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Articles about general business insurance

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Business interruption insurance can be as vital to your survival as a business as fire insurance. Too many small business owners fail to think about how they would manage if a fire or other disaster damaged their business premises so that they were temporarily unusable. Business interruption coverage is not sold separately. It is added to a property insurance policy or included in a package policy. Take a few moments to consider if you'd be able to continue business without this protection.

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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.

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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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Several changes related to employee health insurance have occurred that employers need to be aware.  Revised model COBRA notices Federal regula... Read more >

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Murphy Insurance Agency is sponsoring its annual Toys for Tots Drive and is reaching out to the community for donations to help kids and families in n... Read more >

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If you're running a business from your home, you may not have enough insurance to protect your business equipment. A typical homeowners policy provide... Read more >

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New OSHA regulations effective June 16, 2011. Falls are the leading cause of death for workers engaged in residential construction. On December 16, ... Read more >

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Does your business collect “personal information” such as storing credit card numbers, logging personal check information or maintaining e... Read more >

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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.