Connecticut Insurance Insights

Connecticut homemaker-companion agencies must register with DCP and carry at least a $10,000 surety bond or insurance covering employee theft. The coverage a home care agency actually needs.

Connecticut nonprofits need more than board D&O. Volunteers, special events, programs with minors, donated property and fundraising all create exposures to insure.

Disclosure disputes, showing injuries, wire fraud and tenant claims: the E&O, liability, crime and cyber coverage Connecticut real estate professionals and property managers need.

Licensed trades in Connecticut face completed-work claims, water and fire losses, and strict contract requirements. The coverage electricians, plumbers and HVAC contractors need.

What Connecticut homeowners are paying in 2026, how much the Insurance Department has let rates rise since 2022, the October 2026 rate decreases, and the factors that actually move your premium.

Connecticut full-coverage auto insurance estimates for 2026 run from about $2,300 to $3,850 a year. Here is why the numbers disagree, what the October 2026 rate decreases mean, and what actually sets your price.

Connecticut is an at-fault (tort) state, not a no-fault state. What that means for who pays after a crash, the 51% comparative negligence rule, deadlines, and the coverages that protect you.

A step-by-step insurance checklist for Connecticut drivers: what the law requires at the scene, what to document, when to call your insurer, your right to choose a repair shop, and mistakes that cost money.

In Connecticut, auto insurance generally follows the car first. What happens when you lend your car, borrow someone else's, or have an unlisted driver in the household.

Personal auto policies in Connecticut usually exclude driving for hire and food delivery. Here is where rideshare company coverage starts and stops, the delivery-app gap, and how rental cars are handled.

Connecticut homeowners policies generally do not pay to replace a foundation damaged by pyrrhotite. What the Connecticut Supreme Court decided, how CFSIC assistance works in 2026, and what buyers and owners in eastern Connecticut should do.

In Connecticut, your own homeowners policy usually pays when a tree falls on your house, even if it was your neighbor's tree. The exception is a tree the owner knew was dead or dangerous. How claims, tree removal limits and deductibles work.