Bill Murphy Insurance Services Inc | Sonora Ca

AUTO INSURANCE | AUTOMOBILE INSURANCE| CAR INSURANCE

Let us be your car insurance agent of choice. We give you affordable auto insurance rates and discounts, plus maximum benefits and unmatched service at Bill Joe Murphy Insurance Services

Auto Insurance | Automobile Insurance | Car Insurance

We want to be your car insurance agent of choice. We offer affordable auto insurance rates and discounts, plus maximum benefits and unmatched service at Bill Joe Murphy Insurance Services.

Our insurance agents want to make sure that your auto insurance policy fits your exact needs. From work trucks to classic cars, from minivans to convertibles; we can provide an insurance policy that actually protects your car.

Typical auto insurance quotes include the following coverage types:

Liability

insurance for property damage and injuries to others caused by you while operating your vehicle.

Medical

coverage for the driver and occupants of the insured vehicle.

Collision

insures the owner from loss during a collision with another vehicle.

Comprehensive

protection from damage caused by things other than vehicle collision.

Other coverage can be added for specific vehicle needs like: antique automobiles, classic cars, high performance cars, and more.

If you are in need of affordable or low cost auto insurance contact us by using our simple auto insurance quote form or call our office. One of our local insurance professionals will be happy to explain your coverage options and give you a free auto quote today.

As one of the most trusted insurance agencies, Bill Joe Murphy Insurance Services is committed to serving all of the diverse insurance needs of individuals, families and businesses. From low cost auto insurance to something as complex as a commercial long haul trucking company— we strive to provide our customers with the highest quality coverage/protection they need and deserve.

At Bill Joe Murphy Insurance Services we take the time to truly recognize your insurance needs so that your personal assets are protected at the most competitive rates—and most importantly, our comprehensive solutions cover a wide range of risk.

Discounts that could significantly lower your insurance premium aren't the only reason to place your insurance policies with us. Competitive pricing, customer service, and peace of mind are more reasons to put us to work for you. We'll help you design a policy to meet your needs. We'll show you what coverage may be available and how to get the personalized protection you need. The fact is that things change, times change, and chances are your policy may need to be updated to meet your changing lifestyle. You've worked hard to get where you are, and you have a lot to look out for. You deserve the right policy at the right price.

Bill Joe Murphy Insurance Services wants to be here for you to meet all of your insurance needs. Our extensive experience has enabled our dedicated agents to manage multiple policy lines all while saving you valuable time and money.

Remember, we are licensed in most western states (CA, WA, OR, NV, AZ, KS and Texas) so we can help you! One of our dedicated independent agents will always be happy to serve you! With the wonders of modern technology on our side, we can easily help you no matter where you live. Contact Bill Joe Murphy Insurance Services to discover your best insurance options today!

SR22 INSURANCE

SR22 Insurance | Bill Joe Murphy Insurance Services

Getting a DUI or DWI can be one of the most traumatic events in your life. Once your driving privileges have been suspended by the DMV or the court there isn't a lot of direction or instruction by anyone how to reinstate your driver's license. It can feel like a catch-22 where you can't get your license without an SR-22, but you can't get insurance (and an SR-22) without getting your license. We take the mystery out of getting your license reinstated by giving you as much information about SR filings. We offer a guide for getting your license back as quickly and inexpensively as possible.

By the time most people search for an SR-22 they have already been to court, to their DMV hearings or both. The DMV usually orders everyone that has been charged with a DUI to get an SR-22. Sometimes the DMV orders unlucky drivers to get an SR-22 when they become a “negligent operator”, by accumulating too many violations or accidents within a certain period of time.

What is an SR22 Insurance?

An SR22 is simply a filing that your auto insurance company files with the DMV that lets them know you carry an active auto insurance policy. It's required when the DMV decides to allow a person driving privileges only if they carry valid auto insurance. An SR22 filing allows the DMV to keep track of your auto insurance as the insurance companies are required to notify the DMV anytime your coverage becomes inactive. Usually, the DMV will require an SR22 insurance policy to be carried for a term of 3 years, if at any time during these 3 years your SR22 gets cancelled, the DMV will suspend your license pending proof of an active SR22 policy as well as another reinstatement fee.

Reasons a SR22 may be required

Drivers require proof of insurance filing form SR 22 mainly after being booked for a DUI or being involved in an accident without proper liability insurance. SR22 filing is mandatory in most states to reinstate your license after being suspended for any of the above reasons. The SR22 form is issued by your insurance company and is filed with the DMV allowing driving privileges to be reinstated given that all other DMV requirements have been met. In DUI cases, the DMV will likely require enrollment or completion of a DUI course in addition to an SR22.

Whether you are a preferred driver looking for cheap car insurance rates or a high risk driver required to file Form SR-22, Bill Joe Murphy Insurance Services can help.

As one of the area's most trusted insurance agencies Bill Joe Murphy Insurance Services is committed to serving all of the diverse insurance needs of individuals, families and businesses. We strive to provide our customers with the highest quality coverage/protection they need and deserve.

At Bill Joe Murphy Insurance Services we take the time to truly recognize your insurance needs so that your personal assets are protected at the most competitive rates—and most importantly, our comprehensive solutions cover a wide range of risk.

Discounts that could significantly lower your insurance premium aren't the only reason to place your insurance policies with us. Competitive pricing, customer service, and peace of mind are more reasons to put us to work for you. We'll help you design a policy to meet your needs. We'll show you what coverage may be available and how to get the personalized protection you need. The fact is that things change, times change, and chances are your policy may need to be updated to meet your changing lifestyle. You've worked hard to get where you are, and you have a lot to look out for. You deserve the right policy at the right price.

Bill Joe Murphy Insurance Services wants to be here for you to meet all of your insurance needs. Our extensive experience has enabled our dedicated agents to manage multiple policy lines all while saving you valuable time and money.

Remember, we are licensed in most western states (CA, WA, OR, NV, AZ, KS and Texas) so we can help you! One of our dedicated independent agents will always be happy to serve you! With the wonders of modern technology on our side, we can easily help you no matter where you live. Contact Bill Joe Murphy Insurance Services to discover your best insurance options today!

CLASSIC CAR INSURANCE

A collectible automobile is the result of a number of factors – hard work, painstaking body work, parts procurement, and precision mechanical work. In many regards, the value of a collectible car is immeasurable. How can you put a premium on all the hours of work that went into restoring and refinishing a classic car? At Bill J Murphy Insurance Services, we understand our classic car insurance may not be able to replace the time you invested, but we can certainly reimburse you for its value.

In addition to exceptional liability, Our Classic Car Auto Insurance coverage can provide you with the following services:

24 Hour Towing

24 Hour Policy Access

Extended liability (for car shows and showcases)

Contact Bill J Murphy Insurance Services today and one of our skilled agents will be happy to explain our Classic Car Insurance in more detail.

As one of the area's most trusted insurance agencies, Bill J Murphy Insurance Services is committed to serving all of customers diverse insurance needs. We strive to provide our customers with the highest quality coverage/protection they need and deserve.

Read more

Bill J Murphy Insurance Services wants to be here for you to meet all of your insurance needs. Our extensive experience has enabled our dedicated agents to manage multiple policy lines all while saving you valuable time and money.

Remember, we are licensed in most western states (CA, WA, OR, NV, AZ, KS and Texas) so we can help you! One of our dedicated independent agents will always be happy to serve you! With the wonders of modern technology on our side, we can easily help you no matter where you live. Contact Bill Joe Murphy Insurance Services to discover your best insurance options today!

HOMEOWNERS INSURANCE

Purchasing homeowners insurance can get confusing, and at Bill Joe Murphy Insurance Services we understand this. Many mortgage companies require it as part of their finance agreements with home owners. If you are faced with the sometimes daunting task of shopping for homeowners insurance, you can place your trust in Bill J Murphy Insurance Services, we are an independent insurance agency that can shop multiple carriers to get you the best home insurance policy available to you!

Homeowners insurance can be confusing, and hard to navigate. At Bill Joe Murphy Insurance you can trust our commitment to helping you find the best and easiest way to find coverage for you and your family home.

Homeowner's insurance coverage doesn't have to be difficult to understand. Typically, a basic homeowner's insurance policy will cover the following:

The structure of your home
Replacement costs
Personal possessions (up to a set limit)
Living expenses in case of a disaster
Liability

You can also have supplemental insurance policies such as:

Valuable Articles/Floater policies (i.e. Jewelry Insurance)
Flood policies
Earthquake policies
Umbrella policies (additional liability)
Animal Liability (liability issues due to household pets)

The needs of every home owner are different and your homeowners insurance policy should reflect that. The agents at Bill J Murphy Insurance Services will create a homeowners insurance policy that will best suit you and your family. Contact us today for more information on our comprehensive homeowners insurance policy options or fill out our quick and simple online form for a free homeowners insurance quote!

As one of the area's most trusted insurance agencies, Bill Joe Murphy Insurance Services is committed to serving all of the diverse insurance needs of our customers. We strive to provide our customers with the highest quality coverage/protection they need and deserve.

At Bill Joe Murphy Insurance Services we take the time to truly recognize your insurance needs so that your personal assets are protected at the most competitive rates—and most importantly, our comprehensive solutions cover a wide range of risk.

VACATION HOME INSURANCE

Vacation Home Insurance | Bill Joe Murphy Insurance Services

It's always nice to get away, especially if you have a vacation home to get away to. Once considered a luxury of the super-wealthy, vacation homes have become more and more popular with middle-class families. The problem is finding home owners insurance that is not only affordable, but also comprehensive.

We understand finding affordable rates and worthwhile plans can be time-consuming – and exhausting. To better serve your needs – and your budget – we can find you viable vacation home insurance that can be folded into an umbrella or combination policy. That way we can get you the coverage you need and a low monthly premium that is sure to make you happy.

Simply call our office or fill out our quick and simple online form to learn how Bill Joe Murphy Insurance Services can keep you safe and secure with a Vacation home insurance policy.

As one of the most trusted insurance agencies, Bill Joe Murphy Insurance Services is committed to serving all of the diverse insurance needs of our customers. We strive to provide our customers with the highest quality coverage/protection they need and deserve.

At Bill Joe Murphy Insurance Services we take the time to truly recognize your insurance needs so that your personal assets are protected at the most competitive rates—and most importantly, our comprehensive solutions cover a wide range of risk.

Discounts that could significantly lower your insurance premium aren't the only reason to place your insurance policies with us. Competitive pricing, customer service, and peace of mind are more reasons to put us to work for you. We'll help you design a policy to meet your needs. We'll show you what coverage may be available and how to get the personalized protection you need. The fact is that things change, times change, and chances are your policy may need to be updated to meet your changing lifestyle. You've worked hard to get where you are, and you have a lot to look out for. You deserve the right policy at the right price.

Bill Joe Murphy Insurance Services wants to be here for you to meet all of your insurance needs. Our extensive experience has enabled our dedicated agents to manage multiple policy lines all while saving you valuable time and money.

LUXURY HOME INSURANCE

Luxury Home Insurance | Bill Joe Murphy Insurance Services

A substantial portion of your wealth is invested into your home. More than conventional homes – and home insurance – luxury homes often need specialized coverage plans and risk-management contingencies. Every home has an intrinsic value, but some homes are more valuable than others. For these homes, Bill Joe Murphy Insurance Services is proud to offer comprehensive Luxury Home Insurance.

Our Luxury Home Insurance is designed for:

Homes valued over $1 million
Estates with multiple dwellings (for onsite servants)
Homes with high-value items on display

Bill Joe Murphy Insurance Services provides luxury homeowners with unparalleled coverage. We are proud to be based in California, but the coverage we offer expands beyond our borders and we serve customers' needs in many other states.

As one of the area's most trusted insurance agencies, Bill Joe Murphy Insurance Services is committed to serving all of the diverse insurance needs of our customers. We strive to provide our customers with the highest quality coverage/protection they need and deserve.

At Bill Joe Murphy Insurance Services we take the time to truly recognize your insurance needs so that your personal assets are protected at the most competitive rates—and most importantly, our comprehensive solutions cover a wide range of risk.

Discounts that could significantly lower your insurance premium aren't the only reason to place your insurance policies with us. Competitive pricing, customer service, and peace of mind are more reasons to put us to work for you. We'll help you design a policy to meet your needs. We'll show you what coverage may be available and how to get the personalized protection you need. The fact is that things change, times change, and chances are your ... Read more

RENTAL PROPERTY INSURANCE

Our dedicated agents make choosing Rental Property Insurance easy. We will analyze your needs and explain your options in a clear, understandable way while saving you time and money in the process. Bill Joe Murphy Insurance Services, makes it quick and easy to find the Rental Property policy you need at the rate you deserve.
Rental Property Insurance coverage can protect your rental property from fire damage and yourself from legal and personal liability. With Rental Property Insurance through Bill Joe Murphy Insurance Services, you can rent your property with confidence.

Rental Property Insurance| Bill Joe Murphy Insurance Services

Rental Property policies cover houses & structures that are not occupied by the owner
A homeowners insurance policy will NOT cover damages to a home that the policy holder is not living in
Rental Property insurance covers all fixed structures such as the home itself, the foundation, cabinets, walls, countertops, etc.
Most Rental Property policies DO NOT cover personal property because the policy holder is not an occupant of the home
Rental Property policies can be written for other structures on the property also such as sheds, unattached garages, barns, pagodas, greenhouses
If a fire leaves your home unable to rent, a Rental Property policy will cover up to a year's rent for the vacancy

Bill Joe Murphy Insurance Services will shop the top carriers in the country to find you a Rental Property policy that is both affordable and reliable. Call our office or fill out the quick and simple form to receive a Rental Property quote today.

Remember, we are licensed in most western states (CA, WA, OR, NV, AZ, KS and Texas) so we can help you! One of our dedicated independent agents will always be happy to serve you! With the wonders of modern technology on our side, we can easily help you no matter where you live. Contact Bill Joe Murphy Insurance Services to discover your best insurance options today!

COMMERCIAL INSURANCE

Anyone can make a mistake, but when you make a mistake at work it can cause loss or worse. Professional liability insurance will make these large mishaps less painful. Protect your business or in-home business or owners policy from financial losses for lawsuits.

Bill Joe Murphy Insurance Services has specialists available to service all of your Commercial insurance, Professional Liability Insurance / Errors & Omissions Insurance, General Liability Insurance needs. We have hundreds of carriers waiting to compete for your business. You owe it to yourself to compare rates and products before you buy. Let Bill Joe Murphy Insurance Company service all your Insurance needs.

PROFESSIONAL LIABILITY INSURANCE / ERRORS & OMISSIONS

Professional Liability Insurance | Bill Joe Murphy Insurance Services

If your company has the ability to make an error or omission that could result in big monetary loss, you should consider purchasing professional liability insurance. No company is immune from a mistake that could cause a lawsuit or put it under. Professional liability insurance will make these large mishaps less painful.

Professionals that operate their own businesses need professional liability insurance in addition to an in-... Read more

Errors & Omissions, or E&O, protects clients from liability resulting from errors or omissions in the performance of professional duties. Errors & Omissions is applicable as a general rule to professional business activities such as banking, accounting, law, insurance and real estate.

An error and omission, a mistake, which causes financial harm to another can occur on almost any transaction in any profession. This type of insurance helps to protect a professional, an individual or a company, from bearing the full cost of defense for lawsuits relating to an error or omission in providing covered professional services. This is a separate coverage from a standard general liability or property insurance policy.

Errors and omissions insurance may be appropriate for anyone who gives advice, makes educated recommendations, designs solutions or represents the needs of others such as teachers, consultants, software developers, ad copywriters, web designers, placement services, telecommunication carriers or inspectors. This coverage focuses on the failure to perform, financial loss and error or omission of the products or services sold.

§ Architects
§ Real Estate Agents or Brokers
§ Teachers
§ Consultants

§ Software Developers
§ Ad Copywriters
§ Web Designers

§ Placement Services
§ Telecommunication Carriers
§ Inspectors

§ Third Party Administrators
§ Doctors
§ Any Business Professional

Professional liability insurance is a specialty coverage. Professional liability coverage is not provided under homeowners endorsements, in-home business policies or business owners policies (BOPs).

Don't let incorrect advice or opinions turn into large lawsuits. Protect your business. Contact New Horizon Insurance Services for a free quote and an evaluation of your businesses needs.

As one of the area's most trusted insurance agencies, Bill Joe Murphy Insurance Services is committed to serving ...

Bill Joe Murphy Insurance Services wants to be here for you to meet all of your insurance needs. Our extensive experience has enabled our dedicated agents to manage multiple policy lines all while saving you valuable time and money.

GENERAL LIABILITY INSURANCE

Does your business have enough liability coverage?

If you are relying on the liability coverage provided through a Business Owner's Policy (BOP), then chances are you do not have enough. Although a BOP does provide liability coverage for businesses, it is often at a small limit and not enough to cover costs due to claims and lawsuits.

General Liability | Bill Joe Murphy Insurance Services

Does your business have enough liability coverage?

It is important to know which market your business falls into before you shop for liability insurance. Those businesses that fall into the “excess surplus market” (i.e. “dangerous” occupations such as roofers, siders, etc.) have to purchase excess and surplus liability insurance provider. If your business falls into the “standard market” (i.e. technology companies, lawyers, etc.) then your business will easily qualify for general liability insurance from our huge selection of preferred carriers.

General Liability | Bill Joe Murphy Insurance Services

General liability insurance protects your business from a variety of things. Typically, your insurance agent can create a customized policy for you to include different types and amounts of coverage. The following coverages are often included with general liability:

Business Personal Property (BPP)

Protection of your business' property from:

Fire
Theft
Vandalism
Claims due to:
Bodily injury
Property Damage
Terrorism coverage
And more….

For all intents and purposes, you simply can't do business without a General Liability policy in place. Without this vital coverage, your small or medium-sized business would be liable for any damage or injuries stemming from a product or service your company provided.

This means you could be liable for injuries resulting from slips and falls, construction defects, faulty packaging, broken seals, spoiled goods, misleading advertising, slips, accidents, or freshly mopped floors. When you consider any one of these contingencies could result in a multi-million dollar lawsuit, you can begin to see how vital General Liability Insurance is. General Liability insurance protects a business from many liability issues, but business owners should also consider adding specialized liability coverage like E &O (Errors & Omissions Insurance or EPLI (Employers Practices Liability Insurance).

Contact Bill Joe Murphy Insurance Services for information on any of the business insurance lines we offer.
As one of the area's most trusted insurance agencies, Bill Joe Murphy Insurance Services is committed to serving all of the diverse insurance needs of our customers— we strive to provide our customers with the highest quality coverage/protection they need and deserve.

At Bill Joe Murphy Insurance Services we take the time to truly recognize your insurance needs so that your personal assets are protected at the most competitive rates—and most importantly, our comprehensive solutions cover a wide range of risk.

Discounts that could significantly lower your insurance premium are not the only reason to place your insurance policies with us. Competitive pricing, customer service, and peace of mind are more reasons to put us to work for you. We'll help you design a policy to meet your needs. We'll show you what coverage may be available and how to get the personalized protection you need. The fact is that things change, times change, and chances are your policy may need to be updated to meet your changing lifestyle. You have worked hard to get where you are, and you have a lot to look out for. You deserve the right policy at the right price and provided by an experienced agent who fully understands your needs.

Bill Joe Murphy Insurance Services wants to be here for you to meet all of your insurance needs. Our extensive experience has enabled our dedicated agents to manage multiple policy lines all while saving you valuable time and money.

Remember, we are licensed in most western states (CA, WA, OR, NV, AZ, KS and Texas) so we can help you! One of our dedicated independent agents will always be happy to serve you! With the wonders of modern technology on our side, we can easily help you no matter where you live.

Contact Bill Joe Murphy Insurance Services to discover your best insurance options today!

WORKER'S COMPENSATION INSURANCE

At Bill Joe Murphy Insurance Services, we understand your profession like few others can, and know the kind of contractor or construction insurance that you need to cover your assets. Whatever your size, specialty, or insurance need, you can find what you're looking for at Bill Joe Murphy Insurance Services. For years our agents have specialized in the contracting and construction business, focusing on general contractors and subcontractors of all types. With our special contractor or construction insurance programs and access to markets, Bill Joe Murphy Insurance Services continually saves time and money for our contractor and construction clients.

CONTRACTORS INSURANCE

What types of Contractor or Construction businesses does Bill Joe Murphy Insurance Services cover?

Developers
Janitorial
Framers
Drywall

Painters
Electrical
Engineering & roadwork
Mechanical

Plumbing
Roofing
Landscapers

What types of Contractor or Construction businesses does Bill Joe Murphy Insurance Services cover?

Package/liability
Design errors & omissions
Products/completed operations
Pollution
Inland marine

Property/cargo
Workers compensation
Crime
Auto liability
Fiduciary liability

Credit
Terrorism
Directors and officers liability
Employment practices liability

At Bill Joe Murphy Insurance Services we specialize in providing our clients the lowest possible prices on general liability insurance, contractor's liability insurance, workman's comp insurance, equipment and tool coverage, commercial auto insurance, excess policies, and of course, construction insurance – all without compromising on service. We can tailor coverage to your specific situation, and for smaller contractors we can even process coverage and usually send proof of contractor's insurance the same day.

Keeping up with the construction industry is a full time job. But we deal with contractor's insurance, liability insurance and workman's comp insurance every day, allowing us to stay on top of this constantly changing market. Our agents also regularly attend workshops and professional training to keep up with the latest changes, guaranteeing that you'll receive the best policy available to you. Plus the fact that we are fully automated allows us to provide the most efficient reputable and professional service.

Don't risk everything you've worked for! Protect yourself against lawsuits with contractor's insurance. Let us examine your business and offer you an affordable and comprehensive coverage solution. Because we're not aligned with any one insurance company, we are able to match you up with the contractor's insurance company offering the best coverage to meet your contractor liability insurance needs at the most competitive price.

As an independent agency, we only work with a carefully selected group of financially sound, reputable insurance companies that will offer the best and most complete package for each individual contractor. We work for you.
As one of the area's most trusted insurance agencies, Bill Joe Murphy Insurance Services is committed to serving all of the diverse insurance needs of our customers. We strive to provide our customers with the highest quality coverage/protection they need and deserve.

At Bill Joe Murphy Insurance Services we take the time to truly recognize your insurance needs so that your personal assets are protected at the most competitive rates—and most importantly, our comprehensive solutions cover a wide range of risk.

Discounts that could significantly lower your insurance premium aren't the only reason to place your insurance policies with us. Competitive pricing, customer service, and peace of mind are more reasons to put us to work for you. We'll help you design a policy to meet your needs. We'll show you what coverage may be available and how to get the personalized protection you need. The fact is that things change, times change, and chances are your policy may need to be updated to meet your changing lifestyle. You've worked hard to get where you are, and you have a lot to look out for. You deserve the right policy at the right price.

Bill Joe Murphy Insurance Services wants to be here for you to meet all of your insurance needs. Our extensive experience has enabled our dedicated agents to manage multiple policy lines all while saving you valuable time and money.

Remember, we are licensed in most western states (CA, WA, OR, NV, AZ, KS and Texas) so we can help you! One of our dedicated independent agents will always be happy to serve you! With the wonders of modern technology on our side, we can easily help you no matter where you live. Contact Bill Joe Murphy Insurance Services to discover your best insurance options today!

SURETY BONDS

Why do I need a surety bond for my business?

As a business owner, you may need a surety bond to guarantee payment for state sales taxes or utility bills.
Or as a contractor, you may need to post a license or permit surety bond to guarantee your work for licensing requirements with municipalities.
Attorneys may have clients that are required to post specific surety bonds, such as; court bonds aka. administrators or executors bonds to guarantee their performance while distributing assets in estate situations.
Notary publics are required to post a surety bond in most states.
Surety Bonds may also guarantee a broad range of construction projects and ensure projects are completed on schedule and all parties are adequately compensated.
Contract bonds guarantee the performance of a written contract according to its terms and conditions.

** Due to the nature of contract surety bonding, contract bonds require extensive underwriting. We recommend contacting us here at Bill Joe Murphy Insurance Services at least one month before bidding on a contract.

Types of Contract Bonds:

Bid bond
Performance bond
Payment bond

A Bid bond guarantees that if a contractor is the low bidder on a project, he/she will enter into a contract and provide a Performance bond. A Performance bond guarantees the contract will be completed according to its terms and conditions. A Payment bond guarantees payment of laborers, subcontractors, and material suppliers.

Example: An electrical contractor may need contract bonds to guarantee the performance of construction contract or to guarantee the supply of goods and materials. Most public works projects required Bid, Performance, and Payment bonds from the contractor. These bonds will guarantee the contractor's performance according to the terms of the contract with the project owner. To learn the specifics of our Bond services for large companies and contracting services, feel free to call and speak to any of our dedicated agents today.

License & Permit Bonds

License bonds guarantee the Principal will comply with applicable codes and regulations established by the Obligee. (The Obligee is usually a government entity such as a City, Town, or State.) Permit bonds grant a Privilege.

Types of License & Permit Bonds include:

Electrician's license
Plumber's license
General Contractor's license

Driveway permit
Sign permit
Sales tax

Example: Electrical contractors may be required to post a bond as part of their licensing requirements. The obligation of the bond may specify that the contractor will follow the electrical codes established in that city, town, or municipality. The requirements of the bond and ordinance must be understood before the bond is written. The agent may ask you to obtain a copy of the ordinance or law that specifies the requirements and a copy of the bond, if the Obligee has its own. Depending upon the type of obligation, supporting documentation such as signatures, financial statements, and other supplemental information may be required.

Schedule Fidelity Bond

Used in businesses where employees tend to have greater responsibilities combined with the handling of larger sums of money (real estate managers, bookkeepers, office managers)
Applicable to a few or only selected employees
Covered employees will be scheduled or named by position
Employees can be bonded for different amounts
Limit of liability is per name/position scheduled

Premiums are based on the amount of coverage, number of individuals scheduled, the amount of coverage for each person listed, the business activities of the insured, and the deductible amount.

Blanket Fidelity Bond

Covers ALL EMPLOYEES of the named insured unless specifically excluded
New employees are automatically covered
All employees are bonded for the same aggregate amount
Limit of liability applies “per occurrence” as defined in the policy

Premiums are based on the amount of coverage requested, the total number of ALL employees, the business activities of the insured, and the amount of the deductible. Common uses for a Blanket Bond would be:

Businesses with large numbers of employees
Businesses with frequent employee turnover
Organizations with voluntary or honorary positions (not for profit associations)

Public Official Bonds

A Public Official bond guarantees that elected or appointed officials will faithfully perform their duties. The bond amount, as well as duties, are usually specified by statute or ordinance.

Types of Public Official Bonds include:

Treasurers
Tax Collectors
Peace Officers
Judges
Hunting & Fishing license agents
Notaries

It should be noted that not all public entities require Public Officials to be bonded. Underwriting aspects of Public official bonds include understanding the duties required of the Official, the reputation (character) of the official, and experience of the official.

Read more

UMBRELLA INSURANCE

What does Umbrella Insurance cover?Liability issues are everywhere and you never know what could cause someone to present you with a lawsuit. Umbrella Insurance policies protect you from liability issues that go beyond the liability limits of standard insurance policies, such as your homeowner's insurance, car insurance, etc. This policy literally puts you under its umbrella so that when you exceed the liability coverage limits on an insurance line, you will still be protected.

Most liability coverage that rests within your current insurance policies only covers bodily injury and property damage to others. Umbrella policies will extend those limits to not only provide additional coverage for bodily injury and property damage, but also to cover things that are not listed under regular liability allowances. Every policy is different, so what is considered a covered liability issue under one insurance line may not be covered on another insurance line. Umbrella Insurance kicks in when these situations present themselves and/or you exceed the amount of liability coverage for the events that are already allowed under your regular insurance policies.

Why should you purchase Umbrella Insurance?

You may not think you need an umbrella policy, but consider this: What happens to you and your family's assets should you be sued for something that occurred at your home and the legal costs of the lawsuit greatly exceed the liability coverage defined by your homeowner's policy? Who will pick up the tab if you are responsible for a multi-car accident and your liability costs exceed the limits on your car insurance by thousands of dollars? Although these kinds of things may be few and far between, you cannot be too careful. Umbrella Insurance is typically purchased at a low cost to you, but will provide enough coverage to where you may not have to worry about liability costs in the future.

Contact Bill Joe Murphy Insurance Services today for more information on umbrella policies and to get a free quote!

At Bill Joe Murphy Insurance Services we take the time to truly recognize your insurance needs so that your personal assets are protected at the most competitive rates—and most importantly, our comprehensive solutions cover a wide range of risk.

Discounts that could significantly lower your insurance premium aren't the only reason to place your insurance policies with us. Competitive pricing, superior customer service, and peace of mind are more reasons to put us to work for you. We'll help you design a policy to meet your needs. We'll show you what coverage may be available and how to get the personalized protection you need. The fact is that things change, times change, and chances are your policy may need to be updated to meet your changing lifestyle. You've worked hard to get where you are, and you have a lot to look out for. You deserve the right policy at the right price.

Remember, we are licensed in most western states (CA, WA, OR, NV, AZ, KS and Texas) so we can help you! One of our dedicated independent agents will always be happy to serve you! With the wonders of modern technology on our side, we can easily help you no matter where you live. Contact Bill Joe Murphy Insurance Services to discover your best insurance options today!

LIFE & HEALTH INSURANCE

At Bill Joe Murphy Insurance we have specialists to better serve all of your individual health insurance and group needs. We have hundreds of carriers ready for help you find the best coverage

Bill Joe Murphy Insurance Services has specialists available to service all of your individual health insurance, group health insurance, life insurance and group life insurance needs. We have hundreds of carriers waiting to compete for your business. You owe it to yourself to compare rates and products before you buy. Let Bill Joe Murphy Insurance Company service all your Insurance needs.

INDIVIDUAL HEALTH INSURANCE, FAMILY HEALTH INSURANCE

Individual Health Insurance | Bill Joe Murphy Insurance Services

Individual health insurance provides coverage for people and families who don't have a health insurance policy through an employer or government program.

When you apply for individual health insurance coverage or family health insurance coverage, you'll be asked to provide health information about yourself and/or any family members to be covered. When determining rates, insurance companies and agencies use the medical information on these applications.

If you have no idea where to start when putting together your individual health insurance or family health insurance plan, just ask one of our professionals. Basic services you may want to include in your individual health insurance or family health insurance coverage, are prescription drug coverage, physical exams and health screenings, specialist care, emergency and hospital care, maternity care, dental services, vision care, preventive care, and physical therapy.

We'll help you find the individual health Insurance or family health insurance coverage that best suits you and your family's needs and budget. We'll also be there to help you process claims and give you advice on anything else you need regarding your policy.

At Bill Joe Murphy Insurance Services we take the time to truly recognize your insurance needs so that your personal assets are protected at the most competitive rates—and most importantly, our comprehensive solutions cover a wide range of risk.

Discounts that could significantly lower your insurance premium aren't the only reason to place your insurance policies with us. Competitive pricing, customer service, and peace of mind are more reasons to put us to work for you. We'll help you design a policy to meet your needs. We'll show you what coverage may be available and how to get the personalized protection you need. The fact is that things change, times change, and chances are your policy may need to be updated to meet your changing lifestyle. You've worked hard to get where you are, and you have a lot to look out for. You deserve the right policy at the right price.

Bill Joe Murphy Insurance Services wants to be here for you to meet all of your insurance needs. Our extensive experience has enabled our dedicated agents to manage multiple policy lines all while saving you valuable time and money.

Remember, we are licensed in most western states (CA, WA, OR, NV, AZ, KS and Texas) so we can help you! One of our dedicated independent agents will always be happy to serve you! With the wonders of modern technology on our side, we can easily help you no matter where you live. Contact Bill Joe Murphy Insurance Services to discover your best insurance options today!

LIFE INSURANCE

Life Insurance| Bill Joe Murphy Insurance Services
Life insurance is necessary for people of all ages; it is much more important than many realize. The reasons why you should purchase life insurance can vary and sometimes it is confusing to determine what type of life insurance policy you should buy. Financially speaking, your biggest asset isn't your home, your car or even your investments; it's your lifetime earning potential. Not only does your income cover basic cost of living expenses, it covers the considerable costs associated with healthcare, education and retirement. Nobody likes to think about premature death, but it's critical that you protect your family from this possibility by considering both term life insurance and permanent life insurance. Compare the costs and benefits to determine the best life insurance coverage for you and your family and select the option that works best for your particular situation. At Bill J Murphy Insurance Services, we make understanding life insurance easy!

If you find yourself wondering why you should purchase life insurance, consider the following reasons:

To pay final expenses
To replace income for your dependents
To ensure an inheritance for your heirs
To create a source to savings
To cover federal/state death taxes
To make significant charitable donations (naming a charity as a beneficiary)

The agents at Bill Joe Murphy Insurance Services can help you with any life insurance questions you may have and information you may need. Contact us today or fill out our free quote form!

As one of the area's most trusted insurance agencies, Bill Joe Murphy Insurance Services is committed to serving all of the diverse insurance needs of California individuals, families and businesses. From low cost California auto insurance to something as distinct as California motorcycle of off road insurance— we strive to provide our customers with the highest quality coverage/protection they need and deserve.

At Bill Joe Murphy Insurance Services we take the time to truly recognize your insurance needs so that your personal assets are protected at the most competitive rates—and most importantly, our comprehensive solutions cover a wide range of risk.

Life Insurance| Bill Joe Murphy Insurance Services

Discounts that could significantly lower your insurance premium aren't the only reason to place your insurance policies with us. Competitive pricing, customer service, and peace of mind are more reasons to put us to work for you. We'll help you design a policy to meet your needs. We'll show you what coverage may be available and how to get the personalized protection you need. The fact is that things change, times change, and chances are your policy may need to be updated to meet your changing lifestyle. You've worked hard to get where you are, and you have a lot to look out for. You deserve the right policy at the right price.

Bill Joe Murphy Insurance Services wants to be here for you to meet all of your insurance needs. Our extensive experience has enabled our dedicated agents to manage multiple policy lines all while saving you valuable time and money.

Remember, no matter where you are located in the State of California, or any of our Western States for that matter,—whether it's Sonora insurance, Angels Camp insurance, Murphys insurance, Columbia insurance, Calaveras insurance, Twain Heart insurance, or anywhere else in the Mother Lode—one of our dedicated independent agents will be happy to serve you insurance needs!

Life Insurance| Bill Joe Murphy Insurance Services

GROUP HEALTH INSURANCE

Group Health | Bill Joe Murphy Insurance Services

Have you thought about the advantages that will come with offering your employees group health insurance benefits and insurance? Did you know that group health insurance coverage is much more affordable than most realize?

Group health insurance will cover the employer, employees, and many times the dependents of the employees. Group health insurance is beneficial for you, the employer; because it will help you recruit and retain the best workers. The benefits for the employees are obvious as they will have group health insurance medical coverage should they require professional medical attention. Also, if your employee has a history of medical issues, they cannot be turned down, as is the case with an individual plan.

If you are wary of the premium payments for group health insurance, contact Bill Joe Murphy Insurance Services. We will shop the top carriers in the country to get an affordable group health insurance policy that will satisfy your employees and your budget.

As one of the area's most trusted insurance agencies Bill Joe Murphy Insurance Services is committed to serving all of the diverse insurance needs of our customers. We strive to provide our customers with the highest quality coverage/protection they need and deserve.

At Bill Joe Murphy Insurance Services we take the time to truly recognize your insurance needs so that your personal assets are protected at the most competitive rates—and most importantly, our comprehensive solutions cover a wide range of risk.

Discounts that could significantly lower your insurance premium aren't the only reason to place your insurance policies with us. Competitive pricing, customer service, and peace of mind are more reasons to put us to work for you. We'll help you design a policy to meet your needs. We'll show you what coverage may be available and how to get the personalized protection you need. The fact is that things change, times change, and chances are your policy may need to be updated to meet your changing lifestyle. You have worked hard to get where you are, and you have a lot to look out for. You deserve the right policy at the right price.

Bill Joe Murphy Insurance Services wants to be here for you to meet all of your insurance needs. Our extensive experience has enabled our dedicated agents to manage multiple policy lines all while saving you valuable time and money.

Remember, we are licensed in most western states (CA, WA, OR, NV, AZ, KS and Texas) so we can help you! One of our dedicated independent agents will always be happy to serve you! With the wonders of modern technology on our side, we can easily help you no matter where you live. Contact Bill Joe Murphy Insurance Services to discover your best insurance options today!

SPECIALTY INSURANCE

We can help you insure your Boat, Watercraft, off-road vehicle, motorcycle, and flood insurance

Bill Joe Murphy Insurance Services has specialists available to service all of your Boat Insurance, Watercraft insurance, off-road vehicle insurance, motorcycle insurance and flood insurance needs. We have hundreds of carriers waiting to compete for your business. You owe it to yourself to compare rates and products before you buy. Let Bill Joe Murphy Insurance Company service all your Insurance needs.

WATERCRAFT INSURANCE | BOAT INSURANCE

Things to Consider
When the days are clear and weather is warm, we know that the first thing on your mind is going out on the water. Your boat allows you to get away from all the stress and pressure of the mainland and kick back by yourself or with good friends. Whether you use your boat to fish, cruise, or race, we know it must be difficult to picture your life without it. At Bill J Murphy Insurance Services, we make sure that you enjoy your time on the water without having to worry about what could go wrong. Our agency specializes in writing insurance policies for boaters, so you can be certain we will provide you with the best protection available.

Our watercraft insurance plans can provide you with coverage against many different types of loss. We offer:

Medical Payments Coverage

We offer medical coverage that can cover your eligible medical expenses if you get get hurt when on the water.

Physical Damage Coverage

This optional coverage is typically designed to take care of your boat, motor, and trailer. Our agents will help you determine the right amount of physical damage coverage for each boat on your policy. You will also need to choose a deductible (the amount you would pay on a claim) before your policy kicks in.

Liability Coverage

If you're involved in an accident, there's a good chance another person or another watercraft is involved. And if you're at fault, you'll need liability coverage. You can choose a lot of liability coverage or a little – it's up to you. We'll show you what coverage and limits may be available, and how to get the maximum personalized protection you need.

Whether you're a lifelong boater or just getting started, it's always a good idea to take a close look at your new or existing marine policy. We can help. Simply call our office or fill out our quick and simple online form to learn how Bill Joe Murphy Insurance Services can keep you safe and secure with a marine insurance policy.

As one of the area's most trusted insurance agencies, Bill Joe Murphy Insurance Services is committed to serving all of the diverse insurance needs of our customers. We strive to provide our customers with the highest quality coverage/protection they need and deserve.

WATERCRAFT INSURANCE & BOAT INSURANCE | BILL J MURPHY INSURANCE SERVICES

At Bill Joe Murphy Insurance Services we take the time to truly recognize your insurance needs so that your personal assets are protected at the most competitive rates—and most importantly, our comprehensive solutions cover a wide range of risk.

Discounts that could significantly lower your insurance premium aren't the only reason to place your insurance policies with us. Competitive pricing, customer service, and peace of mind are more reasons to put us to work for you. We'll help you design a policy to meet your needs. We'll show you what coverage may be available and how to get the personalized protection you need. The fact is that things change, times change, and chances are your policy may need to be updated to meet your changing lifestyle. You've worked hard to get where you are, and you have a lot to look out for. You deserve the right policy at the right price.

Bill Joe Murphy Insurance Services wants to be here for you to meet all of your insurance needs. Our extensive experience has enabled our dedicated agents to manage multiple policy lines all while saving you valuable time and money.

Remember, we are licensed in most western states (CA, WA, OR, NV, AZ, KS and Texas) so we can help you! One of our dedicated independent agents will always be happy to serve you! With the wonders of modern technology on our side, we can easily help you no matter where you live. Contact Bill Joe Murphy Insurance Services to discover your best insurance options today!

OFF-ROAD VEHICLE INSURANCE

Off-Road Vehicle Insurance| Bill Joe Murphy Insurance Services
Let's face it, off road vehicles are fun. Off road vehicle insurance is a critical tool to make sure you keep them fun. Whether you are a recreational ATV rider, or use your side by side to manage miles of fence line, having it damaged, wrecked, or stolen can cause emotional distress and financial loss. We can provide different types of off road vehicle insurance to cover different types of vehicle needs.

ATV Insurance:
All Terrain Vehicles, Quad, Four Wheelers: whatever name you call it, the fun is still just as good. If you're using it as a weekend cruiser, running around the farm, or taking it hunting – having your ATV is a lot of fun, but it's also a big investment. What happens if it's sitting in the garage and a poorly placed battery ruins the gas tank and engine? Does your homeowner insurance cover it? What if you're not on your property and have an accident? Are you or your ATV covered? Even worse, if someone steals it from your backyard, or it's hit while waiting to load your quad onto the trailer at your favorite trail – how are you going to replace it?

If you're lucky enough to have a State managed four wheeler trail network you're most likely going to need insurance for your quad to ride on State land. We can help with all of these scenarios.

Off-Road Vehicle Insurance| Bill Joe Murphy Insurance Services

Dirt Bike Insurance:
Race on the weekend at your local track? Ride recreationally? An off road motorcycle is a big investment too. Many people who compete in enduro rides have to be registered and insured – even hare scrambles can require coverage for your motorcycle. If you participate in activities where coverage is required, or want to protect your investment we can design the right policy to protect your dirt bike too.

Side-by-side and Full size 4wd Insurance:
Many of the vehicles that never see pavement, or aren't registered are of high value. If you're a rock crawler why wouldn't you protect your thirty-thousand dollar toy from liability, uninsured accidents, and theft? If it falls off a trailer, will you pay damages out of pocket? If your Jeep rolls over and damages someone else's vehicle, who will cover those damages? Many offroad toys are high value, high investment, but owners simply don't think they need coverage because they're not on the road. Don't leave your side by side, Jeep, or buggy vulnerable to anything other than the trails you're on.

Simply call our office or fill out our quick and simple online form to learn how Bill Joe Murphy Insurance Services can keep you safe and secure with a marine insurance policy.

Off-Road Vehicle Insurance| Bill Joe Murphy Insurance Services

MOTORCYCLE INSURANCE

Whether you're a weekend warrior, a casual rider, or a hardcore motorcyclist, our motorcycle insurance policies offer protection specifically for you, your bike, and your accessories. Our policy is designed to meet the personal and financial needs of motorcycle owners and enthusiasts.

You select the type of coverage and deductibles that best cover your motorcycle and your lifestyle, and we'll do the rest. We shop multiple carriers and offer competitive prices plus convenient payment plans, and we'll place your coverage with a company that has the financial stability to be there when you need them most.

Consider that you may also qualify for some of our discounts that will make your California motorcycle insurance premiums even lower. We want ... Read more

Bill Joe Murphy Insurance Services wants to be here for you to meet all of your insurance needs. Our extensive experience has enabled our dedicated agents to manage multiple policy lines all while saving you valuable time and money.

FLOOD INSURANCE

Flood Insurance| Bill Joe Murphy Insurance Services

Flood insurance provides protection for destruction and financial devastation caused by floods. Although it may not seem like much even a few inches of water can cause serious damage; resulting in thousands of dollars in repair and restoration costs. Homeowners insurance does not cover floods.

Although it may not seem as necessary as homeowners insurance, flood insurance is important if you want to keep your home safe and your possessions secure. Flood coverage offers protection against losses that result from heavy and lengthy rain falls, storm surges, blocked storm drainage systems, snow melts, etc.

Different types of policies are available based on your property's location and flood history:

RENTERS INSURANCE

What is Renters Insurance?
Basically, renters insurance acts as a homeowners insurance policy for those who rent their place of residence. Whether you live in a condo, apartment, house, duplex, etc., renters insurance can protect you and your assets. Having renter's insurance can help devoid costs of damages should anything happen to a rental property that you are living in.

Doesn't My Landlord's Insurance Cover Me?
NO! Do not make the mistake of assuming your landlords homeowners insurance will cover you and your assets. A landlord's policy covers only the physical structure of the rental property, not your belongings. If the person who owns the building has rental insurance, they will be protected from costs to them should something happen to the building, but they are not responsible for covering your belongings.

Purchasing renter's insurance ensures that your property is protected. Don't make the mistake of thinking you are invincible; you need insurance for your belongings, even if you live in a rental property. You are the only one who is responsible for protecting your assets. Contact Bill J Murphy Insurance Services today for more information or fill out our free renters insurance quote form!

As one of the most trusted names in the insurance business, Bill J Murphy Insurance Services is committed to serving all of the diverse insurance needs of our customers. We strive to provide our customers with the highest quality coverage/protection they need and deserve.

At Bill J Murphy Insurance Services we take the time to truly recognize your insurance needs so that your personal assets are protected at the most competitive rates—and most importantly, our comprehensive solutions cover a wide range of risk.

Discounts that could significantly lower your insurance premium aren't the only reason to place your insurance policies with us. Competitive pricing, customer service, and peace of mind are more reasons to put us to work for you. We'll help you design a policy to meet your needs. We'll show you what coverage may be available and how to get the personalized protection you need. The fact is that things change, times change, and chances are your policy may need to be updated to meet your changing lifestyle. You've worked hard to get where you are, and you have a lot to look out for. You deserve the right policy at the right price.

Bill J Murphy Insurance Services wants to be here for you to meet all of your insurance needs. Our extensive experience has enabled our dedicated agents to manage multiple policy lines all while saving you valuable time and money.

Remember, we are licensed in most western states (CA, WA, OR, NV, AZ, KS and Texas) so we can help you! One of our dedicated independent agents will always be happy to serve you! With the wonders of modern technology on our side, we can easily help you no matter where you live. Contact Bill Joe Murphy Insurance Services to discover your best insurance options today!

EARTHQUAKE INSURANCE

There are two common mistakes that people make regarding earthquake insurance. One, most homeowners assume their home insurance policy will cover the damages associated with earthquakes and choose not to add additional coverage's. And two, even if a homeowner is aware of earthquake insurance, they will opt out of the coverage because they feel it is unnecessary.

Depending on the coverage options you choose, earthquake insurance will cover the cost of your damaged home and any assets that are damaged on your property.

Do not make the mistake of thinking earthquakes are regional or too far in-between – every area of the country is at risk for earthquake damage. Although some areas are much more of a risk than others, no area is immune.
Contact Bill J Murphy Insurance Services to receive more information on securing an earthquake policy and protecting your home and assets.

As one of the area's most trusted insurance agencies, Bill J Murphy Insurance Services is committed to serving all of the diverse insurance needs of California individuals, families and businesses. From low cost California auto insurance to something as distinct as California motorcycle of off road insurance— we strive to provide our customers with the highest quality coverage/protection they need and deserve.

At Bill J Murphy Insurance Services we take the time to truly recognize your insurance needs so that your personal assets are protected at the most competitive rates—and most importantly, our comprehensive solutions cover a wide range of risk.

Discounts that could significantly lower your insurance premium aren't the only reason to place your insurance policies with us. Competitive pricing, customer service, and peace of mind are more reasons to put us to work for you. We'll help you design a policy to meet your needs. We'll show you what coverage may be available and how to get the personalized protection you need. The fact is that things change, times change, and chances are your policy may need to be updated to meet your changing lifestyle. You've worked hard to get where you are, and you have a lot to look out for. You deserve the right policy at the right price.

Bill J Murphy Insurance Services wants to be here for you to meet all of your insurance needs. Our extensive experience has enabled our dedicated agents to manage multiple policy lines all while saving you valuable time and money.

Remember, we are licensed in most western states (CA, WA, OR, NV, AZ, KS and Texas) so we can help you! One of our dedicated independent agents will always be happy to serve you! With the wonders of modern technology on our side, we can easily help you no matter where you live. Contact Bill Joe Murphy Insurance Services to discover your best insurance options today!