With the accessibility of affordable technology, home-based businesses are on the rise. However, operating a business from home alters the risk factors and characteristics of your residence in the eyes of your homeowners insurance provider.
Borrowing or driving a friend’s car is common, yet we often overlook coverage considerations. It’s important to be aware of exclusions and conditions in auto policies, particularly regarding “regular use” and “business use” coverage issues.
Automobile accidents are a leading cause of death in the United States, especially among children and young adults, as reported by the National Highway Traffic Safety Administration. Many of these fatalities occur on freeways and highways, due to the high speeds involved.
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Flood preparedness goes beyond securing your home—it also means being financially ready. Many property owners underestimate their flood risk and the costs associated with flood damage. Investing in flood insurance and using tools like the Interactive Cost of Flooding Tool and the Animated Flood Risk Scenario Tool can help you assess potential impacts. Stay informed and take proactive steps to protect your family and finances before disaster strikes.
The Workers Compensation Rating and Inspection Bureau of Massachusetts (WCRIBMA) has introduced new payroll determinations for sole proprietors, partners, and LLC members, impacting premium calculations. Based on the Statewide Average Weekly Wage (SAWW), premiums are now determined by a formulaic approach, affecting new and renewal workers’ compensation business from October 1, 2015.
FasTrack service is available at select MA RMV branches, including Boston’s Haymarket, Worcester, Springfield, and more. This self-service kiosk allows eligible customers to take their own photo, complete transactions quickly, and receive a temporary credential, with the permanent license or ID mailed to their address.
A new law eliminates the surchargeable offense for not using headlights with windshield wipers. Though using headlights and taillights with wipers remains mandatory and enforceable, receiving a ticket won’t affect your driving record or insurance premium.
A new Connecticut law mandates that consumers be notified of a data breach within 90 days of discovery and requires at least one year of free identity theft protection for breaches involving Social Security Numbers. Attorney General George Jepsen emphasized that his office will continue to scrutinize breaches and take enforcement action against companies that unreasonably delay notification, even if they comply with the 90-day limit.
Massachusetts voters approved the Massachusetts Paid Sick Days Initiative on November 4, 2014, granting employees the right to earned paid sick leave. Effective July 1, 2015, the Earned Sick Time Law applies to most employers, though businesses must honor existing contracts or collective bargaining agreements with more generous leave policies.
Murphy Insurance Agency has worked closely with Mapfre|Commerce Insurance for decades. As Commerce Insurance transitions to the Mapfre brand, we want to reassure our customers that this change will not impact their insurance coverage. Feel free to reach out with any questions or concerns.
Murphy Insurance Agency provides insurance solutions across Massachusetts and New England. Where you live is not a barrier to our assisting you. We are proud to serve the communities where our customers live and work, including Acton, Ashland, Ayer, Bellingham, Berlin, Blackstone, Bolton, Boston, Boxborough, Boylston, Chelmsford, Clinton, Concord, Devens, Dunstable, Fitchburg, Foxborough, Framingham, Franklin, Groton, Harvard, Holliston, Hopedale, Hopkinton, Hudson, Lancaster, Leominster, Littleton, Lunenburg, Marlborough, Maynard, Medfield, Medway, Mendon, Milford, Millis, Millville, Natick, Norfolk, Northborough, Northbridge, Pepperell, Sherborn, Shirley, Shrewsbury, Southborough, Sterling, Stow, Sudbury, Townsend, Upton, Uxbridge, Wayland, Westborough, Westford, Weston, Whitinsville, Worcester, and last but not least, Wrentham.