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Business Insurance

Coverage

Industries

When an Insurer Says No

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Personal Insurance

Home Insurance

Auto Insurance

More Coverage Options

When an Insurer Says No

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About

Business Insurance

When something comes up at your business, you need a person who answers. Whatever your business does, you see each part of it beside the coverage that goes with it before you sign.

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A business owner behind a desk stacked with folders, hand on the back of his neck, looking at a thick policy.

Business Insurance Coverage

Your crew, your vehicles, your building and your data each get a line of their own.

A contractor in a hard hat and safety vest reading a folder of documents on a job site.General LiabilityFor a claim that someone was hurt or their property damaged because of your business.A restoration crew lead in a stripped room, writing on a clipboard beside a drying fan.Commercial PropertyFor your building, equipment and stock after a fire, wind, hail or vandalism.A shop owner in the doorway of a repair bay watching a mechanic at work, his face quietly worried.Workers’ CompensationFor an employee hurt or made ill at work: medical bills and part of lost wages.A driver leaning on the cab of his truck, reading and filling in a checklist on a clipboard.Commercial AutoFor the trucks, vans and cars your business drives, since a personal auto policy generally excludes business use.

Industries We Insure

A contractor in a hard hat and safety vest on a job site, on the phone, one hand on his helmet.ContractorsYour crew, your permits, your registration and your work vehicles.A restaurant owner at her counter holding a very thick insurance policy binder, eyebrows raised.Restaurants and BarsYour staff, your delivery drivers, your storage areas and your payment card systems.An owner operator leaning on his truck in the yard, looking down at his phone.TruckingYour operating authority, your liability minimums, your filings and the date your policy takes effect.A buyer outside a brick multi family building checking numbers on her phone, a folder under her arm.Rental Property and Real EstateYour building, your flood risk and what your lender requires.A property owner at a kitchen table with a stack of folders, on the phone, leaning back with relief.Group Homes and Sober LivingYour residence, your residents and the fire code that applies.A landscaping crew owner at his truck door scrolling his phone, a trailer with mowers behind him.LandscapingYour crew, your trucks, your equipment and your own coverage as the owner.A plow contractor in his parked truck, phone to his ear, staring at a policy declarations page on the steering wheel.Snow and Ice ContractorsYour snow and ice work, your year round work, your trucks and your contracts.

All Industries

More Business Coverage

These are examples, not a complete list.

Certificates and Contract Requirements

Asked for a certificate of insurance or an additional insured? See what a contract can require and what a certificate does and does not prove.

Business Owners Policy

The typical coverages for a small business, combined into one package. Compare it with general liability on its own.

Umbrella and Excess Liability

For a loss that comes in above the limits of your other policies.

Professional Liability

For a customer who says your advice or your work cost them money.

Cyber Liability

For the liability that can follow when data your business holds is compromised.

Inland Marine and Equipment

For tools and equipment that travel from one job to the next.

Builders Risk

For a building under construction or renovation, until the work is done.

Liquor Liability

For a business that serves alcohol.

Employment Practices Liability

Ask us whether this line fits your business.

Directors and Officers Liability

Ask us whether this line fits your business.

Garage and Specialty Liability

Tell us what your business does.

Don’t see yours here? Tell us what you need covered.

When an Insurer Says No

Declined by one insurer, or holding a letter that ends your policy? Start with the page that fits.

Hard to Place InsuranceNonrenewed or Cancelled Policies

Questions About Business Insurance

Do I need business insurance if I work from home?

A homeowners policy is not likely to cover business inventory or supplies kept at home, and not telling the insurer about a home business could lead to a cancelled policy. A rider can cover a small amount of business equipment and some liability.

What is the difference between general liability and a business owners policy?

General liability answers claims by others for injury or damage your business causes. A business owners policy combines the typical coverage options into one package built for most small business owners. Compare the two.

Does my personal auto policy cover the truck I use for work?

Generally not. A personal auto policy generally excludes business use, such as delivery work, so a vehicle your business drives belongs on a commercial auto policy.

Do I have to carry workers’ compensation?

If you have employees, almost certainly. It is mandatory for most employers in nearly every state, and it typically pays an injured employee’s medical expenses and part of their lost wages.

State Facts

In Connecticut

  • With few exceptions, every employer is required to carry workers’ compensation.
  • Anyone pulling a building permit must first show proof of workers’ compensation for employees working on the site, and a certificate of liability insurance does not satisfy it.
  • Home improvement contractors must carry at least $20,000 of liability coverage to register.

Insurance in Connecticut

Start With Your Date.

Tell us when your policy ends or your contract starts, and what you need covered.

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A small shop owner at his wooden counter on the phone, filling in a form on a clipboard.