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Entries for June 2019

28
Every year, millions of Americans safely enjoy outdoor barbecues, but accidents do happen. According to the U.S. Fire Administration, about 5,700 gril... Read more >

Posted in: general
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27

Smaller companies face increasing computer liability risks.  Almost every business uses technology in some way, and your business can be held liabile if certain types of information are compromised.  Insurance experts regard cyber risks to be greater than risks related to fraud or theft.  Your business can take a variety of steps to protect itself and limit exposure including obtaining cyber liability insurance.

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18

 

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 insurance policy is specifically designed for small and medium-sized businesses, the type of business can influence eligibility. Normally, companies with 100 employees or fewer and revenues of up to about $5 million or less are candidates for a BOP. Some types of businesses, such as restaurants, may be ineligible for a BOP because of the specific risks inherent in the business and may need to consider buying the individual coverages separately.

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12
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... Read more >

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03

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. There are other dangers to children in and around cars that you should know....

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Posted in: auto
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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.