800 222 8711 Contact Us Join Mail List Secure Mail Submit a Claim
Search magnifying glass icon

Murphy Insurance News & Articles

rss

topics of interest to you

It may sound like a dance craze from the 1950s, but a BOP—a Business Owners Policy—can protect your small business against today’s most common risks. Fire, burglary, liability and business interruption losses are all covered under a BOP. Since a BOP is prepackaged, there is only one policy to review and it can be more cost effective than purchasing separate policies. Additional coverage can be added in the form of endorsements or riders. Since a BOP ...

Business interruption insurance can be as vital to your survival as a business as fire insurance. Most people would never consider opening a business without buying insurance to cover damage due to fire and windstorms. But, too many small business owners fail to think about how they would manage if a fire or other disaster damaged their business premises so that they were temporarily unusable. Business interruption coverage is not sold separately. It is ...

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. develop a disaster recovery plan No matter how small or large a ...

Several changes related to employee health insurance have occurred that employers need to be aware.  Revised model COBRA notices Federal regulators recently released revised model COBRA notices. No changes were made to the COBRA process itself, but the notices were revised to better reflect the availability of Marketplace (Exchange) options available under the Affordable Care Act (ACA) to individuals losing coverage through an employer group, and the interaction of these options with COBRA coverage.  There are two ...

Murphy Insurance Agency is sponsoring its annual Toys for Tots Drive and is reaching out to the community for donations to help kids and families in need this holiday season. Donations of new, un-wrapped toys are needed for children ages newborn to 12 years. This is the 64th year that the U.S. Marine Corps Reserve Toys for Tots program has been in action. Collected toys are distributed to children in local communities. “The community and ...

If you're running a business from your home, you may not have enough insurance to protect your business equipment. A typical homeowners policy provides only $2,500 coverage for business equipment, which is usually not enough to cover all of your business property. You may also need coverage for liability and lost income. Insurance companies differ considerably in the types of business operations they will cover under the various options they offer. So it's wise ...

New OSHA regulations effective June 16, 2011. Falls are the leading cause of death for workers engaged in residential construction. On December 16, 2010, OSHA issued STD 03-11-002, Compliance Guidance for Residential Construction, which rescinds STD 03-00-001, Interim Fall Protection Compliance Guidelines for Residential Construction, and provides that OSHA will be enforcing 29 CFR 1926.501(b)(13) for all residential construction work on or after June 16, 2011.  Prior to the issuance of this ...

Does your business collect “personal information” such as storing credit card numbers, logging personal check information or maintaining employee information such as social security numbers? If so, you need to understand and have a plan to comply with the Massachusetts Personal Information Protection Laws (MA 201 CMR 17) that went into effect March 2010. We still run into businesses that don’t have the proper understanding of this situation and are putting themselves at risk. As ...

 

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.