Tag: High Net Worth

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 percentage hurricane deductible on a multi-million-dollar Connecticut shoreline home is a six-figure number most owners have never actually computed. Here is exactly when it applies, how much, and where.

Chubb, PURE, Cincinnati, Berkley One, and Private Client Select are not interchangeable. A structural comparison of how each is organized, how each handles valuation and claims, and what that actually means for a Connecticut estate.

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.

A collector car titled to Connecticut's Early American plate is not just a registration choice — it is a signal that your standard auto policy is settling the vehicle on the wrong basis entirely.

If you employ a nanny, estate manager, or household staff, your standard personal umbrella policy almost certainly excludes claims they might bring against you as an employer. Here is the coverage gap and how it gets closed.

Standard homeowners policies never cover flood. Here is how to look up your own parcel's FEMA zone, where NFIP limits run out on a higher-value Connecticut home, and how excess and private flood fill the gap.

Umbrella limits are usually set by habit rather than analysis. Here is what an umbrella sits above, how underlying-limit requirements create hidden gaps, and how to size a limit against real household exposures.

Standard homeowners forms are built for typical houses. Here is how replacement cost, ordinance or law, cash settlement, and named-storm deductibles work on a Connecticut high-value home.

Homeowners policies cap jewelry, art, and collectibles far below what most families own. A practical guide to scheduling, agreed value, appraisals, and coverage for watches, art, and wine.

Homeowners watercraft coverage stops well short of a real boat. Here is how hull valuation, navigational limits, hurricane haul-out, fuel spill liability and wreck removal actually work on Long Island Sound.

A weekend house on the shoreline is underwritten as a different risk than the house you live in. How vacancy provisions, freeze warranties, named-storm deductibles, flood, rental use and umbrella coordination actually work.

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.

When title moves to a trust or an LLC, the policy has to move with it. How named insured status, umbrella scheduling and lender interests decide whether a claim gets paid, and to whom.

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.