Claims are formal requests made by policyholders to their insurance company to seek compensation or coverage for losses or damages covered under their insurance policy. When an insured event occurs, such as a car accident, property damage, injury, illness, or other covered incident, the policyholder submits a claim to their insurer to receive financial assistance or reimbursement for the incurred losses.

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Managing Insurance Costs…Understanding Deductibles, Frequency and Severity

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

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

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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.

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Keep Your Home in Tip-Top Condition

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In recent years, homeowners have grappled with soaring insurance costs and challenges in obtaining coverage, especially those with multiple claims. Yet, by implementing preventive measures, homeowners can mitigate future risks, making insurance more accessible and affordable.

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Insurance Claim Tips For After The Storm

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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.

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Remembering Irene…Lessons Learned

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This time last year, the Northeast endured the aftermath of Hurricane Irene and an unexpected October snowstorm wreaking havoc in Massachusetts, resulting in extensive damage including downed trees and prolonged power outages.

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