Connecticut Insurance Insights

Families with a Connecticut primary residence and homes in Florida, on the Cape and Islands, or in New York face different markets, deductibles and liability rules in each. How to keep one coherent program.

Collector-car policies restrict mileage and use; standard auto policies undervalue and under-repair exotic cars. How Connecticut owners insure a daily-driven Porsche, Ferrari, Lamborghini or high-end EV.

Connecticut makes dog owners and keepers strictly liable for injuries their dogs cause, with narrow exceptions. How homeowners and umbrella policies respond, and the breed and bite-history exclusions to watch.

Going from a Manhattan co-op to a Greenwich, Darien or Westport house changes almost every policy you own. The insurance checklist for New Yorkers moving to Connecticut.

Connecticut's automatic orders restrict changing insurance during a divorce, and the end of a marriage splits policies that were built as one program. What to keep, what to split, and when.

Owned rooftop solar is usually covered as part of the house, but leased systems, ground mounts, batteries and roof leaks raise questions. What Connecticut homeowners should check.

Connecticut has thousands of 18th- and 19th-century homes. Why rebuilding them costs far more than market value suggests, how local historic district rules affect a claim, and what coverage to insist on.

A tented wedding or fundraiser on your property puts hundreds of guests, vendors and alcohol under your liability. What your homeowners policy covers, when to buy special event coverage, and what to require from vendors.

A single-family office has the exposures of an investment firm and a household at once. How Connecticut family offices structure management liability, professional liability, cyber and crime coverage.

Connecticut's advisers and funds, from Greenwich hedge funds to state-registered RIAs, need professional, management and cyber liability built for regulators, investors and wire fraud.

Families often hold apartment buildings, retail strips and mixed-use properties in separate LLCs. How to insure the portfolio efficiently with blanket limits, loss of rents, ordinance or law, and one umbrella.

Connecticut marinas hold millions of dollars of customers' boats on the hard and in the water. The marina operator's liability, property, pollution and workers' compensation issues specific to the Sound.