Our response to COVID-19 in an effort to reduce the spread of the virus, Murphy Insurance will be modifying our office hours for the duration. Only if an appointment is necessary will we open the office, but only within the rules and guidelines from W.H.O. and our governing bodies. Anyone requesting an appointment must not do so if they have any cold or flu symptoms and we reserve the right to not meet during the quarantine period. In an effort to protect our employees and the public we will continue to operate from home offices, as such there will be limited staff during this time.   We appreciate your patience as we work together during this unprecedented time. As an essential service we are OPEN for business. Thank you


Business & Commercial Insurance

As a business owner you know what it feels like to be pulled in every direction. 

At Murphy Insurance we want to make the insurance process as seamless and efficient as possible for you. We achieve this by not being everything to everyone or a generalist brokerage. Instead, we are a boutique brokerage focused on solid advice and building our commercial business, one satisfied customer at a time. Being specialized allows us to dedicate all our time and resources to you the business owner.

Below is a list, but not limited to, of business segments where we can help our customers in developing the right business insurance package.

Manufacturing

Tool & Die Shops, Metal Stamping, Metal Moulds, Machine Shops, Metal Fabrication, Auto Parts (with US Sales)

Does your policy have these key coverages: Equipment Breakdown, Product recall, Business Interruption and Extra Expense, Contingent Business Interruption, Cyber or Privacy Breach Coverage, Blanket Coverage, Property in Transit Protection, Catch-All Coverage

Wholesalers

Hardware Goods, Plumbing/heating supplies, Housewares, Lawn & Garden supplies, Clothing, Floor Coverings, Draperies, Non-critical Auto parts

Does your existing policy have these key coverages: Stock spoilage, Crime/Employee Dishonesty, Business Interruption and Extra Expense, Contingent Business Interruption, Product Recall, Cyber or Privacy Breach Coverage, Blanket Coverage, Peak Season Protection, Property in Transit Coverage, Bailee’s Coverage, Catch-All coverage

Contractors

General contractors, Electrical, Heating/Air Conditioning, Plumbing, Carpentry, Painting & Decorating, Landscapers, Tile Work, Plastering/drywall, Grading of Land, Swimming Pools, Sheet Metal, Masonry/Bricklaying, Roofing, Concrete Flooring, Steel Buildings, Road Construction/Paving, Grading of land/Excavators

Does your existing policy have these key coverages: Equipment and tool floaters, Installation floater, Pollution coverage, Errors and Omissions Liability, Faulty Work Liability, Crane & Hoist Liability, Coverage for Rented Equipment, Property Coverage while Waterborne, Extra Expense, Builder’s Risk Coverage

Building Owner

Industrial Plazas, Office Buildings, Commercial Plazas, Retail Plazas, Apartment Buildings, Condominium Buildings

Does your existing policy have these key coverages: Comprehensive or Broad Ford, Replacement Cost, Rental Replacement, Equipment Breakdown, Landlord liability, Directors and Officers (for condo Corps and shareholders), Blanket Coverage, Flood, Earthquake

Garage/Body Shops

Transmission Shops, Auto glass Shops, Brakes, Mufflers, Oil Changes, Radiators, Auto Repair, Truck Repair

Does your existing policy have these key coverages: Hoist Liability and Collision, Garage Auto policy, Bailees coverage, pollution coverage, Business Interruption and Extra Expense, Personal Property of Employees

Professional Office Packages

Lawyers, Engineers, Dentists, Doctors, Accountants, Brokers, Architects etc.

Does your existing policy have these key coverages: Professional liability, Abuse Coverage, Employment Practices Liability, Identify Theft Expense, Functional Replacement Cost for Equipment, Business Interruption, Extra Expense and Contingent Business Interruption, Cyber or Privacy Breach Coverage

Retail Store Packages

Almost every type of store including online stores and restaurants (Some retail exclusions apply)

Does your existing policy have these key coverage:  Business Interruption and Extra Expense, Blanket Coverage, Sewer Back-Up, Flood, Earthquake, Crime Coverage (3D policy), Infestation Coverage, Contingent Business Interruption, Goods on Consignment Coverage, Bailees Coverage

Umbrella Liability

This coverage is available to every type of business. It increases your liability limit over your commercial and commercial auto policies for risks where liability could be significant in a claim. For example if you have a 2 million liability commercial policy and a 2 million dollar commercial auto policy you can purchase a 8 million dollar “umbrella” to go over top of both policies which would increase your liability limit to 10 million should a liability claim go over 2 million. 

Surety

This is available for general contractors and builders or anyone who is required to guarantee their undertaking of a job to perform a duty and pay their debts for a job ie: Performance bonds/Bid Bonds