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Murphy Insurance News & Articles

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Halloween can be scary but having the right insurance coverage can take some of the fright out of the night, according to the Insurance Information Institute (I.I.I.). “If you’re worried about Halloween partyers who may cause damage to your home, there’s probably little to fear,” said Michael Barry, vice president, Media Relations, I.I.I. “But do contact your insurance professional with questions or concerns about your homeowners or renters insurance policy.” Your insurance policies provide financial protection for a ...

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 Insurance Institute for Business & Home Safety (IBHS) offers small business owners free, user-friendly resources that can help assure their business continuity, along with checklists to help them protect their business investments and property when bad or severe weather threatens. “No matter where in America they are located, small businesses face a significant risk from severe weather events. The good news is with some basic, thoughtful planning, these risks can be managed, reduced and often ...

Summer may be winding down, but historically, the worst part of hurricane season is just beginning. Fortunately, there are simple steps that you can take to protect your wallet, your property and even your life, according to the Insurance Information Institute (I.I.I.). September is the most common month for hurricanes making landfall in the U.S., followed by August and October, according to an analysis of weather data ranging from 1851 to 2011 by the National ...

Managing and growing a successful startup takes vision, passion—and the right type and amount of business insurance, according to the Insurance Information Institute (I.I.I.).  “Starting and maintaining a new business can be costly, but the last place business owners should cut corners is insurance,” said Loretta Worters, a vice president with the I.I.I. “Proper business insurance coverage can be critical to—and is often a requirement for—a startup’s success." Understanding the factors used by insurance companies to price a business ...

Auto insurance for teen drivers

Is there a newly licensed driver in your home? Reduce the stress by understanding the implications for your car policy For parents, the excitement of having a first-time driver in the house is usually tempered with worry. With little driving experience and raging hormones, immature drivers are at a higher risk for accidents. Of course, safety concern is uppermost in most parents' minds but other stressors—like the high cost of insuring your new driver and ...

Whether you own or lease a single business car or an entire fleet of commercial vehicles, you’ll need to purchase commercial auto insurance. Your insurance professional can help you weigh your risks and evaluate coverage options. But even with insurance in place, you’ll want to take steps to prevent accidents and protect your employees and vehicles. Your business can reduce the chance of an accident by establishing and enforcing the following practices and policies. Hard-and-fast driving ...

Where you travel, the vehicle rented, the rental contract and other factors can all impact coverage, so it really depends on the situation. Below is a general overview, as it relates to a Massachusetts Auto Policy (MAP), of issues to consider. A MAP is not worldwide. It only covers you in the U.S., it’s territories, Puerto Rico and Canada. As long as you have comprehensive and collision coverages on any of your own vehicles, ...

 

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.