Connecticut Focus

Connecticut became the first state to give every resident an address-level climate risk score at no cost. Here is what the five risk categories actually measure, and why one independent study says the flood number runs high.

Connecticut requires 25/50/25 liability plus uninsured and underinsured motorist coverage. Here is what those limits actually buy, where they fail a household with assets, and how to size auto limits properly.

A family with a nanny, housekeeper, estate manager or regular groundskeeper is an employer. Here is why homeowners liability does not substitute for workers compensation, and what else follows.