Managing Insurance Costs…Understanding Deductibles, Frequency and Severity

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Effectively managing insurance costs extends beyond coverage limits, options, and premiums; it includes evaluating the deductibles you’re comfortable paying out of pocket.

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Murphy’s Corner…Delivering Value For You

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If you haven’t heard it often, we want to express our sincere gratitude for your business. Choosing Murphy Insurance means entrusting us with safeguarding what matters most in your life, whether personal, business, or both, and we are committed to delivering excellent value consistently.

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Get Proper Protection for your Home Business

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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.

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Are You Covered When You Borrow Someone’s Car?

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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.

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Exercise Care on Freeways

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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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It’s Peak Hurricane Season…Are You Financially Prepared?

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Excerpt:
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.

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MA Workers Comp Payroll Basis for Sole Proprieters & Partners, effective October 1, 2015

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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.

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MassRMV: FasTrack License Renewal Self-Service Kiosks

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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.

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Headlight & Windshield Wiper Law No Longer a Surchargeable Offense – July 17, 2015

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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.

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CT Passes Data Breach Notification Legislation

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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.

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