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Differentiating between an employee and an Independent Contractor can be complicated, but making an error can also be costly.  The Massachusetts Department of Unemployment Assistance (MADUA) recently issued guidance to help clarify the requirements of an Independent Contractor as outlined in the 3-Prong ‘A-B-C test.’   Proper classification of workers, and subsequently paying applicable unemployment insurance, is at the forefront of maintaining the Unemployment Insurance Trust Fund. Unemployment Insurance was implemented to stabilize the economy by ...

Don't risk financial losses because someone else isn’t covered Despite the legal requirements in 49 states, many drivers in the U.S. remain uninsured. Don't risk your financial health—make sure you're insured, and learn how to protect yourself in the event of an accident with an uninsured motorist. Uninsured motorists are relatively common With the exception of New Hampshire, every state in the U.S. has a minimum mandatory car insurance requirement. Despite that, about one out of every eight ...

Identity theft insurance

Tips for protecting your identity and finances Identity theft is the act of taking someone’s personal information and using it to impersonate a victim, steal from bank accounts, establish phony insurance policies, open unauthorized credit cards or obtain unauthorized bank loans. In some more elaborate schemes, criminals use the stolen personal information to get a job, rent a home or take out a mortgage in the victim’s name. Close to half of identity theft cases are ...

 

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.