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Murphy Insurance News & Articles

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hands-free cell phone driving

New Hands-Free law goes into effect February 23 In an effort to reduce distracted driving to prevent accidents, injuries and deaths, the new law, An Act Requiring the Hands-Free Use of Mobile Telephones While Driving bans the hand-held use of cellphones and other electronic devices while driving. The law becomes effective February 23, 2020; therefore, now is the time to prepare and change habits. What drivers can and cannot do Under the new law: Drivers cannot use a mobile ...

Your renters insurance guide

What to look for when shopping for renters insurance If you rent a house or apartment and experience a fire or other disaster, your landlord’s insurance will only cover the costs of repairing the building. To financially protect yourself you will need to buy renters or tenants insurance. renters insurance protections Like homeowners insurance, renters insurance includes three key types of financial protection:  Coverage for personal possessions Liability protection Additional living expenses (ALE) The big difference is that renters insurance doesn't ...

Independent Contractors

  Does your business use “independent contractors”? If so, are you in compliance with Massachusetts Independent Contractor Law (MICL)? (M.G.L. c. 149, §148B) Established in 1990, the law initially focused on the construction industry; however, changes in 2004 created a very strict “three prong test”, which expanded implications to many other types of businesses. As a result, many businesses that have used “independent contractors” can no longer classify these workers as such. Three Prong Test In order ...

lawsuit protection

Liability insurance is for everyone. You don’t have to be a millionaire to be sued like one. The legal fees to defend yourself in a lawsuit can be financially crippling regardless of whether you’re ultimately found responsible or not. If found liable, you can’t predict what a judge or jury will award, but huge settlements are common especially when bodily injury is involved. In a serious accident the personal liability limits of an auto, home or renter ...

home insurance

Use these guidelines to protect your home and your assets with adequate insurance coverage If disaster strikes, you'll want enough homeowners insurance to rebuild the structure of your home, to help replace your belongings, to defray costs if you're unable to live in your home and to protect your financial assets in the event of liability to others. Use these guidelines to help determine the coverage and amounts you need. Determine how much insurance you need ...

home water damage

Water damage is among the most common reasons for making a property damage claim. Home, condominium, renter insurance and commercial property policies cover a variety of types of property damage caused by water. However, not every instance of water damage is covered by insurance. Damage being covered by a policy can depend on the cause of water damage and the type of policy you have, and whether or not you’ve purchased optional coverages. Water damage causes Causes of water damage can be ...

party etiquette

  A good host is a responsible host when it comes to serving alcohol Parties and social gatherings are often a big part of the holiday season. But hosts who serve alcohol should take steps to limit their liquor liability and make sure they have the proper insurance, according to the Insurance Information Institute (I.I.I.). Social host liability, the legal term for the criminal and civil responsibility of a person who furnishes liquor to a guest, can have ...

Rental car insurance

car rental

Protect yourself while renting—without wasting money If you're looking to rent a car, depending on your needs and location, there are a number of alternatives—the traditional brick-and-mortar companies, peer-to-peer car services and car sharing programs—each with its own insurance parameters. It pays to understand your existing coverage first, and then look at your rental insurance options. No matter what company or what kind of company you're renting from, the most important step is to read and ...

ToysforTotsTrainLogo-BIG.jpg

Join us in making the holiday happier for kids in need.  Drop off a toy by Tuesday, December 10. Murphy Insurance Agency is again holding a Toys for Tots Drive and is reaching out to customers and the community for donations to help kids and families in need this 2019 holiday season. Donations of new, un-wrapped toys are needed for children ages newborn to 12 years. Drop off your donation of a new, non-wrapped gift at any of ...

host liquor liability

Do you sponsor corporate functions, holiday parties, meetings or other social events where alcoholic beverages are served? Do you rent to tenants who sell or serve alcohol? If so, you need to be aware of liquor liability exposures and the extent of coverage provided by your insurance for claims related to selling, serving or furnishing alcoholic beverages. A Commercial General Liability (CGL) policy contains language that excludes liquor liability coverage if your company or organization is ...

 

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.