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If your company is required to provide proof of liability insurance as part of doing business, you have probably requested a standard ACORD Certificate of Liability Insurance. The insurance industry is now using a recently revised standard (ACORD 25) certificate, which has some language changes that could impact you. A Certificate of Insurance is a document that simply provides information about insurance policy coverage as of a specific point in ...

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 ...

InControl Advanced Driver Training

Being a safer driver can save you money: save 10%+ on Advanced Driver Training ways to save The In Control Advanced Driver Training program has the potential to save you money in several ways. Save money on your auto insurance policy. Some companies including Safety Insurance provide consider the your having taken the In Control course as a factor when setting your rate or give a specific discount.    ...

November 9th, 2010, 8AM – 9AM MILFORD - Every year, there are companies that go out of business because they failed to put a plan in place to address the situation of an owner dying or becoming disabled. To help area business owners become educated on the importance of Business Continuation Planning, D. Francis Murphy Insurance Agency & Milford National Bank have joined forces to offer a free seminar titled:  “Business Continuation Planning: What happens to your ...

Massachusetts snow removal law

Court ruling changes snow removal law...increases property owner liability risk When it snows, it's now more important than ever to shovel snow early and keep slippery areas treated. The legal rules governing snow and ice removal have changed and increased potential liability for residential and commercial property owners. In, 2010, the Massachusetts Supreme Judicial Court ruled that all landowners must clear their property of any snow or ice that could ...

Murphy Insurance Agency is sponsoring a Toys for Tots Drive at its seven (7) locations in Bolton, Groton, Harvard, Hudson, Marlborough, Mendon and Medway and is reaching out to the community to support families in need. “Because we talk with so many people on a daily basis, we’re very aware of the increased number of families facing financial challenges this year,” said Dennis F. Murphy, Jr., CEO of D. Francis ...

When it snows, it's now more important than ever to shovel snow early and keep slippery areas treated. The legal rules governing snow and ice removal have changed and increased potential liability for residential and commercial property owners. In, 2010, the Massachusetts Supreme Judicial Court ruled that all landowners must clear their property of any snow or ice that could cause injury to others. It no longer matters if ...

The risks of becoming temporarily or permanently disabled and the resulting financial impacts are very real and often underestimated. Consider… Statistics from the 2000 US Census indicated nearly 20% of the nation’s population had some type of long-lasting condition or disability. (Source: www.naic.org, February 2007) The younger you are the greater the chance of being disabled vs. dying. Almost 30 percent of people between the ages 35 ...

Effective August 26, 2010, MA Law Chapter 116 requires that all liquor licensees that serve alcoholic beverages to be consumed on premises to provide proof of Liquor Liability Insurance when renewing or applying for a new license. This law represents a significant change requiring specific insurance coverage limits for any establishment holding a liquor-pouring license. Contact us if you have a liquor-pouring license and have not reviewed that your coverage limits are in compliance. Learn more about ...

Be aware of the new Massachusetts Safe Driving Law that goes into effect on September 30 2010. Here are some of the main aspects of the law. texting or reading texts while driving prohibition Operators cannot use any mobile electronic device to write, send, or read an electronic message (including text messages, emails, instant messages, or accessing the Internet) while operating a vehicle. This law applies to drivers of all ages. For definition of ...

 

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.