Homeowners Insurance, Albany, NY

Home & Auto Insurance

We offer a complete line of personal insurance products and can tailor a program to fit your specific needs and budget. Contact us today to receive your free consultation.

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Albany, NY Business Insurance

Business Insurance

We offer insurance programs designed exclusively for your industry and customize coverage to the unique needs of your business. Schedule a comprehensive review today.

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Life Insurance, Albany, NY

Life Insurance

Life insurance serves as a foundation for any financial plan and can help prepare for life's uncertainties. Provide security for your family's financial future today.

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Investment Services in Albany NY

Investment Services

We can assist you in meeting your financial goals through a wide range of investment strategies and products. Inquire today to receive a free consultation.

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President’s Message

the murray group presidents message

When I established The Murray Group in 1974, I knew that the agency’s success was going to be directly related to the relationships we formed with our clients.  I can honestly say this principle still remains true to this day.

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Who do I buy key person life insurance for?

February 22, 2012 0 Comments

Can an employee sue my business if I have workers comp?

February 14, 2012 0 Comments

Workers compensation insurance was created to guarantee employees medical benefits in the event of work related injury. In exchange for that guarantee, employees lose the ability to sue their employer.

Does long-term care insurance cover nursing home cost?

February 13, 2012 0 Comments

Long-term care insurance does cover nursing home cost as part of the general benefit structure. There are many different benefits that come to long-term care insurance.

How do I set up a health savings account?

February 12, 2012 0 Comments

Health Savings Account or HSA is a type of bank account that you contribute to with pre-tax dollars and grows tax-deferred. The only catch is that you must use the funds on approved health and wellness related products.

How does my loss ratio affect business insurance premiums?

February 11, 2012 1 Comment

For most small businesses loss ratio has the most obvious affect on workers compensation premiums. Loss ratio is the total losses for a policy term divided by the amount of premium you pay to an insurance carrier.

What is the difference between general liability and professional liability?

February 10, 2012 0 Comments

Professional liability is protecting your business against bad advice or guidance. Any time you give professional opinion, advice or guidance you are opening yourself up to a professional liability claim.

What is coinsurance and how does it affect my health insurance?

February 9, 2012 0 Comments

If coinsurance is listed in the coverages of your health insurance policy the coinsurance percentage listed is the percent of the benefit expense which you the insured is responsible for.