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.
Private clubs combine hospitality, recreation, seasonal staff and volunteer boards. The coverage Connecticut clubs need, from liquor liability and pools to D&O for the board.
Connecticut's aerospace, defense and precision manufacturers face product, recall, equipment and cyber exposures that a basic package misses, plus the federal CMMC cybersecurity requirements now in contracts.
Malpractice is only one part of a practice's program. What Connecticut physicians, dentists and therapists need for liability, patient data, equipment and employees.
Connecticut's Common Interest Ownership Act shapes what an association must insure. A guide for boards and managers on the master policy, deductibles, D&O, crime and flood.
Connecticut's Supreme Court has refused to enforce recreational liability waivers against negligence claims. What that means for gyms, studios and trainers, and the coverage that actually protects them.
A general liability policy does not cover customers' cars in your shop. How garage liability, garagekeepers and related coverages fit together for Connecticut repair and collision shops.
A burn from a chemical treatment or a reaction to a facial is a professional liability claim, not a slip-and-fall. What Connecticut salons, barbershops, spas and booth renters need.
When a software bug or a managed-service outage costs a client money, general liability does not respond. How Connecticut tech firms combine technology errors and omissions with cyber liability.
Connecticut does not currently require licensed child care programs to carry liability insurance, but nearly every center needs it. Coverage for abuse claims, transportation, property and staff.
Craft beverage producers are manufacturers, retailers and bars at once. The coverage Connecticut breweries, wineries and distilleries need for products, taprooms, equipment and inventory.
Interstate carriers face FMCSA minimums; Connecticut household goods movers need a CTDOT certificate. What truckers and movers need for liability, cargo, physical damage and drivers.
Connecticut does not require attorneys to carry malpractice insurance, but most firms do. How lawyers' professional liability works, plus the cyber and wire-fraud risks law firms face.
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.
Most Connecticut homeowners policies provide little or no coverage for business property and business liability. What is excluded, the typical $2,500 limit, and the three ways to close the gap.
How independent agents, captive agents and direct insurers differ in Connecticut, who each one suits, and the questions that tell you whether you are getting advice or just a price.
Typical 2026 cost ranges for general liability, BOPs, workers' compensation, professional liability and commercial auto, plus the Connecticut factors that push your premium up or down.
Forming an LLC in Connecticut does not protect the business's own assets and does not replace insurance. What is legally required, what contracts require, and what most LLCs should carry.
Under Connecticut's Dram Shop Act a seller can owe up to $250,000 when an intoxicated patron injures someone. How the statute works, why general liability excludes it, and what liquor liability covers.
Connecticut's employment laws reach very small employers, and harassment training is mandatory at three employees. How EPLI responds to discrimination, harassment and retaliation claims, and what it excludes.
Professional liability covers claims that your advice or service caused a client a financial loss, which general liability excludes. Who needs it in Connecticut, and how retro dates and tail coverage work.
Connecticut adult-use cannabis sales began in January 2023, but federal illegality keeps many standard carriers out. What coverage cannabis businesses need and where it comes from.
Many general liability policies exclude snow and ice removal, and personal auto policies exclude plowing for hire. What Connecticut plow and landscaping contractors need, and what property owners should require.
Business interruption pays lost income only after covered physical damage, and an off-site power outage is usually not covered without a utility service endorsement. How it works for Connecticut storms.
Short, direct answers to the questions Connecticut residents and business owners ask most about home, auto, flood, umbrella and commercial insurance, with links to our full guides.
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.
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Read about coverage for your Connecticut home and questions to discuss with an advisor.
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