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Even a well-maintained vehicle can break down, so it’s advisable to put together an emergency roadside kit to carry with you. A cell phone tops the list of suggested emergency kit contents since it allows you to call for help when and where you need it. Suggested emergency roadside kit contents:  Cell phone  First aid kit  Flashlight  Flares and a white flag Jumper cables  Jack (and ground mat) for changing a tire  Work gloves ...

Whether your a new driver on one with years of experience, it's always good to review safe driving habits. Even if you know what good habits are, there are often times where you're put in a situation where you have to make a decision to drive.  When it doubt, let someone else drive, pull over or call a cab.   Avoid Fatigue The best way to stay focused while driving is to avoid fatigue. Schedule your ...

Grilling Safety

Every year, millions of Americans safely enjoy outdoor barbecues, but accidents do happen. According to the U.S. Fire Administration, about 5,700 grill fires take place on residential property every year, causing an annual average of $37 million in damage, 100 injuries and 10 deaths. The majority of grill fires are caused by malfunctioning gas grills. In addition, thousands of people visit emergency rooms every year because they have burned themselves while barbecuing. In the rare ...

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 provide information or services through a website you conduct e-commerce you store and use customer information electronically why be concerned? While there are many publicized hacking attacks against large companies reported in the news, smaller companies face ...

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 ...

As a cyclist, you've chosen a sports activity that puts you on the road with a lot of vehicles.  No one needs to tell you that drivers have a lot more physical protection than you do on your bike. While you take every precaution to be safe, it's possible that something could happen. Sadly in 2011, cycling accidents caused 48,000 injuries and 677 deaths. (NHTSA Traffic Safety Facts)   If you're involved in an accident, the ...

If you’re traveling with children, find out how to best keep them safe. Make sure car seats and booster seats are properly installed and that any children riding with you are in the car seat or booster seat best suited to protect them. All children 13 and younger should ride in the back seat. And remember, all passengers in your vehicle should be buckled up!  Go to NHTSA's, child passenger safety recommendations to find out how ...

Memorial Day is often thought of as the kick-off of summer vacation season.  There are many great things about summer but few can match the fun of a family vacation road trip. Families, friends, colleagues—we all start talking about where to go this summer. Families make plans to spend time together – that trip to the shore, the cabin in the mountains, camping at the lake. Friends start lining up their days off to ...

Based on 2014 data, motorcycle deaths occur 27 times more frequently than in other types of vehicles accoreding to the NHTSA. 4,586 motorcyclists were killed in traffic crashes in 2014. Those deaths account for 14 percent of the total highway fatalities that year. This decrease in motorcycle fatalities continues to break a tragic trend over the last 17 years, which saw only one other decline in 2009. Injured motorcyclists also decreased from 93,000 in 2013 ...

  The decision to protect your loved ones is easy. Where people sometimes struggle is deciding whether they want term or permanent insurance. Your decision will be guided by want you want it to accomplish for those you’re protecting and will balance the factors of: Cost – What you pay for the protection. Time – How long you will be insured. Face Value – How much money your beneficiaries receive upon your death. Cash Value – How much money can be ...

 

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.