2024

Workers' Compensation Insurance, commonly known as "Workers' Comp," provides vital financial support to employees who sustain work-related injuries or illnesses, covering medical expenses and compensating for lost wages during recovery periods. In Massachusetts, it's mandatory for all organizations with employees, regardless of size or the number of employees working across state lines, ensuring comprehensive protection for the workforce.

Cyber Liability Risk…Protect Your Business

January 25, 2024

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

December 18, 2023

If your business needs commercial auto insurance whether it’s for a single vehicle or a whole fleet, you will want commercial insurance that is both affordable as well as provides proper protection. Here are a several tips for buying commercial auto insurance that will help you manage costs but at the same time ensure that you’re properly protected.

Common Questions about Water Damage and Insurance Coverage

December 12, 2023

Most standard property insurance policies cover sudden and accidental water damage, like burst pipes, but typically exclude gradual leaks, poor maintenance, and external flooding. To avoid coverage gaps, review your policy and consider additional endorsements like flood or sewer backup insurance.

Host Liquor Liability Coverage for Events

Host Liquor Liability Coverage for Business Events

December 1, 2023

Hosting corporate events or leasing properties to tenants serving alcohol brings liquor liability risks. While a Commercial General Liability policy offers some coverage, exclusions exist for businesses involved in alcohol sales. Mitigate risks by hiring trained bartenders and exploring additional coverage options with legal counsel.

Snow Plowing Liability for Completed Operations

November 15, 2023

For those involved in snow plowing, whether as a primary business or side venture, it's crucial to ensure adequate liability coverage, especially for completed operations, alongside comprehensive auto insurance. Recent amendments to Massachusetts laws in 2010 have heightened liability risks for property owners and snow plow contractors, underscoring the necessity of having appropriate protection measures in place.

Protecting your Business Property in Winter

October 24, 2023

Prepare for New England's unpredictable winters to ensure smooth and safe business operations. Taking steps to address common winter-related property damage can mitigate risks and keep your business running seamlessly throughout the season.

Differentiating Between an Employee and an Independent Contractor

October 4, 2023

Distinguishing between an employee and an independent contractor can be complex and costly if mistaken. MADUA has issued guidance, outlining the 3-Prong ‘A-B-C test’ to help clarify independent contractor requirements.

When Disaster Strikes: Preparation, Response and Recovery for Businesses

October 2, 2023

Disasters can impact businesses of all sizes and types, leading to temporary closures or permanent shutdowns due to events like floods, fires, or hurricanes. Businesses can be extremely vulnerable to unforeseen events and need to prioritize the importance of disaster preparedness and resilience strategies. Taking proactive measures can help minimize the impact of a disaster on your business, while having sufficient insurance coverage can expedite the recovery process.

U.S. Auto Insurer Claim Payouts Soar Due to Increasing Inflation

September 28, 2023

Rising inflation has driven personal and commercial auto liability insurance costs billions higher, impacting both policyholders and insurers, according to a recent study. Despite dominating premium earnings, personal auto policies often offer significantly lower coverage limits than commercial policies, highlighting a crucial gap in protection.

Steps to Take When Renewing Your Insurance

September 27, 2023

Even without filing a claim, the rising costs of insurance are surpassing inflation due to various factors such as increased repair and replacement expenses caused by labor and supply chain disruptions. Moreover, the growing frequency and severity of accidents and weather-related disasters contribute to overall rate adjustments. Our team of insurance experts can assist you in securing the appropriate coverage at a competitive rate, ensuring you receive optimal value for your insurance investment.

What’s the Difference Between Auto Policy Cancellation and Non-Renewal?

September 27, 2023

Understanding the distinction between insurance policy cancellation and non-renewal is crucial. Discover the reasons behind potential non-renewal of your insurance policy to ensure clarity and preparedness.

Consequences of Late Insurance Payments

September 21, 2023

In the whirlwind of daily life, bills can accumulate, leading to the temptation to delay payments due to budget constraints. Yet, unlike other bills, insurance premiums hold greater consequences: late payments not only impact premium costs but also affect your insurability, highlighting the importance of timely payments to maintain coverage and financial stability.

Why Ordinance or Law Coverage Can Be Important for Home and Business Properties

September 1, 2023

Understanding how changes in building codes can impact rebuilding after a loss is crucial. Without proper coverage, such as Ordinance or Law Insurance, you may face unexpected expenses not covered by basic property insurance policies, leaving you vulnerable during reconstruction.

Starting a Business? Know the Risk Factors that Go into Pricing Your Business Coverage

August 16, 2023

Successful startups require vision, passion, and appropriate business insurance coverage. While launching a new venture can incur expenses, cutting corners on insurance is not advisable because of its critical role in safeguarding business interests.

3 tips for avoiding audit surprises part 2

3 Tips for Avoiding Audit Surprises – Business Insurance Audits

August 3, 2023

Based on your previous encounters with insurance audits, you likely view them as either routine or burdensome. To navigate audits more smoothly and prevent surprises, consider implementing these tips to streamline the process and enhance your business operations.

Free Resources to Help Small Businesses Survive Severe Weather Events

August 2, 2023

Small businesses face substantial risks from severe weather, but with IBHS's free resources, owners can fortify their operations against potential disasters. By utilizing tools like OFB-EZ and EZ-PREP, businesses can streamline their planning, ensuring resilience and continuity in the face of adversity.

Understanding Insurance Audits – Business Insurance Audits

July 13, 2023

Opinions on insurance audits range from "no big deal" to "frustrating," and as Insurance Agents, we hope they lean towards the former. Clear comprehension of audit purposes, accuracy in policy applications, and proper documentation maintenance can streamline the audit process for businesses, averting surprises.

How to Prepare for Hurricane Season

July 11, 2023

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?

September 14, 2022

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’

May 24, 2022

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

June 28, 2021

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

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

Murphy Insurance co-sponsored the 3rd Annual Wayside Inn Antiques Show, held May 11–13, 2012, on the historic Wayside Inn campus in Sudbury, MA. With more than 40 top dealers from across the U.S., the event featured a preview party, expert “Booth Chats,” and a special offer: free admission for moms on Mother’s Day with a paid guest. The event highlighted a diverse mix of fine art, furniture, and collectibles, appealing to both seasoned collectors and casual enthusiasts.

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.

Previous Next

Visit Our Business Insurance Page

Murphy Insurance stands as your steadfast partner in safeguarding your business from unforeseen challenges in today’s dynamic business landscape. In an era where comprehensive business insurance is not just a prudent choice but a vital one for ensuring the long-term stability and security of your enterprise, we are here to offer our expertise. Running a business inherently entails various risks that can potentially impact your financial stability and reputation. Learn more about our comprehensive business insurance solutions, which are meticulously designed to protect you from these potential threats, granting you peace of mind necessary to focus on the growth and prosperity of your business.