When you tear down and build in Greenwich, Westport or on the shoreline, your homeowners policy stops fitting. How builder's risk works, who should buy it, and the gaps owners miss.
Licensed trades in Connecticut face completed-work claims, water and fire losses, and strict contract requirements. The coverage electricians, plumbers and HVAC contractors need.
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.
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.
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 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.
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.
Our advisors can help you review your coverage needs.
Read about coverage for your Connecticut home and questions to discuss with an advisor.
Speak with our expert agents to find the perfect coverage for your unique needs.