Tag: Umbrella & Liability

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.

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.

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.

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.

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.

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.

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.

Learn the fundamentals of Connecticut homeowners insurance, from basic coverage to additional protections you might need.

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