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Murphy Insurance News & Articles

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winter business preparation tips

New England winters are known for their unpredictability. Keeping your business operations running smoothly and safely this winter is dependent on being prepared for whatever winter weather might bring. Below are a few of the steps you can take to address the most common problems that cause property damage in winter. Cold air in enclosed spaces Visually inspect concealed spaces for gaps in wall materials; water pipes in these areas can freeze if unprotected Keep these spaces ...

Ordiance or Law Coverage for building code changes

Building code changes can create extra expenses not covered by standard insurance. Be sure you’re protected. Do you know how your home or other property complies with current building codes if you had to rebuild after a fire or other loss? If not, you’re not alone; however, it’s a real concern that you need to consider.  Changes to building ordinances and laws can result in requirements to upgrade your building to new standards during reconstruction, ...

Identity theft insurance

identity theft

Tips for protecting your identity and finances Identity theft is the act of taking someone’s personal information and using it to impersonate a victim, steal from bank accounts, establish phony insurance policies, open unauthorized credit cards or obtain unauthorized bank loans. In some more elaborate schemes, criminals use the stolen personal information to get a job, rent a home or take out a mortgage in the victim’s name. Close to half of identity theft cases are ...

Accounting

The COVID-19 pandemic has caused many businesses to adjust or reduce their operations. Workers may have transitioned to working from home, having reduced hours, have been furloughed – some with or without pay, or have been laid off. Maintain Accurate Payroll Records for Proper Workers' Compensation Insurance Premium With this upheaval, it is important to maintain accurate payroll records to ensure you are charged appropriate premium for your Workers’ Compensation coverage. Workers’ Compensation policies are audited ...

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.  The Massachusetts Department of Unemployment Assistance (MADUA) recently issued guidance to help clarify the requirements of an Independent Contractor as outlined in the 3-Prong ‘A-B-C test.’   Proper classification of workers, and subsequently paying applicable unemployment insurance, is at the forefront of maintaining the Unemployment Insurance Trust Fund. Unemployment Insurance was implemented to stabilize the economy by ...

crashed car

Don't risk financial losses because someone else isn’t covered Despite the legal requirements in 49 states, many drivers in the U.S. remain uninsured. Don't risk your financial health—make sure you're insured, and learn how to protect yourself in the event of an accident with an uninsured motorist. Uninsured motorists are relatively common With the exception of New Hampshire, every state in the U.S. has a minimum mandatory car insurance requirement. Despite that, about one out of every eight ...

business desk laptop

Managing and growing a successful startup takes vision, passion—and the right type and amount of business insurance, according to the Insurance Information Institute (I.I.I.).  “Starting and maintaining a new business can be costly, but the last place business owners should cut corners is insurance,” said Loretta Worters, a vice president with the I.I.I. “Proper business insurance coverage can be critical to—and is often a requirement for—a startup’s success." Understanding the factors used by insurance companies to price a business ...

Auto insurance for teen drivers

car insurance for teen drivers

Is there a newly licensed driver in your home? Reduce the stress by understanding the implications for your car policy For parents, the excitement of having a first-time driver in the house is usually tempered with worry. With little driving experience and raging hormones, immature drivers are at a higher risk for accidents. Of course, safety concern is uppermost in most parents' minds but other stressors—like the high cost of insuring your new driver and ...

hurricane season preparation

Summer may be winding down, but historically, the worst part of hurricane season is just beginning. Fortunately, there are simple steps that you can take to protect your wallet, your property and even your life, according to the Insurance Information Institute (I.I.I.). September is the most common month for hurricanes making landfall in the U.S., followed by August and October, according to an analysis of weather data ranging from 1851 to 2011 by the National ...

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, along with checklists to help them protect their business investments and property when bad or severe weather threatens. “No matter where in America they are located, small businesses face a significant risk from severe weather events. The good news is with some basic, thoughtful planning, these risks can be managed, reduced and often ...

 

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.