by Downey Insurance Group | Jun 20, 2011 | Blog
Our very own CSR Customer Service Representative Elis Colon has been selected as a recipient of a CISR Certified Insurance Service Representative scholarship from the MAIA Massachusetts Association of Independent Agents. This prestigious program will take Elis to the next level as a CSR. The knowledge she will gain by attending this program will be invaluable to her, our clients, and to Downey Insurance.
As a 3+ year employee of Downey Insurance Elis has shown tremendous growth in crafting her art as a CSR. Countless compliments and testimonials from clients have proven Elis a trusted member of our team. She has shown a strong commitment to learning and understanding the complex world of professionally managing massachusetts insurance for our clients. By awarding Elis this CISR scholarship the MAIA is just confirming what we already know, Elis is valued member of the insurance community and is on track to continue to grow in her career as an insurance professional. We are so proud of Elis and look forward to working with her for many years to come.
by Downey Insurance Group | Jun 20, 2011 | Blog
Pollution and Environmental Insurance is becoming a necessity for Businesses that are involved with Landscaping, Manufacturing, and Construction just to name a few. Protection from lawsuits and the cost associated with environmental clean-up can save your business if you experience a loss. THe EPA takes environmental clean-up very seriously and it can sometimes be very costly to comply with it’s rules and regulations.
Applying for Environmental Insurance and Pollution Insurance is not difficult if you have an Agent that has experience. and will secure the correct coverage for you. At Downey Insurance Group we can determine which Environmental Insurance Policy fits your need based on your exposure. Such as: Enviromental Insurance, Environmental Consulting Liability, Environmental Contractors Pollution Liability, Site-Specific Pollution Liability, Underground Storage Tank Liability, Mold, Lead, and Asbestos Remediation Liability.
With access to many markets such as Environmental Insurance Agency, Inc. we look forward to helping you with your Environmental or Pollution Insurance as part of you comprehensive business insurance program.
by Downey Insurance Group | Jun 20, 2011 | Blog
If you are starting a new church, or if you are unsure if your church is insured correctly it may be time for a comprehensive review of your Church Insurance Program. We have access to programs that are designed specifically for the unique needs of your Church. This is so important for the protection of your church’s property. Liability protection for your church’s clergy and leadership team are equally important.
Converge Northeast formerly the North East Baptist Conference has selected Downey Insurance Group as provider of choice for their member churches. We have the expertise that comes with providing Church Insurance to Churches all over New England. This experience makes us the go-to agency for churches that want their insurance program managed by the preferred agency in the area, while keeping your costs down. Let us match you with the best products for your needs through some of our broker dealers such as Church Underwriters, Inc. and Hanover Insurance Group.
We are humbled by the trust that has been placed in our organization, and we appreciate the opportunity to serve you by professionally managing your Church Insurance Program.
by Downey Insurance Group | Jun 20, 2011 | Blog
Are you building an addition to your home or putting on a new roof? Maybe new wiring or plumbing? How about a deck or porch? If you are one of the lucky ones sprucing up your home this year congratulations and please don’t forget to call your insurance agent. The team at Downey Insurance takes great pride in our excellent customer service but we depend on our clients to keep us informed of any significant changes that have been made to their homes. Plus, If you are doing construction on your home call us before hand so that we can add the theft of building materials endorsement to your Vermont Homeowners Insurance policy.
Please remember to request an updated Certificate of Insurance with a current issue date from any contractor that you allow to do work in your home. They would need to have General Liability, and Workers Compensation. The contractor that is doing the work should be included on the policy. If they do not have one or both coverage’s send them us to get it! If you have any questions regarding the certificate that they provide please send us a copy. We will be happy to review it as part of our commitment to you to professionally and comprehensively manage your insurance.
by Downey Insurance Group | Jun 20, 2011 | Blog
Downey Insurance offers Massachusetts Auto Insurance in conjunction with Massachusetts Homeowners Insurance, Umbrella coverage, Renters Insurance and many other products to form a comprehensive Insurance program for our clients. Massachusetts Auto Insurance can be very confusing and nothing can act as a subtitle for one of our agents expertise. With that said, here is a brief overview of coverage’s included in the Massachusetts Auto Insurance Policy.
Compulsory Coverage’s that are required by MA law:
1. Bodily Injury to Others – This will cover injury’s to others caused by your vehicle during an accident in Massachusetts and on public roads up to $20,000 per person and $40,000 per accident. This coverage will not cover the driver of your vehicle or passengers in your vehicle.
3. Bodily Injury Caused by an Uninsured Auto – This coverage will cover bodily injury to anyone in your vehicle that was caused by an uninsured vehicle A minimum of $20,000 per person and $40,000 per accident is mandatory, but higher limits are recommended by our Agency.
4. Damage to Someone Else’s Property – This coverage will pay for damages caused by your auto to another person’s auto or property. A minimum of $5,000 is mandatory, but higher limits are recommended by our Agency.
5. Optional Bodily Injury – This coverage will extend coverage 1 (bodily injury to other) to any US state, territory, possession, or Canada. It also will extend liability to private roads, to any passenger in your vehicle. This coverage protect you in the event of a Lawsuit. A minimum of $20,000 per person and $40,000 per accident is mandatory, but higher limits are recommended by our Agency.
7. Collision – Covers damages to your vehicle from an accident. A deductible will apply in certain situations. $500 is standard by higher deductible are available.
9. Comprehensive – This coverage will pay for damage of your vehicle due to the following causes of loss: Fire, theft, vandalism. It also pays for glass replacement with the option of zero or $100.00 deductible.
11. Towing and labor – Will pay up to $50 each time your car is Towed or disabled whether or not there has been an accident, any service performed at the scene is considered labor. A limit of $100 may also be purchased
12. Bodily Injury Caused by and Underinsured Auto – This will cover bodily injury to you, household members, or your passengers over and above the limits of the at fault vehicle. A minimum of $20,000 per person and $40,000 per accident is mandatory, but higher limits are recommended by our Agency.
