Bill Murphy Commercial Insurance Services Inc | Sonora Ca




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 | 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
Commercial Insurance
Liability Insurance
Commercial Insurance
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 all of the diverse insurance needs of our customers....

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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!



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.

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



As a business owner, you do everything you can to protect your employees and company from potential dangers, but if you do not have workers compensation insurance you are assuming an enormous risk that could likely put you out of business. Most business owners understand that workers compensation is important, but did you know that if you have employees, it is required by law for most businesses to have coverage?

Workers compensation is a type of insurance coverage that protects your employees in case of injury or disease during the course of employment.

Policies can provide coverage for:

Medical expenses
Contractors 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.

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
Contractors Insurance
Contractors Insurance
Contractors Insurance

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.

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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.

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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.
umbrella insurance

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 ... Read more