Tag: Business Insurance

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 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.

How Connecticut workers' compensation actually works for small employers: who needs coverage, how payroll and class codes drive premium, experience modification, owner elections, subcontractor certificates, and the misclassification mistakes that surface at audit.

A practical guide to cyber insurance for Connecticut small and mid-size businesses: breach notification obligations, first-party versus third-party coverage, ransomware and social engineering sublimits, business interruption waiting periods, and the exclusions that decide claims.

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.

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.

Connecticut restaurant owners need specialized insurance coverage. Learn about essential policies to protect your food service business.

Navigate Connecticut's business insurance requirements. Learn about mandatory coverage, recommended policies, and cost-saving strategies.