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Murphy Insurance News & Articles

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3 point check list independent contractor

Differentiating between an employee and an Independent Contractor can be complicated, but making an error can also be costly. Massachusetts Department of Unemployment Assistance clarifies the requirements of an Independent Contractor as outlined in the 3-Prong ‘A-B-C test.’

car accident preparedness

Being prepared and knowing what to do if you are involved in an accident can save lives, reduce injuries and make the claims process simpler and easier.

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 are planning to start your own business, consider the following factors that can affect the price of your business insurance.

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.

dog owner safety

Even normally docile dogs may bite when they are frightened or when protecting their puppies, owners or food. Dog owners may be liable for any injuries their pets cause. Understand your potential liability and how to protect yourself financially.

hurricane

Hurricanes can be violent and dangerous to your family and your home. Before a major storm threatens your community, take steps to secure your home and protect yourself, your loved ones, and your property.

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.

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.

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.

home business

If you are running a business from your home, you may need insurance to specifically cover your equipment, liability, etc. because home insurance policies exclude business activities. Here are some basics to consider.

 

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.