Recent Posts

Got Into A Car Accident? What To Do Next

Category: Blog

You can still be involved in a car accident even if you are extremely cautious when you are driving. A car accident can be a scary and life-changing event, but there are several ways that you can cope with it. Below are some tips that will help you if you get into a car accident. … More

Summer Pool Cleaning Tips

Category: Blog

The summer heat can drive people up the wall! The easiest way to take the edge off is to take a dip into your backyard pool. However, if you don’t take the time to maintain your pool, it can easily become dirty and overrun with bacteria. The maintenance of your pool will help you enjoy … More

Poison ivy and your pet

Category: Blog

If you have a pet that loves the outdoors, you probably wonder about how poison ivy could affect Fido if he gets into a patch without knowing.  The good news is your dog or cat will most likely not have a reaction to the poison ivy because the oil tends to stay on animal’s fur … More

Employment Practices Risk

Category: Blog

Many Employers across the US are indicating they will be Hiring in 2014. with the increase in Employment practices claims on the rise, this just Increases your exposure. There were nearly 100,000 charges of workplace discrimination in 2012 resulting in $365 million awarded by the EEOC to alleged victims of workplace discrimination – the highest … More

Choosing a backyard fire pit

Category: Blog

If you have ever gone to a friend’s house and enjoyed sitting around their backyard fire pit on a cool spring evening, you may decide to get one for yourself.  Having a backyard fire pit can be a wonderful way to spend time when it’s nice outside.  However, we wouldn’t be an insurance agency if we … More

Term Life Insurance Vs. Permanent Life Insurance

Category: Blog

Unlike term insurance, which addresses more temporary needs, permanent life insurance is designed to provide life-long financial protection. Because permanent life insurance policies are designed and priced to keep over a long period of time, this may be the right type of insurance for you if you have a long-term need for life insurance coverage. … More

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The dangers of carbon monoxide

Category: Blog

You may have heard about the dangers of carbon monoxide poisoning.  Have you ever really thought about whether or not your home is safe from it?  There are a few things you can do right now to help protect your family from carbon monoxide poisoning.  Here is a list of preventative measures you can take: … More

Uber/Lyft/SideCar Rideshare (ing)

Category: Blog

We applaud the entrepreneurship of Our Clients and prospects, but when people perform “business activities” they need “business” coverage. we have three divisions here at Downey Insurance. personal, Commercial, Financial Planning this is fresh off the press to exclude anything to do with ride sharing off of your personal auto policy. ISO Personal Vehicle Sharing Exclusion … More

Landlord lease agreements and Insurance by: Charlie Downey, Pres. & CEO Downey Insurance Group

If you own a rental property, you will want to readdress your risk management checklist before giving your new tenants a set of keys. • REQUIRE they Purchase tenants Insurance & show you a copy of the policy!This policy is super cheap for the coverage. ( covers their personal property & their personal liability – … More

The Massachusetts Insurance partnership is ending. transitioning to Obama Care

Category: Blog

The Ma. Insurance Partnership program is ending December 31, 2013. Outreach letters were mailed to Employers and Employees the week of December 9th 2013. A dedicated call center for transitioning members is now live. The number is 1-866-865-0147 Participating employers will no longer receive incentive payments from MassHealth. Most small biz. Ma. Employers will now … More

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