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Murphy Insurance News & Articles

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topics of interest to you

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?

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.

lawsuit protection

The legal fees to defend yourself in a lawsuit can be financially crippling regardless of whether you’re ultimately found responsible or not. Getting an umbrella liability policy a way to protect yourself.

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.

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.

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.

Prevent flooding from snow melt

melting snow pile

Snow can hold a lot of water. To prevent it from becoming a flood problem, you can take several preventative measures:

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.

10 tips for safe winter driving

winter driving tips

10 tips to help prepare for safe winter driving. When winter weather makes driving challenging, the safest solution is to stay off the roads, but that’s not always possible so be sure to take precautions if you need to be out in the elements.

Preventing ice dams

ice dam prevention

Melting snow can refreeze at the edge of a roof creating an “ice dam” that prevents water from draining off the roof and causes it to pool and back up under the roofing material and into the attic or along exterior walls. It can cause significant water damage to a home. Consider these tips for prevention.

 

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.