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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 Internet has changed the way most of us do business and has increased liability exposures. If any of the items listed below apply to your business, you most likely have Cyber Liability exposures. you communicate by email you have a website you conduct e-commerce you store information electronically why be concerned? You may not realize that companies sharing information via websites face the ...

  A new Environmental Protection Agency (EPA) lead-paint law is in effect as of April 22, 2010. It requires that any renovation to a home or child occupied facility built prior to 1978 be performed by a certified contractor or renovator. A few exceptions are if: The structure was built after 1978. The repairs are minor, with interior work disturbing less than six square feet of interior painted surface or less ...

There's a new Massachusetts law effective July 1, 2010 that requires homeowners, who heat their homes with oil, to upgrade home heating system equipment to prevent leaks from tanks and pipes connected to their furnace. The best way to learn more about the upgrade requirements is to use the following link to visit the the Mass Division of Environmental Protection web site. Contact a heating system professional to determine ...

Effective October 1, 2008, an annual enhanced Massachusetts Commercial Motor Vehicle Inspection is required of single, full, or semi-trailers, used in commerce (over 3,000 pounds GVWR) or commercial vehicle/trailer combinations (over 10,000 pounds GCVWR), and all heavy duty motor vehicles (over 10,000 pounds GVWR) and converter dollies. Use the following link to access a listing of types of vehicles and inspections required RMV Vehicle Inspection Requirements.    The good news is that if you are required to ...

We’ve heard that a number of Massachusetts-only businesses have been stopped and ticketed for non-compliance with a fairly new regulation promulgated by the Mass. Department of Transportation (MA DOT) regarding commercial vehicles. Fines for non-compliance can be HUGE. As your insurance provider, we CAN’T advise you regarding what specific regulations may or may not apply to you and your business, but we can keep you and our other customers with business policies informed so that ...

Do you or your employees go across state borders to work in other states? If so, be sure your Workers’ Compensation policy covers these additional workplaces. For example, the State of New Hampshire recently began to enforce its law requiring employers with any employee doing any work in New Hampshire to show NH in Item 3A of its Workers’ Compensation policy. What is item 3A?  It shows the states where you have employees working. If your employee is injured in ...

 

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.