Connecticut Insurance Insights

A growing number of Connecticut homeowners are getting non-renewed after a carrier reviews an aerial or satellite photo of their roof. State regulators have already ruled on how far that practice can go.

Connecticut law gives you 60 days after a non-renewal notice before coverage actually ends. Here is what the notice can and cannot say, what the FAIR Plan actually covers, and how to use the window.

A new state-mandated notice is now landing in Connecticut homeowners and renters renewal packets, stating in plain language that flood is not covered. Here is what triggered it and what to do about it.

A percentage hurricane deductible on a multi-million-dollar Connecticut shoreline home is a six-figure number most owners have never actually computed. Here is exactly when it applies, how much, and where.

Chubb, PURE, Cincinnati, Berkley One, and Private Client Select are not interchangeable. A structural comparison of how each is organized, how each handles valuation and claims, and what that actually means for a Connecticut estate.

A municipal bid packet full of ISO form numbers and liability limits is not optional reading. Here is what "primary and non-contributory," a waiver of subrogation, and specific CGL endorsements actually mean for your certificate.

A leaking heating oil tank in Connecticut makes you legally responsible for the cleanup — including on your neighbor's property — and not every homeowners policy responds. What the state requires and what to check before it happens.

The National Flood Insurance Program's authority to write new policies expires at midnight on September 30, 2026. Here is what actually happens to a Connecticut closing if Congress does not act before then — and what does not.

A surprise workers' comp audit bill for uninsured subcontractors is only half the story in Connecticut. Under CGS 31-291, a general contractor can be made to pay the injured worker's benefits directly, not just the premium.

Connecticut's new labor and employment law adds an uncapped workers' comp benefit, expands pay transparency liability, and makes general contractors liable for a subcontractor's unpaid wages. Here is what each means for your coverage.

Connecticut approved another statewide workers' compensation loss cost decrease for 2026. If your renewal went up anyway, the reason is specific to your business, not the state of the market.

As of July 1, 2026, Connecticut sellers must disclose flood zone, flood history, and current flood coverage on the residential property condition report. Here is what that means for your sale and your buyer's insurance.