Insurance Resources and Articles
Your questions about coverage, requirements and renewals, each answered with a link to the coverage that applies.
Business Insurance
General Liability and the Business Owner’s Policy: Which Does Your Small Business Need?Your answer depends on what you own, who works for you and what your contracts require. General liability insurance covers claims from other people, while a business owner’s policy packages the typical coverage options into one bundle. In ConnecticutWorkers’ Compensation in Connecticut: Who Must Carry ItDo you have employees? With few exceptions, every employer in the state must carry workers’ compensation insurance. In ConnecticutConnecticut Contractor Insurance RequirementsYour registration is waiting on a liability policy. A home improvement contractor must carry at least $20,000 of general liability insurance to register.Trucking Insurance Requirements: Federal Minimums and FMCSA FilingsYour policy ends soon and your authority waits on a filing. If you haul non hazardous property for hire in interstate commerce, in vehicles of 10,001 pounds or more, you need at least $750,000 of public liability coverage. In ConnecticutConnecticut Sober Living Home RulesYou own or run a sober living home. A sober living home with six or fewer residents in a single family home is classified as an R-3 occupancy. In ConnecticutSurplus Lines Insurance in Connecticut: What It Is and How It WorksThe standard market said no. Surplus lines coverage is written by a non admitted carrier and placed through a licensed surplus lines broker.
Personal Insurance
In ConnecticutConnecticut Renewal Increase Rule: Your Right to an ExplanationYour renewal went up and the notice does not say why. Starting January 1, 2027, a renewal bill with a premium increase must state that the insurer will explain the increase on request. In ConnecticutAerial Imagery and Homeowners Insurance Nonrenewals in ConnecticutA roof photo is named in your nonrenewal letter. Cosmetic roof conditions alone should not be a reason for nonrenewal. In ConnecticutConnecticut Auto Insurance RequirementsYour policy ends soon and you want the state minimum. The minimum liability limit for bodily injury is $25,000 per person and $50,000 per accident.Five Coverage Gaps to Review on Your Own PoliciesBefore your next renewal, check five places in your own policies. The gaps are a home limit below rebuild cost, state minimum auto limits, no umbrella policy, low limits on valuables and an unreported home business. In ConnecticutFlooded Basement: Why Homeowners Insurance Does Not Cover ItWater is in your basement. A homeowners policy does not cover flood.What Umbrella Insurance Covers and What It ExcludesYou have heard of an umbrella policy and want to know what it does. It covers liability and defense costs above the limits of your primary policies.Bundling Home and Auto Insurance: What to CompareA bundle quote arrives and you want to know what you give up. The NAIC notes that insurers may offer lower prices for insuring a home and car with the same company. Compare the bundle against separate policies.
If you did not find your question here, send it to us with the date on your notice or policy.