Tag: Connecticut Requirements

Homeowners policies often exclude or limit horses, barns and boarding. How Connecticut horse owners in Greenwich, Ridgefield and Litchfield County structure coverage, and what the state's equine statutes do.

The Connecticut FAIR Plan is the property insurer of last resort. Its $350,000 dwelling limit, named-peril coverage and exclusions make it a stopgap, especially for high-value and coastal homes.

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.

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.

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.

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.

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.

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.

Renting your Connecticut home, cottage or ADU on Airbnb or Vrbo usually falls outside a standard homeowners policy. How platform protections work, town licensing, the 15% occupancy tax, and the right coverage.

A step-by-step guide to challenging a denied or underpaid home or auto claim in Connecticut: the denial letter, appraisal, public adjusters, and filing a complaint with the Connecticut Insurance Department.

How to check an agent's Connecticut license, what credentials mean, the questions to ask, and the red flags that should send you elsewhere.

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.

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.

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.

What changes on your home and auto insurance when you move to Connecticut from another state, and why a licensed advisor reviews it instead of a quote calculator.

What shapes auto insurance for New London, CT drivers - Connecticut requirements, local factors, and why an advisor reviews the details instead of an instant online quote.

A growing number of Connecticut homeowners are getting non-renewed after a carrier reviews an aerial or satellite photo of their roof. State regulators have already ruled on how far that practice can go.

Connecticut law gives you 60 days after a non-renewal notice before coverage actually ends. Here is what the notice can and cannot say, what the FAIR Plan actually covers, and how to use the window.

A new state-mandated notice is now landing in Connecticut homeowners and renters renewal packets, stating in plain language that flood is not covered. Here is what triggered it and what to do about it.

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 leaking heating oil tank in Connecticut makes you legally responsible for the cleanup — including on your neighbor's property — and not every homeowners policy responds. What the state requires and what to check before it happens.

The National Flood Insurance Program's authority to write new policies expires at midnight on September 30, 2026. Here is what actually happens to a Connecticut closing if Congress does not act before then — and what does not.

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.

As of July 1, 2026, Connecticut sellers must disclose flood zone, flood history, and current flood coverage on the residential property condition report. Here is what that means for your sale and your buyer's insurance.

A failed sump pump or a backed-up sewer line is one of the most common reasons a Connecticut homeowners claim gets denied — and the reason is written plainly into the policy exclusions, not hidden in fine print.

Your condo association's master policy does not cover as much as most owners assume, and when it falls short, the difference gets billed back to every unit owner as a common expense. Here is where your own HO-6 policy needs to pick up the rest.

Connecticut became the first state to give every resident an address-level climate risk score at no cost. Here is what the five risk categories actually measure, and why one independent study says the flood number runs high.

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.

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 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.

Decode your Connecticut auto insurance policy and understand what coverage you have, what you need, and how to save money.

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