Ehrman Murphy & Company, LLP

03/11/2026

08/12/2025

Whether you run a small startup or a growing company, your business is more than just a job — it’s your investment, your livelihood, and your legacy.

That’s where commercial insurance comes in:
✅ Protect your property, equipment, and inventory
✅ Cover liability risks from customer or employee incidents
✅ Safeguard your income if your operations are interrupted
✅ Ensure compliance with contracts or lease requirements

As brokers, we shop multiple carriers to find the best fit for your industry, size, and budget — so you can focus on running your business without worrying about the “what ifs.”

📞 Call 713-464-6291 or visit ehrmanmurphy.com to get started today.

07/25/2025

🛍️ Why Choose an Insurance Broker Instead of Just One Company?

Think of us like your Insurance Personal Shopper 🧠🛒

Instead of being locked into just one option (like calling GEICO or State Farm), we:

✅ Shop 30+ top-rated carriers on your behalf
✅ Compare pricing, coverage, and discounts
✅ Customize policies to fit your needs — not the company’s
✅ Stay your point of contact no matter which carrier you’re with

We work for you — not the insurance company.

So you get better rates, smarter coverage, and personal service every step of the way.

📞 Call 713-464-6291
🌐 ehrmanmurphy.com

Let’s see if you’re overpaying or missing key coverages — it’s fast, free, and no pressure.

07/21/2025

🔐 Insurance Tip of the Week: Bundle & Save — But Don’t Blindly Bundle

It’s true — bundling your home and auto insurance can save you money, sometimes up to 25%.

But here’s the catch 👉 The best bundle isn’t always with the same company.

As brokers, we often find better results by mixing and matching carriers:

One might offer better auto rates 🚗

Another might have stronger home coverage 🏠

Some give loyalty discounts even if you only have one line of business

💡 Don’t let “bundle” be a buzzword — let it be a smart strategy.

✅ Send us your current policies, and we’ll run the numbers to see what makes the most sense for you — not just what’s convenient for the carrier.

📞 713-464-6291 | 🌐 ehrmanmurphy.com

07/10/2025

🏠 Insurance Tip of the Week: What’s NOT Covered by Home Insurance 🛑
Most people assume their homeowners policy covers “everything” — until it’s too late.
Here are 4 major exclusions we see all the time:

🚫 Flooding – Not covered by standard homeowners insurance. You need a separate flood policy — and there’s a 30-day wait.

🚫 Foundation Movement – Cracks or shifting due to soil movement or settling are usually not covered unless you have a special endorsement.

🚫 Sewer/Drain Backups – Water damage from a backed-up drain, sump pump, or sewer line isn’t included unless you add water backup coverage.

🚫 Termites & Pests – Considered “preventable maintenance,” not an insurable loss.

⚠️ Many homeowners only find this out after a denied claim — don’t let that happen to you.

✅ We’ll review your policy and tell you exactly what’s covered — and what’s not. No pressure, just clarity.

📞 Call 713-464-6291 or visit ehrmanmurphy.com

07/02/2025

🌧️ Hurricane Season is Here — Are You Covered for Flooding? 🌀

It’s officially hurricane season in Houston — and with heavy rain and storm surges comes one of the biggest risks most homeowners overlook: flood damage.

🏚️ Most homeowners policies DO NOT cover flooding.
You need a separate flood insurance policy — and here’s the kicker:

🚨 Flood insurance has a 30-day waiting period.
That means if you wait until there’s a storm in the Gulf, it’s already too late to get protected.

Whether you’re in a flood zone or not, coverage is affordable and can be the difference between full recovery or major financial loss.

✅ Don’t wait until it’s on the news — let’s review your flood options now.

📞 Call us at 713-464-6291 or visit ehrmanmurphy.com

07/01/2025

🏠 Insurance Tip of the Day: Replacement Cost vs. Actual Cash Value (ACV)

One of the biggest mistakes we see homeowners make?
Confusing Replacement Cost (RC) with Market Value or ACV.

📄 Lately, I’ve had a lot of clients send over their Declarations Pages, and many are surprised to find their roof is being covered at Actual Cash Value (ACV) — not full Replacement Cost.

💥 In Houston, many carriers are starting to apply ACV coverage depending on the age of your roof — often for roofs over 10–15 years old. That means if your roof is older, you may only be reimbursed for depreciated value after a claim.
Here’s the difference:

🧱 Replacement Cost (RC): Pays to rebuild or replace your roof with new materials — no depreciation deducted.

💸 Actual Cash Value (ACV): Pays only what your roof is worth today, factoring in age and wear — which can leave you short thousands.

👀 Not sure what your policy includes?

Send us your Dec Page for a free, no-pressure review — we’ll walk you through it in plain English.

📞 Call 713-464-6291
🌐 ehrmanmurphy.com

06/30/2025

Holiday Office Hours Update:

To celebrate Independence Day, our office will be:

🕐 Closing early at 1:00 PM on Thursday, July 3rd
🎆 Closed all day on Friday, July 4th

We hope you have a safe and fun holiday with family and friends!
We'll resume normal business hours on Monday, July 7th.

06/27/2025

🚨 We're Hiring: Marketing Rep

Ehrman Murphy & Co. is looking for a motivated individual to assist with social media, email campaigns, and creative marketing ideas to help grow our brand and reach.

This is a great opportunity for a marketing intern or entry-level candidate looking to gain hands-on experience — with the potential to grow into a full-time role.

🕒 On-site | Monday–Friday | 8:30 AM – 4:30 PM

💼 Base pay + bonuses are negotiable based on experience and performance.

📩 Email your resume to [email protected]
📞 Call us at 713-464-6291 for more information
✅ Please share with anyone who may be interested!

06/26/2025

Join us in wishing Jack a happy birthday! We appreciate your dedication and commitment to the agency!

PS: Jack said all he wanted for his birthday was for people to call in and ask for quotes! 🤣