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Murphy Insurance News & Articles

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prepare for disaster

A Trusted Choice® survey shows that many homeowners lack basic financial protections to withstand unexpected disasters. As disaster season peaks, a new national consumer survey commissioned by Trusted Choice® and the Independent Insurance Agents & Brokers of America (IIABA or the Big “I”), reveals that many homeowners lack adequate insurance coverage, do not fully understand their homeowners policies and do not have enough savings to support their households in the event of a disaster. The August 2016 homeowner ...

winter business preparation tips

New England winters are known for their unpredictability. Keeping your business operations running smoothly and safely this winter is dependent on being prepared for whatever winter weather might bring. Below are a few of the steps you can take to address the most common problems that cause property damage in winter. Cold air in enclosed spaces Visually inspect concealed spaces for gaps in wall materials; water pipes in these areas can freeze if unprotected Keep these spaces ...

Ordiance or Law Coverage for building code changes

Building code changes can create extra expenses not covered by standard insurance. Be sure you’re protected. Do you know how your home or other property complies with current building codes if you had to rebuild after a fire or other loss? If not, you’re not alone; however, it’s a real concern that you need to consider.  Changes to building ordinances and laws can result in requirements to upgrade your building to new standards during reconstruction, ...

Identity theft insurance

identity theft

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 ...

Accounting

The COVID-19 pandemic has caused many businesses to adjust or reduce their operations. Workers may have transitioned to working from home, having reduced hours, have been furloughed – some with or without pay, or have been laid off. Maintain Accurate Payroll Records for Proper Workers' Compensation Insurance Premium With this upheaval, it is important to maintain accurate payroll records to ensure you are charged appropriate premium for your Workers’ Compensation coverage. Workers’ Compensation policies are audited ...

3 point check list independent contractor

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 ...

 

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.