800 222 8711 Contact Us Pay My Bill Secure Mail Submit a Claim
Search magnifying glass icon

Murphy Insurance News & Articles

rss

topics of interest to you

home insurance

If disaster strikes, you'll want enough homeowners insurance to rebuild the structure of your home, to help replace your belongings, to defray costs if you're unable to live in your home and to protect your financial assets in the event of liability to others. Use these guidelines to help determine the coverage and amounts you need.

family life insurance

If you've purchased life insurance, you deserve to be commended for taking this step to protect your loved ones. There may be a temptation to file away your policy and forget it, but there are a few key things you should do right away after buying life insurance to ensure that in the event of a tragedy, your loved ones will easily be able to receive the money you want them to have.

create home inventory

Every homeowner, renter and college student should have an inventory of their possessions. Just imagine…if you had a fire or burglary, would you be able to remember everything you own and what it cost? Having an inventory can save you time, money and stress if you have to make a claim.

diamond ring

Imagine how you’d feel if you looked down and saw the stone missing on your diamond ring? Would it be covered by your homeowners', condo owners' or renters' policy?

life insurance options

When deciding between the general categories of term or permanent life insurance, your decision needs to be guided by what you want it to accomplish for those you’re protecting.

Independent Contractors

Does your business use “independent contractors”? If so, are you in compliance with Massachusetts Independent Contractor Law with its strict three prong test? Many businesses that used to use "independent contractors" can no longer classify these workers as such.

cyber liability insurance

Smaller companies face increasing computer liability risks. Almost every business uses technology in some way, and your business can be held liable if certain types of information are compromised. Insurance experts regard cyber risks to be greater than risks related to fraud or theft. Your business can take a variety of steps to protect itself and limit exposure including obtaining cyber liability insurance.

identity protection

Close to half of identity theft cases are the result of a lost or stolen wallet, checkbook, credit card or other physical document. But as online shopping becomes increasing popular, it can also pose an identity risk.

 
Victims of identity theft are often left with lower credit scores and spend months or even years getting credit records corrected. They frequently have difficulty getting credit, obtaining loans and even finding employment. Victims of identity theft fraud often travel a long and frustrating road to recovery; depending on the severity of the identity theft fraud damage, the recovery process can take anywhere from a few weeks to several years.

Rental car insurance

car rental

There are more options for renting a car than ever before—bricks-and-mortar, peer-to-peer and membership-based car sharing services. While this means more choice for renters, it also creates more questions about insurance coverage. Use these tips to properly insure yourself when renting a car, and avoid wasting money on duplicative coverage.

disaster recovery planning

Businesses that are forced to close down following a disaster run the risk of never being able to open their doors again. While there’s no way to lower the risk of a natural disaster like a hurricane, there are critical measures that can be taken to protect your company’s bottom line from nature’s fury. A disaster plan and adequate insurance are keys to recovery.

 

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.