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Starting from $18.14 a month,
we cover broken bones to other serious accidents like coma, that can put your abilities at risk.
*Prices vary by state
We believe that
if you get into a bike accident...
you should have coverage!
We can’t predict accidents,
but at least we can help with medical expenses if you get hurt.
In case you get injured in a felonious attack
Murphy can help you.
No medical exams,
just a few questions
and a few clicks.
If you have bad luck and you get injured, we’ll give you coverage.*
*Please see our list of coverages
Where to get Murphy?

We're available in 23 states. If you don't see your state, don’t panic—we’ll be reaching more soon. And once you have your policy, it follows you everywhere. If you have the bad luck of getting in an accident abroad, or in another state, we're there for you!

Murphy is as easy as one, two, three!
1 . Get Murphy
Apply online – the qualification process is very simple and, if approved, your coverage starts the next day!
2 . Got Injured?
Murphy is accident insurance that covers you if you have bad luck and get injured.
3 . We have your back
Submit your claim through your online dashboard,we will start the claims process right away!
Good reasons to choose Murphy
No medical exams

No questions about your health status and no medical exam. In 24 hours or less your accident policy will be active and will automatically renew every month. You'll stay covered as long as you want or until your coverage expires. The product is guaranteed issue.

This is an accident only insurance, not health insurance
We understand who you are
We provide coverage for individuals who live an active life, including independent contractors or freelancers whose work require additional protection that employers don’t always offer.
We’ve got you covered regardless of your immigration status
As long as you live in one of the approved states and you can prove it with a billing address, you can purchase coverage.
Get covered in case of an accident starting at only $18.14 a month!*
Having Murphy will give you the peace of mind to fulfill your day-to-day activities with more confidence. Knowing that, if necessary, you'll have sufficient resources to deal with an accident.
*Prices vary by state
You know Murphy is here for you but here's a short list of exactly what you'll be covered for*:
  • Accidental Medical Expenses
  • Accidental Death and Dismemberment
  • Broken Bones
  • Coma
  • Education
  • Felonious Assault
  • Home Alteration and Vehicle Modification
  • Hospital Confinement Per Day
  • *Benefits and coverage vary by state
  • I purchased Murphy. What am I covered for?
    We believe that if something can go wrong, you should be covered (and paid).
    From the moment your policy becomes effective, your Murphy accident insurance will offer you a series of high-level benefits. These are the most important benefits:
    • - Coverage of up to $ 25,000 in case of damage due to felonious assault.
    • - Coverage of up to $ 25,000 in case of accidental death and / or dismemberment (AD&D).
    • - Coverage of up to $ 15,000 in accidental medical expenses.
    • - Coverage of up to $ 150 per day of hospital confinement (with a maximum of 180 days).
    • - $3,000 Bone fracture coverage included.
    • - Coverage in case of coma $25,000.
    • - $10,000 in home alteration and vehicle modification
    • - $5,000 for education expense in case of disability.

    Click here for the full list of benefits
  • Who is Murphy?
    Contrary to what some may think, Murphy is not an Irishman. We are a diverse group of tech nerds, design lovers, and creative insurance minds. Our name was inspired by Murphy’s Law: If anything can go wrong, it will go wrong. We believe that if something can go wrong, you should get paid! Murphy is backed by one of the most progressive and innovative insurance companies in the world. Click on Our Story for more information.
  • Where is Murphy available?
    Alabama, Arizona, Arkansas, Georgia, Illinois, Louisiana, Mississippi, Nevada, North Carolina, Oklahoma, Oregon, Florida, Indiana, Kansas, Michigan, New Jersey, South Carolina, Texas, Kentucky, Utah, Washington, California, Pennsylvania. More states coming soon…
  • When does my coverage begin?
    Your coverage begins the day after you purchase it at 12:01AM. So if you bought your Murphy policy Wednesday at 4:00 PM, it will become effective the next day, Thursday, at 12:01AM.
  • Are medical exams required to get approved?
    No, the entire process of getting a Murphy policy is online. The qualification process is very simple due to Murphy being a guaranteed issue policy.
    The best thing is that there is no document review, no questions about your health status, and no medical exams.
  • How do I apply?
    It’s as easy as answering some questions and you’ll be approved in no time. (Really, it takes like 3 minutes.) Just click here!
Everybody’s got questions