Blog - Keating Agency Insurance
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Consumer Alert from CT Insurance Department

Unfortunately, the criminals are at it again, this time trying to impersonate a CT Insurance Department employee in the hopes of getting your policy numbers and other personal information. Because we are a local, independent agency we are able to work with great carriers to team up and get this news spread as fast as possible.  Thanks to Plymouth Rock/Bunker Hill for getting on this alert quickly. Now, we'll do our part by sharing this story and ask our readers to do the same...share to as many Read more [...]

Think Cheap Insurance Is Good for Your College Student?

It's back-to-school time.  As you contemplate what your college student is taking to school, remember to protect those items away from home.  A cheap insurance policy may not be enough. In the world before laptops and cell phones (the dark ages), coverage for college students was fairly simple.  You didn't need more than a cheap insurance policy to cover the clunker they drove on campus. As this comprehensive article from the LA Times notes, today's student may have auto, home, life, and Read more [...]

Cyber Risk Insurance

Privacy laws are constantly evolving, creating new responsibilities for businesses. If you experience a privacy or security breach, will you know what to do? A new and inexpensive insurance is available for this risk. Called by different names, such as Privacy, Network Security, Data Breach or Cyber Risk Insurance, this protection is critical for all organizations. What is it? Protection from cyber and technology risks, such as: loss or inadvertent disclosure of confidential private Read more [...]

Business Ideas for Home Could Be Bad Ideas

Turning a hobby into a money-making endeavor is a popular business idea in the gig economy. If making jewelry is your passion, why not make money doing what you love? Our friends at Property Casualty 360 offer a cautionary tale. It's a must read if you plan to, or already are running a home business. Oh, you may not consider it a business, but the courts do meaning major financial risk to you. Does Homeowners Insurance Cover Business Ideas? Before putting your home business ideas into Read more [...]

Auto Insurance Premium Factors

You probably don't think about your auto insurance premiums most days.  You have plenty of other things to occupy your mind like work, what's for dinner, or taking your pet to the vet. If you are accident free and have a clean driving record, your auto insurance premium may be one of the last things on your mind - until you get your renewal notice.  It's going to cost WHAT?! If you are like most people, the cost of your auto insurance has been steadily creeping up the last several years. Read more [...]

Texting and Driving Is Dangerous at Any Age

When we talk about the problem of texting and driving, we usually think about teenagers. Commercials about the dangers of texting and driving usually show young people as the culprits. However, our friends at the Claims Journal say that distracted driving is a problem for every age group. A study shows that older adults are driving while distracted LESS than their younger counterparts, but it found that 60% of drivers aged 65 and older talk on the phone when they drive!  What? Texting Read more [...]

The Factors that Go into Home Insurance Premiums

There's a difference between a house and a home.  The structure that starts as a house becomes your unique home as you accumulate possessions (a piano, art) and memories (birthdays, anniversaries). You likely got Homeowners Insurance when you bought your house, but how long has it been since you reviewed your coverage? Your home and your life go through changes, so it's a good idea to periodically review your policy. When you do, it's good to know the items that factor into home insurance Read more [...]

Rental Car Insurance: To Buy or Not to Buy

We are at the height of the summer driving season.  As you prepare for vacations and staycations, you may consider renting a car.  Renting a car for family travel adds to the fun and reduces the wear and tear on our own vehicles. When you reach that fateful moment at the rental counter and are asked: "Do you want the loss/damage car rental insurance?"  Do you say yes, or no? Often, people pass on the rental car insurance.  They believe their personal car insurance or credit card used Read more [...]

The Keating Agency Hopes You Have a Safe and Happy Independence Day!

On this Independence Day, we celebrate the 241st birthday of our great nation. As always, this includes fireworks. Many communities have large-scale fireworks shows planned this month. However, budget issues have caused some municipalities to cancel annual Independence Day displays. If you plan to purchase small-scale fireworks, local station Fox 61 has some valuable information from the South Windsor police and safety tips courtesy of the FireworksSafety.org. Legal Fireworks and Safety Read more [...]

Cheap Auto Insurance Fails to Deliver with High-Tech Repair Costs

Cheap auto insurance can be defined in good and bad ways. GOOD: Cheap/low cost is what many business people would prefer, wanting to keep expenses down. BAD: Cheap often means flimsy or poorly constructed.  This can hit the bottom line hard when you have expensive repairs. As vehicles in your fleet get more technologically advanced, fixing them after an accident requires specialized parts and more skilled technicians to install them properly! That's when cheap auto insurance can Read more [...]

Commercial Auto Insurance Is Expensive – Here’s Why

While the cost for most commercial insurance segments are going down, national rating agency Fitch Ratings says commercial auto insurance rates are rising at an accelerated pace.  It also predicted that rates will continue to increase in the near future. This news is probably making steam come out of your ears. Your Commercial Auto Insurance went up last year, and the year before that, and now it's going up again!  What? This may be especially troubling if none of your company vehicles has Read more [...]

Cyber Security: No Business Is Too Small to be Targeted

Cyber security is one of the hottest topics in business news. We are always hearing about hacking attempts at major corporations like Target and Yahoo. Big names mean big press! Do you think your business is too small to be targeted? An article from CBCNews says that small companies actually run a higher risk of facing a cyber attack. Consequently, smaller companies don't always have the sophisticated security systems or budgets enjoyed by large corporations. If an employee (or you) clicked Read more [...]

Hurricane Season Tips to Help You Prepare

Hurricane season started on June 1 and meteorologists say Atlantic conditions are “favorable" for storms this year. It's been five years since Super Storm Sandy plowed a destructive path along the East Coast. Years of uneventful storms may have lulled us into complacency.  Are you prepared for a hurricane? Hurricane Season Checklist Our friends at the Insurance Information Institute developed a list of things you should know and review before the storms come.  We'll cover some of Read more [...]

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