SIGNIFICANT UPDATES OR ADDITIONS TO YOUR HOME

 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.

We are the Trusted Choice for Church Insurance

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.

Pollution and Environmental Insurance

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.

Downey Insurance employee Elis Colon was chosen for a CISR scholarship!

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. 

Co-Op Insurance adds 2 new Group Discounts

Two new group discounts for the The Littleton Food Co-op and Pawtuckaway Beekeepers have been made available through Co-Op Insurance Company.  If you are part of:

Littleton Food Co-Op

or Pawtuckaway Beekeepers Association of NH

Please give us a call to update your policy to reflet the new discount.

If you are not currently a client and you would like to take advantage of this discount please give a call or visit our web-site www.downeyinsurance.com.

We are proud to offer Farm Insurance through the Co-Op Insurance Co. of VT>

Devastating Tornado Damage Ignites Large Scale Outreach Program

 

The recent tornado outbreaks in the Southeast and the Midwest have been devastating to the communities affected.  So many homes and lives have been lost.  Peoples whole lives have been taken away from then in an instant.  This leaves so many people in need.  One of our clients Converge Northeast is taking matters into their own hands by collecting money for those that have been affected by this tragedy.  If you would like more information on donation oppotunies please visit thier website http://www.convergeworldwide.org/world-relief/usa-tornado-relief 

The costs have no doubt been high on an individual level.  The property damage is also on track to be the 10th most costly disaster in U.S. History.  Estimates of the insured damage is approaching $5 Billion Dollars. Tornado damage is generally covered under a New Hampshire Homeowners Insurance policy or any other Homeowners policy as wind damage, but flood is generally excluded.