Monthly Archives: July 2013

Small Business Tips: Reaching new customers

So we have been discussing a variety of ways to market your business over the last several weeks.  We hope these tips have been helpful for your business.  Today we will discussion some other options your business can do to catch the attention of new customers.

Events:  Have you tried holding special events at your business?  Well, events can pull in a lot of new customers that have never set foot in your business before and also attract repeat customers.  Consider holding an event a couple times a year.  Such things as a ladies night out, wine tasting, customer appreciation day are just a few ideas.  Your current customers will appreciate your efforts and more than likely you will drawn in new customers as well.

Classes: Does you business have a specialty?  Well focus on that and offer a monthly class to the public.  Not only will you reach your current customers, but you will peak interest of others who may want to learn and could potentially be your new customers. This will also give you a break from your everyday routines, and you might just find you enjoy holding classes.

Local Fairs:  Do you have a product the public would be interested in?  Of course you do.  So escape the walls of your business every once in a while and hit a local fair or trade show.  This allows you to reach a new audience you may not reach otherwise. This is always one of the best ways to network with other businesses.

These are just a few more ideas on how to market your business effectively and gain new customers.

Tell us some great ways you have used to market your business.  Sharing your ideas may help another business.  Small businesses need the support of other small businesses to keep going.

Penny Hanley & Howley Insurance

Protecting YOU is our Job

We are here for all your Small Business Insurance needs.






Small Business Insurance what you need to know

small business insuranceWhen it comes to Small Business Insurance, there is a lot of information you need to know.  Making sense of it all can be difficult without a knowledgeable agent to discuss it with. Running a small business involves a significant investment. Business insurance protects your investment by minimizing financial risks associated with unexpected events such as a death of a partner, an injured employee, a lawsuit, or a natural disaster. Your state government determines insurance requirements for businesses.

There is a variety of business insurance that will work best for you.

A Business Owners Policy (BOP)- combines property, liability and business interruption coverage for small to medium-sized businesses.

General Liability Insurance– Broad insurance coverage for your business and activities

Business Auto Insurance– Cover your business with insurance for commercial vehicles

Commercial Property Insurance– Protect your business with insurance for your commercial property

Home-based business insurance-Coverage generally includes business property coverage; business liability, including product, personal injury and advertising liability

Worker’s Compensation Insurance– Insurance coverage that helps you take care of your employees

Specialty Insurance– provides insurance for contractors, wholesalers, restaurants etc.

Here are 5 tips that can help you when purchasing business insurance

1. Assess Your Risks

2. Shop Around

3. Consider a Business Owner’s Policy

4. Find a Reputable, Licensed Agent

5. Assess Your Insurance Coverage on an Annual Basis

Regardless of your type of small business, the best thing is to contact your agent.  They will be will be able to offer you all the options that work best for you and your business.

Penny Hanley & Howley Insurance

Protecting YOU is our Job



Where to hide your valuables

head of lettuceIn light of the recent amount of break-ins in the area over the last three weeks, we thought we would discuss some ways to keep your valuables protected.

The obvious would include keeping your doors and windows locked when you are not home and once you’ve gone to bed for the evening.  Other deterrents would be deadbolts, alarms and lights. If you are headed on vacation, consider keeping your blinds/shades closed so no one can see in your home.  As we discussed in a previous blog, when on vacation ask neighbors to pickup your mail and newspapers, so it’s not obvious to thieves you are on vacation.

Even after doing your best to deter a robbery, it can still happen.  One of the first rooms burglars will likely scour is the master bedroom, because it is generally where jewelry, cash and security safes are located. Other places such as the living room and home office will be targeted next. Many people have decided to find other ways to at least hide their valuables if a break-in does occur.  Here are some suggestions on where you can hide your valuables.

1. Air Vents: you can install a faux air vent storage unit in your home

2. Bedroom Mirror: they make bedroom mirrors with secret storage in them

3. Wall Art: have an old built in medicine cabinet you are no longer using.  Add a piece of art to the door as a diversion, and now you have a safe spot for valuables

4. Pantry Items and Cleaning Supplies: diversion safes that look like Trader’s Joe’s Sea Salt just to name one type

5. Closet Lighting: they make a working wall light that has hidden storage in it

6. Books:  they actually sell secret safe books, looks like a regular book, but it’s a safe

7. Old vacuum cleaner: unless the thief plans to clean house for you, this would not be a typical place to look

8. Head of Lettuce: this has to be the funniest of all the places to hide your valuables

Remember to make sure you valuables are protecting with proper insurance in the event a break-in happens to you.

Penny Hanley & Howley Insurance

Protecting YOU is our Job

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Who do you share your birthday with today?

Celebrity Birthdays

Well it’s Friday.  It is the end of the work week, a chance to wind down and enjoy your weekend.  So we thought we would stay away from insurance facts and info today.  Thought we would change it up a bit.  So let’s do something a little different.  Celebrity Birthdays.  Do you share your birthday with any of the Celebrity’s listed?  If so we hope you have a very Happy Birthday.

Elizabeth Gillies 19: Actress and singer best know for her starring role on Broadway’s 13 and TV’s Victorious.

Sandra Bullock 48: She achieved her fame as Annie Porter in Speed.  One of my favorite actresses.

Mick Jagger 69: One of the most influential musicians in the history of rock.

Kevin Spacey 53: Won an Academy Award for Best Actor as the troubled Lester Burnham in American Beauty.

Dorothy Hamill 56: Enchanting ice skater who won the Olympic gold medal in 1976.

Francia Raisa 24: Fiercely starred in Bring it On: All or Nothing as the cheerleader name Leti.

Chris Harrison 41: American television host known to most for hosting The Bachelor and The Bachelorette.

Roger Meddows 63: Drummer of the British rock band Queen.

James Best 86: Played the role of Sheriff Rosco P. Coltrane on the TV series The Dukes of Hazzard.

Kelly Clark 29: Champion snowboarder who has Olympic and X Games gold medals.

Sam Beam 38: Singer-songwriter whose songs have been featured on many hit TV shows including Grey’s Anatomy and House.

Bob Lilly 73: Hall-of-fame defenseman for the Dallas Cowboys.

Danny Woodburn 48: Portrayed the role of Mickey Abbott on Sienfield.

These are just a few of the celebrity’s with birthdays today.  We hope you have a great day and enjoy your weekend.  Look for a new blog on Monday.

Source info:

For all your insurance needs contact Penny Hanley & Howley Insurance

Protecting YOU is our Job


Your career choice can save you money on your car insurance

vet imageDid you know that your career can save you money on your car insurance policy?  That’s right there a variety of careers that offer a discount on your car insurance.  If you fall into any of these careers you to may be able to receive a discount from your carrier. Claims data states that insurers with certain career fields tend to file fewer claims than others. Many people are not even aware they can receive a discount on their car insurance based on their occupation.  So take a look at some of the following occupations listed to see if you fall into any of them.

1. Scientists and Engineers

2. Educators

3. Veterinarians

4. Dentists

5. Accountants

6. Firefighters

7. Paramedics/EMT

8. Pilots

9. Law Enforcement Officers

10. Business Owners

Are you getting the discount you deserve based on your career?

Penny Hanley & Howley Insurance

Protecting YOU is our Job

Small Business Tips: Go Mobile

Going Mobile

So you have been in business for a while now, using social media, blogging and other marketing strategies.  What else can I do to increase my reach to customers you ask?  The world is going mobile if you haven’t already noticed. We use our smart phones and tablets every day.  We check our Facebook, Twitter and email accounts right from our phones or tablets.  If we are doing this daily, so are the majority of your customers.  So why not make your business available to them on their phones and tablets.  It only makes sense doesn’t it?  How many APPs do you have downloaded on your phone?  I personally have quite a bit.  I use many of them on a regular basis.  Now you are thinking, an APP for my business, I can’t afford that.  Well you would be surprised.  We recently had an APP built for our company using a local small business that builds APPs for other small businesses.  Compared to the large companies that build APPs, his prices were more than affordable.  So don’t assume your business can’t afford an APP.  Look around in your area for a local small business that offers this service.  Not only will you be supporting another small business, but the service you will receive will be much more personal as well as more affordable.

The benefits of having an APP.

Let’s look into what an APP can do for your business.  Let’s take for example you own a small art store.  Now you probably have a variety of product, possibly events you hold, sales and other special promotions.  All of these things can be put into an APP.  Making these available to your customer’s right at their fingertips.  Image your customers can go to your APP and find out what your weekly sale is, what promotions you might be offering for the month, or even a calendar of your events or community events.  You can even have a coupon section for your customers.  Your loyal customers will be thrilled to have this information readily available to them.   Now you are front and center with your customers on a regular basis.  APPs also have a push notification feature, which allows you to send out notices to people who have downloaded your APP.  Now this can be a little touchy, you don’t want to overdue the push notifications, as you could drive away customers.  So be careful with how often you send out a notification and make sure it’s something they want to know about, a special sale or promotion you are offering or an upcoming event. You can also have access to your social media right from the APP.  So now your customers can go right to your Facebook page while on your APP and keep up with what’s going on. The goal is to always be on your customers brains as well as providing them useful information and tools they will appreciate.   Another way to continue building a long-lasting relationship with your customers.

Here is a screen shot of some of what our APP offers to our customers.

mobile app

Trust me when I say, if an Insurance Agency can make good use of an APP and have their customers download it, you can to. Give our APP a whirl and tell us what you think.

We hope you found this information useful for your business.

For CT Small Business Insurance, Penny Hanley & Howley Insurance has all our insurance needs covered.

Penny Hanley & Howley Insurance

Protecting YOU is our Job

Tips to help you purchase your next car

new car, phh insurancePurchasing a new car is always exciting but can be a little daunting dealing with the dealerships.  If you follow these suggestions by Edmunds, the car-buying process can be fast and enjoyable. But more importantly, you will have the satisfaction of knowing you got the car that’s right for you at an excellent price.

  • Understand the complicated car pricing system used by dealerships
  • Find the True Market Value® of a car
  • Use incentives and rebates to save money
  • Learn a non-confrontational negotiating strategy
  • Eliminate extra charges in the Finance and Insurance (F&I) office

You should also decide how you’re going to pay for that new car. Will you:

  • Finance the car with a loan?
  • Lease the car?
  • Pay cash for the car?

Here are a few other questions to keep in mind when you begin your car-buying process:

  • Do you want a manual or automatic transmission?
  • Do you really need all-wheel drive?
  • What safety features are important to you?
  • Do you need a lot of cargo capacity?
  • Will you be doing any towing?
  • Do you require adjustable seating positions?
  • Will the car easily fit in your garage or parking space?
  • Sometimes, needs and wants don’t weigh all the factors that go into making a decision.

Here are some great tools that will also help when purchasing your new car.

New Car Inventory tool

True Market Value (TMV®)

Incentives and Rebates

Affordability Calculator

Hopefully all these tips we have shared with you with help you make the best decision on your next car purchase.  Once you’ve decided on a new car, remember to get you CT Vehicle Insurance at Penny Hanley & Howley Insurance.  Always providing great service and competitive prices.  You can also go right online and use our Quoter and get up to 5 quotes in just a few minutes.

Protecting YOU is our Job