New Hampshire Passed New Legislation Regarding Subcontractors

Posted by on Sep 9, 2010 in Contractors Insurance, Insurance

New Hampshire has passed legislation regarding subcontractors effective 6/14/2010. It is important to note that a Vermont employee/employer working in New Hampshire must carry coverage A in NH and comply with NH laws. Under the Workers compensation law there must be a written agreement signed by the employer and the person providing services on or about the date of employment, which also describes the services to be performed by this subcontractor. Downey Insurance helps employers to understand the Workers compensation Laws. Most employers assume that if they hire subcontractors they do not have to carry Workers compensation Insurance on that subcontractor. This is incorrect, the subcontractor must carry their own Workers Compensation policy or the employer having the work performed must carry or add them to their own policy. Downey Insurance in Keene, NH ,Brattleboro, VT and Marlboro, MA are experienced in Workers compensation and will help you determine your payroll and classification codes for the states you’re working.

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Don’t get burned by wet hay!

Posted by on Sep 9, 2010 in Farm Insurance, Insurance

Downey Insurance helps farmers with their entire farm Insurance Package. We would like to remind our farmers of the risks of haying season.

150°F: Hay enters the danger zone.

Start checking with a hay probe now.

160°F: Danger!

Check temperature and inspect mow daily.

175°F: Anticipate hot spots or fire pockets.

The danger of spontaneous combustion is rapidly increasing. Check temperature every four hours.

Stop all ventilation in the mow. Call the fire department for standby service. Also call your fire insurance agent.

185°F: Remove hot hay now!

Fire department must be ready to put out fire that may occur when the hot hay is exposed to air. Move hay away from buildings with tractor or bulldozer.

210°F: The critical stage

Hay is almost sure to ignite.

Call us at Downey Insurance immediately if you suspect hay is overheating and need to borrow a hay probe. You can also call the Co-op office for assistance at (800) 689-4017.

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Downey Insurance Loves Farm Insurance!

Posted by on Sep 5, 2010 in Farm Insurance, Insurance

Downey Insurance in Keene, NH and Brattleboro, VT, work closely with Co-Operative Insurance Companies to cover all farm insurance, mini-farm insurance and equine insurance in VT and NH areas. Co-operative has been the leader in farm insurance for almost a century. Here are some of the reasons:

Flexible policy’s can protect almost any farming operation, including dairy, horse, poultry, sheep, deer, emu, and trees Farms. This policy can include your outbuildings and personal property. As well as providing incidental coverage for almost anything from loss of milk to earthquake damage. Coverage for loss of income and extra expense to help you operate after a covered property loss with many deductible options, including a zero deductible on animals.

We at Downey Insurance hope to help you soon with your farm Insurance coverage’s and analyzing your farm exposures!

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Safety Tips for our Farmers

Posted by on Sep 2, 2010 in Farm Insurance, Insurance

Downey Insurance in Brattleboro, VT and Keene NH is a top provider of Farm Insurance via Co-operative Insurance Companies of NH and VT. And Travelers insurance. Our clients know it’s not just an inconvenience when roaming animals are involved in accidents. This could land you in the middle of a lawsuit for damages. How can a farm insurance or Mini farm insurance policy from Downey Insurance protect you?


Have you ever thought of the cost of settling a fence-related personal injury or fatality claim? This has been an issue for many farmers in recent years. That’s why keeping animals contained must be a high priority for every farmer. Maintaining fences is an important responsibility that should never be neglected.


There are several manufacturers selling high-tensile fencing systems throughout our region. As well as a wide variety of fences to accommodate livestock of almost any size. When properly installed and maintained, they are extremely effective at containing your animals. You should be able to find a reputable fence dealer/installer in your local Yellow Pages. Just by doing that you are reducing your risk of a lawsuit. Look to Downey Insurance in Brattleboro, VT. and Keene NH to help you manage the inherent risk of farming by fine tuning a farm insurance or a mini farm insurance package today.

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More About Health Care?

Posted by on Sep 1, 2010 in Health Insurance, Insurance, Life

Starting September 23rd, many changes to group health plans are being made in all the states, if they renew by that date or after. The Patient Protection and Affordable Care Act, more commonly known as the Federal Health Care Reform , has made it possible for many prevention services and tests to be available and covered in full.

The list of prevention services and tests could change, depending on the “issuance of further guidance from the federal government pursuant to the Affordable Care Act.” Also, “for POS and PPO plans, services are covered in full at the in-network benefit level. Out-of-network cost sharing remains the same.”


Some of the prevention services and tests are as followed:

– Autism Screening (for children at 18 and 24 months of age; primary care settings)

– Blood pressure screening (Adults, without known hypertension)

– Breast cancer screening, including mammograms and counseling for genetic susceptibility

– Cervical cancer screening, including pap smears

– Cholesterol screening (for adults only)

– Dental caries prevention – oral fluoride (for children to age 5 only) [Note: Coverage for fluoride is only provided if your Plan includes outpatient pharmacy coverage.]

– Depression screening (Adults, Children ages 12-18, primary care visits only)

– Diabetes screenings

– Hearing Screening (Screening for newborn only, primary care settings)

– Hepatitis B testing

– HIV screening

– Immunizations , including flu shots (for children and adults as appropriate)

– Osteoporosis screening (screening to begin at age 60 for women at increased risk)

– Ovarian cancer susceptibility screening

– Sexually transmitted diseases (STDs) – screenings and counseling


This information refers to products and services offered by Harvard Pilgrim Health Care and its affiliates, Harvard Pilgrim Health Care of New England and HPHC Insurance Company.

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