Insurance Products
We take pride in our consultative approach; at Keating Agency, Inc. we take the time to understand your changing insurance needs, and will put a personal insurance or business insurance program in place that will deliver economy, superior protection, and risk management assistance.
Personal Insurance Products (Auto and Home Insurance)
- Personal Package
One Policy PLUS One Bill = Protection and Convenience
You can combine your auto, home and other coverage in one comprehensive policy...we can start now with just your auto or home and then "package" the other coverage when your current policy expires.
Not all carriers offer the same benefits, but here are some of the common Package Policy "perks":
- Money-saving discounts for combining your protections
- More coverages, both standard and optional, so you can get complete protection that fits your lifestyle!
- Collectible coverage may be available for things like coin collections, a Hummel collection, sports cards and more.
- Higher limits on jewelry, silverware and watercraft may be offered.
- A "blanket" property limit that adds flexibility in the case of a loss
As you can see, the Personal Package Policy is one that is unique and may offer you better coverages for a better value. Find out today how the Keating Agency can help you maximize all of your important insurance coverages in one, convenient policy.
- Homeowner Insurance
Much Goes Into a Home, Don't Risk Losing It All
A homeowner policy is not just a small pile of papers, it's the contract that makes you whole again for a variety of causes.
If for some reason your home is destroyed and you cannot use it for an extended period of time, your homeowners policy will cover that.
The insurance coverage extends to the contents in your home, it provides liability coverage for damage to property of others as well as for injury caused to someone by you or a family member.
Your policy can be personalized to include greater levels of protection for important property, home offices, boat ownership liability, additions and alterations to your home and much more.
Find out today how the Keating Agency can give you peace of mind knowing your home and your possessions will be protected.
- Personal Auto Insurance
You're a Good Driver, But Are They?
You're in an accident, it's not your fault...are you covered? What if that driver does not have any auto insurance or simply is not carrying enough insurance?
You need to protect yourself and the best way is choosing an automobile policy that fits your needs. Some of the better policies can offer:
- Liability insurance for property damage or injury to others caused by you or other household members.
- Medical reimbursement
- Adequate uninsured/underinsured motorist coverage
- Business use coverage
- Coverage for Teens and guest drivers
- And much more...
While the concept of insuring your automobile sounds simple, you can see just how complex it can be! Let's not forget the significant impact it can have on your financial well-being as well. Our expertise at the Keating Agency can ensure you make the right choices. Let's get started with an automobile quote today!
- Liability insurance for property damage or injury to others caused by you or other household members.
- Antique, Classic and Customized Automobile Insurance
These "babies" Reflect You...So Protect Them!
Whether you call your vehicle Classic or Antique, it is a big part of your life...the hobby with a vision that has brought you so much joy and pride.
We share your dedication to caring for and protecting your special vehicle and can help you care for your classic car by providing the policy that is right for you.
In fact, if you wish to get a quote now, click on the Hagerty Collector Car Insurance icon below...they are one of our recommended partners specializing in keeping your "baby" protected.
- Condo Insurance
Your Condo is Your Home, Don't Risk Losing It All
A Condo policy is not just a small pile of papers, it's the contract that makes you whole again from the "walls in" for a variety of causes.
If for some reason your condo is destroyed and you cannot use it for an extended period of time, your Condo policy will cover that.
The insurance coverage extends to the contents in your condo, it provides liability coverage for damage to property of others as well as for injury caused to someone by you or a family member.
Your policy can be personalized to include greater levels of protection for important property, home offices, boat ownership liability, additions and alterations to your condo and much more.
Find out today how the Keating Agency can give you peace of mind knowing your condo and your possessions will be protected.
- Flood Insurance
Water, Water Everywhere...that's not covered?
Even if your home or business is located away from water or is covered by a homeowner or business insurance policy, you may still need Flood Insurance.
Groundwater flooding can cause damage to buildings on higher ground many miles from a body of water and over 20% of flood insurance claims originate from areas that are not considered to be high flood-risk.
Homeowner and business insurance policies generally exclude flood and related losses because of the catastrophic nature of floods. Affordable flood insurance protection is available through the National Flood Insurance Program...don't become a statistic, contact the Keating Agency today.
- Motorcycle Insurance
Get Your Motor Running...Head Out on the Highway!
But, know that if you on a motorcycle that they have a higher rate of fatal accidents than automobiles. United States Department of Transportation data for 2005 from the Fatality Analysis Reporting System show that for passenger cars, 18.62 fatal crashes occur per 100,000 registered vehicles. For motorcycles this figure is higher at 75.19 per 100,000 registered vehicles, four times higher than for cars. Source.
Motorcycle insurance covers most types of motorcycles including, cruisers, street sport, touring, high-performance bikes and scooters.
There are several quality markets that the Keating Agency represents, so let's get started with a quote!
- Personal Umbrella
I Have More Assets Than My Auto and Home Limits, How Do I Protect Myself?
Sometimes the coverage limits in our automobile and homeowner policies are not enough. Litigation today results in more and more jury awards for hundreds of thousands or millions of dollars.
An umbrella is an excess liability policy with high limits...it sits above your auto and homeowners policy in the event those limits are exhausted by a claim. Coverage are often broader than the underlying auto or home policies and they do vary from insurance company to insurance company.
If you have a higher than average net-worth, it's worth your time to get a quote or contact us. We all know how unpredictable life is, so why gamble with your financial future?
- Recreational Vehicle Insurance
You've Earned that Trip in the RV...Make Sure You're Protected
You are about to embark upon your dream trip around this great country of ours in your RV. This vehicle will not only get you from sea to shining sea, it will serve as your home and a place to entertain all your new RV friends that await you.
Because your RV is not a house and it's not a car, it needs special insurance protection so you can travel safely. We have products specially designed for the RV lifestyle...whether it's a motor home, travel trailer, fifth wheel or camper.
- Renters Insurance
Often Overlooked...
But this "little" policy does quite a bit to give you the insurance protection any tenant needs. A renters policy can:
- Protect your personal property in your rental unit and, in some cases, outside the rental property.
- Provide Liability for damage to the property of others or injury caused to someone by you or a family member.
- Be personalized to include greater levels of protection for important or high-valued property, home office situations or liability for boat ownership.
As you can see, this "little" policy can actually be quite "large" when it comes to your insurance coverage. To help answer any questions you may have, go to RentersInsuranceTips.com which offers free renters insurance tips and information to consumers! We think this website is very well done, presents the ABC's of renters insurance very well and will allow you to be educated for a quote or a good discussion with us!
- Scheduled Personal PropertyMany of us have possessions that are not adequately protected by a standard homeowner policy. Examples include jewelry, antiques, oriental carpets, art work, sports equipment, collectibles and firearms. Scheduling important possessions gives you adequate levels of protection, coverage against broader causes of loss and no deductible.
Commercial Insurance (Business Insurance)
- Business Auto InsuranceMaybe your business owns vehicles or maybe you rent or lease them. Maybe you or your employees use personal vehicles to conduct business. If so, you need Business Auto Insurance. A Business Auto Insurance Policy protects your business against injury to others and damage to property as a result of business use of vehicles.
- Business Owners PolicyThink of it as homeowner insurance for your business. This type of policy is appropriate for many small and medium sized businesses. It conveniently includes many types of coverage like liability, building, business property and loss of income.
- Directors and Officers Liability InsuranceD & O Insurance, as it is commonly called, is essential to attracting, retaining top business management talent. Lawsuits against a business and its management for negligent or wrongful acts can be brought by any number of constituents like shareholders, customers or regulatory bodies. D & O Insurance will fill in gaps in primary business liability insurance and will protect the personal assets of the directors and officers.
- Employment Practices Liability Insurance (EPLI)This kind of insurance provides insurance against liability for, as the name implies, employment practices. Protection, which will vary from policy to policy, covers a broad range of claims or lawsuits that might be brought by current or former employees or employment candidates. Just a few examples include sexual harassment, wrongful termination or discipline, wrongful failure to promote or hire, emotional distress, discrimination and invasion of privacy. Recent growth in employment practice litigation makes review of employment practices and insurance protection a necessity for most businesses today.
- Professional Liability InsuranceAny professional in any field is expected to possess skills and knowledge resulting from specialized training and experience. When a client or customer believes you have not conducted yourself according the standards of your profession or that you have been negligent in some way you can be sued. Standard business liability policies do not cover these situations. To supplement general liability protection you may need a specialty coverage known as Professional Liability Insurance or sometimes Errors and Omissions Insurance.
- Workers' Compensation InsuranceThis type of insurance pays for medical and rehabilitation expenses for workers injured on the job. Lost wages are also covered. Each state governs the compensation details, including the amounts paid. This is often a mandatory type of insurance.
Individual Health & Financial Products
- Financial ServicesFinancial products for individuals and families including life insurance, fixed annuities, disability insurance, mutual funds and IRAs.
- Life Insurance (Individual)Life insurance is an essential part of any financial program. A variety of policies and limits can be used to pay off a mortgage, cover future education expenses, fund a business buy-sell agreement and more. The type of policy and limits you need will depend on your financial goals.
- Disability Insurance (Individual)A study performed by the American Council of Life Insurers showed that a 35 year old is six times more likely to be disabled than die before they are 65. Disability policies can be tailored to supplement employer benefits, provide benefits to the self-insured, or to fund a business disability buy-sell agreement.
- Long Term Care InsuranceAmerica's population is aging and many of us may find our assets at risk as we struggle to pay the costs of daily living assistance during periods of serious illness or disability. These costs are not covered by traditional health policies or Medicare. For some, Long Term Care Insurance may be the best alternative.
- Michael J Keating Agency, Inc.
- 10 Arapahoe Road
- West Hartford, Ct. 06107
- Phone: (860) 521-1420
- Fax: (860) 521-1423
- Mailing Address
- PO Box 270048
- West Hartford, CT 06127-0048
