Monthly Archives: August 2012

What is the True Mean of Labor Day?

What is the meaning of Labor Day?

 We all tend to look at Labor Day as a celebration of a long weekend, cookouts, parades and the end of summer vacations.  Many consider this the official end of summer and the beginning of the fall season.

But there is a true meaning and background to Labor Day.

Here’s how the U.S. Labor Department describes the holiday: “It constitutes a yearly national tribute to the contributions workers have made to the strength, prosperity and well-being of our country.”

The Central Labor Union held the first Labor Day celebration in 1882 in New York City. The AFL-CIO, which represents about 12.2 million members, says that first holiday was marked by a march to demand an eight-hour workday and other labor law reforms. About 20,000 workers made their way up Broadway carrying signs that read “Labor Creates All Wealth” and “Eight Hours for Work, Eight Hours for Rest, Eight Hours for Recreation.” (The AFL-CIO site offers a chronological look at such events via a timeline.)

 Who was the Founder of Labor Day?

 Some records show that Peter J. McGuire, general secretary of the Brotherhood of Carpenters and Joiners and a cofounder of the American Federation of Labor, was first in suggesting a day to honor those “who from rude nature have delved and carved all the grandeur we behold.”

 But Peter McGuire’s place in Labor Day history has not gone unchallenged. Many believe that Matthew Maguire, a machinist, not Peter McGuire, founded the holiday. Recent research seems to support the contention that Matthew Maguire, later the secretary of Local 344 of the International Association of Machinists in Paterson, N.J., proposed the holiday in 1882 while serving as secretary of the Central Labor Union in New York. What is clear is that the Central Labor Union adopted a Labor Day proposal and appointed a committee to plan a demonstration and picnic. (

 So while we are enjoying our three day weekend, cookouts and last summer vacations stop and think about the true meaning of this holiday.  Labor Day directly affects each and every one of us.

Enjoy your weekend and take a minute on Labor Day to remember the true meaning of the day.

Welcome our Newest Team Member

We would like to welcome our newest team member to Penny-Hanley & Howley Insurance.

Renee Goodwin will be our full time Marketing Manager.  Renee has a background in Small Business Marketing, including Social Media, Advertising, Sales, Networking and Small Business ownership.  You will see Renee around town and Tolland County working with our small business clients, along with attending local networking meetings and other social media events. Renee is part owner of Stained Glass Creations and Beyond in Stafford.  Her passion for Small Businesses and Social Media Marketing will be a great benefit to our agency.

We look forward to having Renee increase our online presence through social media, networking and other social events along with promoting our Commercial Clients Businesses.  If you see her around town, say hi.

Renee can be contacted at or 860-458-9360.


What is Umbrella Insurance?

Umbrella insurance refers to a liability insurance policy that protects the assets and future income of the name insured in addition to his or her primary policies. It is distinguished from excess insurance in that excess coverage goes into effect only when all underlying policies are totally exhausted, while umbrella is able to “drop down” to fill coverage gaps in underlying policies. Therefore, an umbrella policy can become the primary policy “on the risk” in certain situations. The term “umbrella” refers to how the policy shields the insured’s assets more broadly than primary coverage.

The term “umbrella” is used because it covers liability claims from all policies underneath it, such as auto insurance and homeowners insurance policies. For example, if the insured carries an auto insurance policy with liability limits of $500,000 and a homeowners insurance policy with a limit of $300,000, then with a million dollar umbrella, the insured’s limits become in effect, $1,500,000 on an auto liability claim and $1,300,000 on a homeowners liability claim.

Umbrella insurance provides broad insurance beyond traditional home and auto. It provides additional liability coverage above the limits of homeowner’s, auto, and boat insurance policies. It can also provide coverage for claims that may be excluded by the primary policies.

At Penny Hanley & Howley Insurance we can offer you this option of Umbrella Insurance.  Give our office a call for more information.


Managing Your Workers’ Compensation Payments Made Easier

Do you want an easier way to manage your Workers’ Compensation payments?

EZ PayIns is the way to go.

  • Multiple insurance company options
  • Accepts all payroll processing methods
  • Serviced by independent insurance agents
  • Premiums match actual payrolls
  • Minimizes audit premiums

What are the advantages of placing my workers’ compensation pay-as-you-go policy with a Renaissance EZPayIns independent agent?

Unlike payroll services, independent insurance agents offering Renaissance EZPayIns are local business people whose entire careers, knowledge, and expertise are devoted to providing you with insurance and business solutions for your entire company. Payroll services that sell insurance often represent just one insurance company’s products and their primary business is payroll processing. Renaissance member independent agents represent many regional and national insurance companies. When it comes to workers’ compensation or any other major business insurance, only independent agents can provide you the maximum freedom of choice and competitive products combined with local service from someone who understands your business and caters to your company’s individual needs.

As your local independent agent, Penny-Hanley & Howley Insurance is here to help you with all your needs. Protecting you is our job.

For more information regarding the EZ PayIns Program give us a call at 860-684-2721.

What is Commercial Property Insurance?

Commercial Property Insurance is used to cover any type of commercial property. Commercial Property insurance protects commercial property from such perils as fire, theft and natural disaster. This type of insurance is carried by a variety of businesses, including manufacturers, retailers, service-oriented businesses and not-for-profit organizations.
This insurance essentially provides the same kind of protection as property insurance for consumers. However, businesses can usually deduct the cost of commercial property insurance premiums as expenses.

Make sure your business property is protected.

Penny Hanley & Howley Insurance Co.

Protecting you now and for the future.