Not all insurance agents are created equal.

Posted by on Jan 11, 2011 in Insurance

A recent commercial by a leading insurance company had a slogan “Do you love your insurance agent?” This is a great question to ask yourself and if the answer is no, maybe it is time to find a better agent. Everyone has different expectations of an insurance agent. While it is not reasonable to expect your insurance agent to be at each accident, ( although some of us here at Downey Insurance have driven and picked up claimants from accidents and fires, etc.),  it is reasonable to expect professional service. How do you define professional service? Professional service includes:
• Timely response to questions or claims
• Easily accessible throughout the business day
• Knowledgeable with insurance products
• Ethical business practices
• Caring about the customer’s needs
. Outwardly Focused

It can be difficult to find an insurance agent that fits all of these criteria but you should not settle for any less.Most people find their insurance agent through a referral from a friend or family member – ( truly approx 63% of our new business written at the Downey Insurance offices have been from existing clients and referrals) – That’s a number consumers should ask any prospective new agent. The other Number consumers should ask is “” what is your retention rate”?  – that is – how many customers renew with you? – (throughout the Downey Insurance office we track with the national best averages of 96% and above). There are many resources online that offer you the ability to see if an agent meets your criteria. You can access his or her website. These days, their web site should reflect who they are. There is even a department of insurance for each state which will tell you if that insurance agent has had any official complaints. It may be harder to know if a particular agent will be caring about your needs but a great way to test this is to Talk and Listen to them. Do they Sound Interested? Some people only care about the price of insurance because they think it is a waste of money, that is until something happens and they need to file a claim. Rule number one when shopping for insurance is to judge a book by its cover. Do not disregard an agent by price alone. remember You most always get what you pay for. If the agent shows interest in helping you understand the policy this can be worth it’s weight in Gold. remember what you’re buying. a “promise to pay”. Call us at any of Downey Insurance offices and put us to the test. and feel free to personally let me know your results if they are anything but exemplary! Charlie Downey

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Safety Insurance Company Now Accepts Credit cards

Posted by on Dec 29, 2010 in Business Insurance, Insurance, Personal Insurance

We are pleased to announce that all Safety Insurance Company policyholders are now able to make installment premium payments using a credit or debit card using either of the following methods:
• Online Bill Pay at
• Automated Telephone Billing System at 800-951-2100 or 617-951-0600
We accept Visa and MasterCard credit cards and NYCE, Pulse, Star and Accel Exchange network debit cards.
All direct bill policy types and combined bill accounts are eligible for credit and debit card installment payments. We will not assess a card transaction fee if policyholders choose to pay using one of these payment types. Payment amounts are limited to a maximum of $5,000 per day.
Policyholders who wish to pay online must be registered users of our website. Usage of the Automated Telephone Billing System is available without registration to all direct bill and combined bill policyholders.

Safety Insurance Via Downey Insurance

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Workers Compensation – Business Insurance pay as you go billing options from the Hartford Insurance Co.

Posted by on Nov 17, 2010 in Business Insurance, Downey Insurance

Businesses of all sizes are struggling today and in need of new ways to control expenses. Because Workers’ Compensation premiums are typically one of the largest expenses most businesses face, Downey Insurances’ability to offer these solutions to you is one of the many tools we have to help reduce your expenses, and manage cash flow Here’s a Customer Comment:”I get a knot in my stomach at audit time ’cause I am going to have to write another check.” with Downey Insurances’ Pay as you go for your workers compensation policy – all that insurance anxiety goes away.The new Workers’ Compensation payroll billing options will be available on December 11, 2010, for both small and mid size businesses via the Hartford Insurance company and Downey Insurance Group serving your insurance and financial planning needs throughout all of New England With regional offices in Massachusetts, Vermont, New Hampshire.

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Watch out for the Massachusetts Division of Industrial Accidents – Lack of Workers Compensation Insurance will shut you down.

Posted by on Nov 8, 2010 in Business Insurance, Insurance

Lack of Workers Compensation Insurance can put you out of business

let Downey Insurance help you through the myriad of Workers compensation issues

This Notice showed up today on the unit NEXT TO  one of my clients. Wow!

Ma. general law Chapter 152 Sec. 25c of the Massachusetts Workers’ Compensation law states…

Whenever the commissioner or his designee determines that an employer who is required to provide for the payment to his employees of the compensation provided for by the chapter has failed to do so, a stop work order shall be served on said employer, requiring the cessation of all business operations at the place of employment or job site. Such order shall take effect immediately upon its service upon said employer…pays a civil penalty into the private employer trust fund in the amount of one hundred dollars per day for each day such employer was not in compliance with this chapter…Every state or local licensing agency shall withhold the issuance or renewal of a license or permit to operate a business or to construct buildings in the commonwealth for any applicant who has not produced acceptable evidence of compliance with the insurance coverage required by this chapter…or knowingly misclassifies employees, to avoid higher premium rates…be subject to additional penalties provided for in section fourteen of this law.   See It all at

Get in touch with Downey Insurance Today to see if you are required to Carry Workers Compensation at 508-485-1030.

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Restaurant Insurance via Travelers Insurance

Posted by on Nov 2, 2010 in Business Insurance, Insurance

In today’s highly competitive business environment you need every advantage to succeed. That’s especially true when it comes to selecting your business insurance via Downey Insurance in Marlborough, MA. Brattleboro, VT. And Keene, NH. Restaurants are unique and shouldn’t be insured like other businesses. In order to meet these specific needs, Downey Insurance has a special restaurant insurance package via Travelers Insurance that broadens and increases coverage where restaurants need it most.  Downey Insurance’s goal is to provide more for the insurance dollar than any of our competitors.

Travelers Insurance IndustryEdge®Product for Restaurants delivers industry-specific underwriting, risk control analysis and claim service tailored to the nuances of today’s restaurant industry. This restaurant insurance product is available for full-service restaurants Via Downey Insurance , including:

  • Family Style
  • Upscale Casual
  • Fine Dining Establishments

In addition to standard coverage’s, other coverage options include:

  • Business Income
  • Equipment Breakdown
  • Food Contamination
  • Spoilage

Submitted by: Heather Olsen, Account Executive, Downey Insurance Group

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