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Murphy Insurance News & Articles

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topics of interest to you

prepare for disaster

As disaster season peaks, a new national consumer survey commissioned by Trusted Choice® and the Independent Insurance Agents & Brokers of America (IIABA or the Big “I”), reveals that many homeowners lack adequate insurance coverage, do not fully understand their homeowners policies and do not have enough savings to support their households in the event of a disaster.

business desk laptop

Understanding the factors used by insurance companies to price a business insurance policy is key to making the best choices when it comes to finding the right coverage for your needs. If you’re planning to start your own business, consider the following factors that can affect the price of your business insurance:

crashed car

Don't risk financial losses because someone else isn’t covered. If you’re involved in a serious accident with a motorist who doesn't have an auto insurance policy, you could be at risk for substantial financial losses. Uninsured and underinsured motorist coverage is designed to protect against that possibility.

Auto insurance for teen drivers

car insurance for teen drivers

Having a teen driver in your house is a big milestone. Before your teen gets a learners permit, make a call to your insurance agent. Your representative can explain the costs involved in insuring a teenage driver. The good news is, as your teenager gets older, insurance rates will drop—providing he or she has a good driving record. Involving your teen at the outset is a wise decision.

hurricane season preparation

September is the most common month for hurricanes making landfall in the U.S., followed by August and October. These five actions can help you stay ready for whatever the remainder of hurricane season has in store.

business recovery after storm

The Insurance Institute for Business & Home Safety (IBHS) offers small business owners free, user-friendly resources that can help assure their business continuity and checklists to help them protect their business investments and property when bad or severe weather threatens.

workers compensation sole proprietor coverage

Workers' compensation policies issued to Sole Proprietors and Partnerships do not provide coverage for the individual sole proprietor or partner(s) unless they elect coverage for themselves. This can leave a gap in workers’ compensation coverage, so be sure you understand what coverage is in place for your own protection and when hiring subcontractors.

MA Low Plate Lottery 2021

Massachusetts Low Number License Plate Lottery has begun. Similar to last year, this year’s lottery is being held during a shorter time period than in the pre-pandemic past, with only on-line applications being accepted. Deadline to enter August 27, 2021

rental vehicle insurance

Will your Massachusetts auto insurance policy cover a rental vehicle? Where you travel, the vehicle rented, the rental contract and other factors can all impact coverage, so it really depends on the situation. Here is a general overview of issues to consider.

commercial auto protection

Even with commercial auto insurance in place for your business vehicles, you’ll want to take steps to prevent accidents and protect your employees and vehicles. Your business can reduce the chance of an accident by establishing and enforcing these practices and policies.

 

The information provided in these articles are only general descriptions and should not be relied upon as complete, correct or accurate for your specific situation. All coverage informaiton is subject to policy provisions, endorsements and may be  subject to your meeting underwriting qualifications. Murphy Insurance Agency is not engaged in rendering legal, accounting or other noninsurance professional services. Consult an appropriate professional for advice regarding your own situation.