Monthly Archives: June 2013

4th of July Celebrations

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4th of July Celebrations and Fireworks

4th of July is almost here.  A time when we enjoy a lot of outdoor activities, including Barbeque’s, Festivals and Fireworks. Always remember to watch Fireworks from a safe distance.  Below is a list of local Firework display in Tolland County and surround towns.

Vernon, CT:

Date: 7/2/13

Time: 8:15-10pm Fireworks and Festivals

Location: Henry Park, 120 South Street

Stafford, CT:

Date: 7/6/13

Time: 9:15pm

Location: Stafford High School Grounds, 145 Orcuttville Road

SummerFest activities happening prior to Fireworks display

Enfield, CT

Date: 7/7/13

Time: 9:45pm

Location: 820 Enfield Street, Enfield, CT

Prior to the fireworks display Enfield is holding the “Taste of Enfield”

Manchester, CT

Date: 7/6/13

Time: 9:30pm

Location: Manchester Community College, 60 Bidwell Street, Manchester, CT

Celebrations taking place prior to fireworks start at 4pm.

Hartford, CT

Date: 7/6/13

Time: 9:30 pm

Location: Mortensen River Front Plaza

Activities prior to Fireworks: RiverFest, 4-10pm

Insuring your in-home business

Approximately 40 million Americans operate full and part time businesses from their homes.  The home-based business represents a substantial investment of time, money and property.

Is my in-home business covered under my homeowners policy?

Not sufficiently.  Many homeowners policies provide only a limited amount of coverage for business-related exposures.  Depending on your policy, your homeowners insurance may cover your business, but probably only to a maximum of $2,500 for business equipment in the home and $500 for equipment away from the premises.  A stolen business credit card, a power surge causing the loss of important the loss of important computer data and a lawsuit over a business-related matter are not covered.

How can I get the most appropriate coverage for my home business?

There are three ways.  First, you may be able to add a home business endorsement to your existing homeowners policy. Coverage generally includes business property coverage; business liability, including product, personal injury and advertising liability; loss of business income protection; valuable papers coverage; and accounts receivable. Second, you can purchase several individual business insurance policies to provide the various coverage you need, such as a business income insurance.  Third, you can purchase a business owners package policy designed for smaller businesses, which combines the necessary property and liability insurance coverage’s you need in a single policy.

What other types of insurance should I consider for my business?

If you use an automobile for your business activities, be sure that your automobile insurance will protect you from accidents which may occur on business-related errands. You may need to purchase a separate business auto insurance policy depending on your type of business and the kind of vehicle you own.

You’ll also need health insurance to cover medical costs if you become ill or injured, and disability insurance in case you become unable to work because of sickness or injury. Also, you may want to consider a small group insurance program if you have employees.

If you hire an employee, you may need to buy workers’ compensation insurance in the event that the employee is hurt on the job and needs medical treatment and income. Under certain state-specific circumstances, workers’ compensation insurance also may extend coverage to you in case you are injured at work.

Be sure that your in-home business is properly and adequately insured.  Our agency can help you get the most appropriate coverage for your home business.

If you need more information on business insurance Penny Hanley & Howley Insurance can help.

Source info:

Keeping furry friends cool in the heat

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We are always looking for a way to keep ourselves cool in heat of the summer.  This week has proved that summer is here.  Temperatures hovering around 90 for the last few days with high levels of humidity.  It’s hard enough on us to stay cool, but what about our furry friends.  They can’t tell us their hot and uncomfortable.  It’s our job to check on them and provide them solutions to this heat.

Here are so great suggestions you can try to keep your furry friends cool and comfortable during excessive heat and humidity.

Cooling pet beds: A mat that you fill up with water and put on the hardwood floor. It is maintenance free, wipes clean easily and doesn’t allow fleas or ticks to penetrate.

Cool-it Bandana: Secure the bandana your dog’s neck just like an everyday bandana.  Soak the Cool-It Bandana for 15-30 minutes before placing it on your pup. Cooling beads inside the bandana help keep the water at a low temperature for hours.

Water: Use a self-watering pet bowl throughout the house, to be sure there is always an ample supply of water.

Frosty Paws:  A great treat you can buy right at your local grocery store, located in the pet food isle.  They are little frozen treat cups that your dog will surely enjoy and helps to keep them cool.

Ice cubes:  Take out a few ice cubes from the freezer and offer them to your dog.  If needed break them up into smaller pieces.  Most dogs will be happy to chew on an ice cube, it helps hydrate them and cool them down quickly.

Outdoor Activities: Avoid prolonged activity outdoors.  Shorten your daily walks during excessive heat.

Hair Cut: Give you pets a hair cut at the beginning of summer.  A short hair cut will help keep them cooler.

Swimming:  Do you have a local lake or pond near you?  Consider taking Fido for a swim in the evening on hot days.  Most dogs enjoy the water, and this will be a chance for him to have fun and cool down.

You can check your local pet stores as well for a variety of other options to help keep your pets cool during the heat of the summer.

Penny Hanley & Howley Insurance, Protecting YOU is our Job.

Pool Safety Tips

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Well Summer is here, as we’ve noticed by the increasing hot temperatures this week.  But if you have a pool, you are really enjoying this weather. We have to remember as fun as playing in the pool can be, there are safety tips we should all follow to make sure we have a fun and safe Summer.

Here are some great Pool Safety Tips from


  1.  Supervision: Always watch your children and never leave them unattended around pools and spas. Share safety instructions with family, neighbors and friends.
  2. Fencing: Install a fence around the entire pool with self-closing and self-latching gates. If your house serves as the fourth wall of a fence install pool and door alarms.
  3. Pool and Spa Covers: Install pool and spa covers to keep children out. Keep them in good working order.
  4. Alarms: Install alarms in the pool and on any access doors to the pool to let you know when someone is in the pool or pool area.
  5. Safety Drain Covers: Ensure that your pool has compliant drain covers that prevent suction entrapment’s.
  6. Swimming Lessons: Learn how to swim and teach your children to swim. Make sure your family knows basic water safety steps.
  7. Learn CPR: Learn to perform CPR on children and adults; update those skills regularly.

These tips could help prevent an accidental injury or death.  Having a pool is fun, but safety should always be first.  Make sure to check your homeowners policy to be sure your covered as well for any possible liabilities.

Penny Hanley & Howley Insurance

Protecting YOU is our Job



Small Business Tips: Promoting

As we discussed in our last segment, using a variety of email marketing, networking and print media tools is another great way to market your small business.  But wait, there is more you can do. It’s Branding, Promotions and Trade Shows.  This type of marketing can cost your business some money, but be selective in what you do and you can make your money stretch and get the best combination of marketing for your business.


The Definition of Branding is the process involved in creating a unique name and image for a product in the consumers’s mind, mainly through advertising campaigns and a consistent theme. Branding aims to establish a significant and differentiated presence in the market that attracts and retains loyal customers.

Now as we having been discussing all the options a small business has when marketing, the most important thing is to remember you are Branding your business.  If you haven’t come up with a unique logo for your business as of yet, this would be good time to think about getting one.  Whether it is a logo you design and draw yourself, or have a company or local artist do for you, it is necessary to have this before you start your marketing.  Use this logo everywhere.  Put it on your business cards, use in all your social media, in your email signature, in your advertisements…where every you plan to market your business.  Your logo is your brand.  Your brand is what people will recognize and remember.  So make it unique and something that will stick in your customers minds.

Promotional Items

Once you have your logo and unique name, you have some other great options to marketing your businesses.  Consider promotional items, meaning such things as pens, clips, note pads and water bottles to name a few.  The options are endless, but can get very expensive.  So start small with something like a pen that you can hand out to each customer with your business name, logo, and phone number on it.  We all use pens and when someone goes to use your business’s pen, they now have a reminder of your business.  There are a large amount of companies that provide promotional items for your business.  Do a quick search online in your local area and you are sure to pull up several.

Trade Shows

Trade shows are a amazing way to market your business.  Now some of the larger ones can be costly, upwards of $1500 dollars, but you have to stop and think how this can build your business.  Trade Shows are the best way to meet new customers that would be interested in your service or product. Choose a show that best fits your business.  An excellent trade show for any business would be The CT Business Expo.  Also check with your local Chamber of Commerce as they usually hold a business showcase each year, which usually only runs a few hundred dollars.  This style of trade show may be more effective for your business when just starting out.  It attracts local, potential customers.  A great chance to meet new people, exchange business cards and sell yourself and business.  Now depending on your type of business, there are other options as well.  Say you are an artist, you could consider looking for local art shows in the area that allow you to setup a table for a small fee and display your work.  These types of shows are all over and can give you a great opportunity to market your business on a small budget.

Well we hope these few suggestions continue to help you with marketing your own small business. Always remember, a combination of marketing tactics is what works the best. If one type of marketing isn’t giving you the return you expect, try something new.  Always remember you are branding your business through all your marketing efforts.

Next week we will discuss using videos and youtube to help market your small business.

Penny Hanley & Howley Insurance

Protecting YOU is our Job

10 Top Cars Stolen in Connecticut

stolen cars in connecticut, phh insurance

10 Top Cars Stolen in Connecticut

In 2011 FBI crime statistics indicate a 3.3 percent reduction in thefts from 2010.  The agency said in a press release, “While overall thefts continue to decline, we are seeing a trend toward increases in the thefts of late model vehicles”.  “Today’s vehicle thieves are typically professional criminals who have figured out how to get the key code for a specific vehicle, have a replacement key made, and steal the vehicle within a matter of days.”

On the national list, the bureau found that the top three most stolen vehicles in 2011 were the 1994 Honda Accord, the 1998 Honda Civic and the full-size 2006 Ford Pickup.

The top 10 in Connecticut are as follows:

  1. 1997 Honda Accord
  2. 1998 Honda Civic
  3. 1995 Acura Integra
  4. 1998 Nissan Maxima
  5. 1999 Toyota Camry
  6. 1999 Dodge Caravan
  7. 2005 Nissan Altima
  8. 1996 Toyota Corolla
  9. 1997 Full Size Ford Pickup
  10. 2000 Jeep Grand Cherokee

So as you can see the majority of the cars stolen are imports.  So what makes these cars so popular for thieves? Why don’t thieves steal more valuable luxury cars like Mercedes, Lexus or Cadillac?  It is suggested that there is more money in stealing later model foreign cars like Honda and Toyota, as they can scrap the parts to scrap yards and auto body shops much easier.  What are your thoughts, could that be the reason for the increased theft of late model vehicles?

Either way, it’s good to know that regardless of what you drive you will be covered by your Auto Insurance.  Always make sure you have the best coverage you can afford.  For more information on rates and coverage Penny Hanley & Howley Insurance can help.  Protecting YOU is our Job.