Tag: Umbrella & Liability

Family kidnap, ransom and extortion coverage pays for expert crisis response as much as for ransom. Who carries it, what it covers, and why some private-client homeowners policies already include a version of it.

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.

Personal umbrellas almost always exclude aircraft. How Connecticut families who own, share or charter private aircraft insure hull and liability, and why non-owned aircraft liability matters.

When a family needs $10 million to $100 million of personal liability, coverage is built in layers. How towers work, what exclusions to check, and why UM/UIM and board service need attention.

Families with a Connecticut primary residence and homes in Florida, on the Cape and Islands, or in New York face different markets, deductibles and liability rules in each. How to keep one coherent program.

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.

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 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 nonprofits need more than board D&O. Volunteers, special events, programs with minors, donated property and fundraising all create exposures to insure.

In many Connecticut towns, the homeowner or business next to a public sidewalk, not the town, is liable when someone slips on snow or ice. How Section 7-163a works and how your insurance responds.

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.

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.

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.

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.