Connecticut Insurance Insights

General liability, certificates of insurance, additional insured status, subcontractor risk transfer and completed operations — a practical guide for Connecticut contractors on what these documents do and do not do.

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.

When a permit holder must be listed, why rating follows the household rather than the title, how students away at school are handled, and why a teen driver is the right moment to revisit umbrella limits.

A weekend house on the shoreline is underwritten as a different risk than the house you live in. How vacancy provisions, freeze warranties, named-storm deductibles, flood, rental use and umbrella coordination actually work.

A major renovation changes your rebuild cost, your occupancy status and who is liable on site. What to report before work starts, who buys builders risk, what a certificate of insurance really proves, and what to fix when the job is done.

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.

When title moves to a trust or an LLC, the policy has to move with it. How named insured status, umbrella scheduling and lender interests decide whether a claim gets paid, and to whom.

A homeowners policy is not built for a house someone else lives in. How the dwelling fire form works, why loss of rents limits and periods matter, what tenant damage really covers, and how vacancy, lead, and short-term rentals change the analysis.

A BOP bundles property, general liability, and business income into one form at a lower cost than buying them separately. What it covers, what pushes a business out of it, which endorsements matter, and where the valuation traps sit.

Owned, hired and non-owned auto coverage explained in plain English — plus vehicle titling, driver screening, cargo and equipment, and how commercial auto sits beneath an umbrella for Connecticut businesses.

Board service can put personal assets at risk. A plain-English guide to D&O coverage for Connecticut nonprofits and private boards — coverage sides, employment practices claims, defense cost structures, claims-made traps, and what to ask before you join.

Winter weather can cause significant property damage. Learn what your Connecticut insurance covers for snow, ice, and winter storms.