Connecticut Insurance: All Your Needs Met in One Place

Homeowners insurance in Connecticut covers a wide range of perils (e.g., fire, theft, vandalism, and severe weather) that could potentially damage your home, your belongings, or certain other structures on your property. A homeowners insurance policy typically categorizes coverage and coverage limits as follows:

• Dwelling coverage: Covers your house and attached structures. It also covers items like plumbing, heating, and permanently installed air conditioning systems, and electrical wiring.
• Other structures coverage: Protects other structures on the property such as detached garages, tool sheds, retaining walls, and so on. 
• Personal property coverage: Protects the contents of your home and other personal belongings owned by you or family members who live with you. 
• Loss of use coverage: Helps you with additional living expenses if your home is damaged by a covered peril (e.g., a fire) and you cannot live in your home while repairs are being made. It typically covers expenses like housing, meals, storage, and more, as long as they are in line with your usual living expenses. 
• Personal liability coverage: Provides coverage if you or a resident of your household is responsible for causing property damage or an injury to someone else. 

A local independent insurance agent can help you find homeowners insurance in Connecticut.

Drivers in Connecticut are required by law to have a minimum amount of car insurance that covers personal injury liability and property damage liability. This protects other people and their property if you’re at fault in an accident. 

Car insurance in Connecticut must contain the following minimum liability coverage:

• $25,000 per person for bodily injury liability
• $50,000 per accident for bodily injury liability
• $25,000 per accident for property damage liability

Car insurance in Connecticut must also include uninsured/underinsured motorist coverage with limits that are equal to your bodily injury liability limits. Uninsured/underinsured motorist coverage covers bodily injury to you, your relatives who live with you, and your passengers if they are injured in an accident caused by an uninsured motorist, a motorist with insufficient liability insurance, or a hit-and-run driver. 

You can also purchase other optional types of coverage in your car insurance policy in Connecticut. You may select coverages such as medical payments/personal injury protection, collision insurance, comprehensive insurance, full glass coverage, and more. 

Contact an independent auto insurance agent in Connecticut for the coverage you need.

A comprehensive business insurance program in Connecticut will typically include the following types of coverage:

• Business property insurance
• Business interruption (loss of use) insurance
• General liability insurance 

These policies can be purchased individually or as part of a specialized package policy designed for your industry. 

Most businesses will need additional coverage for complete protection. Depending on the size of your business and the type of work that you do, you might need: 

• Workers’ compensation insurance
• Commercial vehicle insurance
• Commercial umbrella insurance
• Various forms of additional property or liability protection

If you operate a small business in Connecticut, you may qualify for a business owners policy (BOP), which combines property coverage, business interruption coverage, and liability coverage into one affordable package policy designed for the needs of small business owners. 

Whether you purchase your policies individually or as a package designed for your industry, your business insurance will protect you when your property is damaged or if your business is responsible for harming someone or damaging someone else’s property. 

Contact an independent insurance agent in Connecticut for the coverage you need. 

​Workers’ compensation insurance in Connecticut entitles employees to receive medical treatment for work-related injuries or illnesses. no matter who is at fault. In return, employers are protected from being sued by employees over their on-the-job injuries. 

Businesses with one or more employees are generally required carry workers' compensation insurance in Connecticut. Exceptions include employers of household employees who work no more than 26 hours per week. And members of LLCs, corporate officers, partners in partnerships, and sole proprietors are not required to be covered by workers' compensation insurance.

Workers’ compensation insurance in Connecticut covers medical expenses and lost wages for an injured worker. Additional benefits may be available as well, including: 

• Temporary total disability 
• Temporary partial disability 
• Permanent partial disability 
• Disfigurement or scarring  
• Certain cost of living benefits
• Job retraining (vocational rehabilitation)
• Relapse or recurrence 

Contact a local independent insurance agent to help you find workers’ compensation insurance in Connecticut.

Restaurant insurance in Connecticut typically consists of a group of business insurance policies that respond to unexpected events that can cause a financial loss. You need restaurant insurance to protect your business from things like fires, severe weather, theft, and accidents or injuries that occur on your property. 

Most restaurants in Connecticut need a customized package of property, liability, automobile, crime, and other business insurance policies that protect them from a variety of risks. It’s a good idea to work with an independent insurance agent in Connecticut and an insurance company who specialize in restaurant insurance. 

Commercial vehicle insurance in Connecticut covers cars, trucks, and any other vehicles used in business operations. Similar to personal auto insurance, commercial auto insurance provides liability, collision, comprehensive, personal injury, uninsured and underinsured motorist coverage, and more for the business owner. 

For most small businesses with sedans, vans, or small trucks, commercial vehicle insurance in Connecticut has the same minimum coverage requirements as personal car insurance. Commercial vehicle owners in Connecticut must purchase the following minimum commercial auto liability coverage:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $25,000 property damage liability per accident
• $25,000 uninsured/underinsured motorist coverage per person.
• $50,000 uninsured/underinsured motorist coverage per accident

There are additional minimum liability insurance requirements for larger passenger or freight vehicles, as follows:

• Freight vehicles of 10,001 pounds or more that carry non-hazardous materials:  $750,000
• Freight vehicles of 10,001 pounds or more that carry hazardous materials: $1,000,000 or $5,000,000 (higher liability required for certain types of hazardous material)
• Any vehicle with a seating capacity of more than 8 passengers: $1,500,000
• Any vehicle with a seating capacity of 16 passengers or more: $5,000,000

Contact an independent insurance agent in Connecticut to learn more about your commercial vehicle insurance options. 

Umbrella insurance in Connecticut offers excess liability coverage that kicks in when the limits of an underlying policy—including home insurance, renters insurance, condominium insurance, boat insurance, or car insurance—have been exhausted. 

Umbrella insurance typically covers the following types of claims for any person that is covered under the primary insurance:

• Personal injury
• Advertising injury
• Property damage liability
• Slander
• Libel
• Defamation of character
• False arrest, detention, or imprisonment
• Malicious prosecution
• Mental anguish

Your umbrella policy in Connecticut may offer coverage for certain losses that are not covered by the underlying policies, including covering you worldwide.

Renters occupy nearly 34% of homes in Connecticut. When you rent your home, you’re as susceptible to property damage as those who own their homes.

Renters insurance is a type of personal insurance policy. It protects your personal belongings against damage or loss from things like fire or theft. It also protects you if someone is injured as a result of your negligence. 

Renters insurance in Connecticut covers your personal property for losses related to the following:

• Fire 
• Smoke
• Lightning
• Vandalism 
• Theft (including personal items stolen from your car, but not the car itself)
• Explosion
• Windstorm and water damage (but not floods) 

Renters insurance also provides liability coverage. This coverage protects your assets when you, a family member, or a pet injures someone or damages someone else’s property while at your home or somewhere else. 

Talk to a local independent insurance agent to find renters insurance in Connecticut.

Life insurance in Connecticut is a vital part of your long-term financial plan. 

The proceeds from a life insurance policy make cash available to support your family almost immediately upon your death. In addition, life insurance proceeds can be used to pay your debts, final expenses, and estate taxes. And it can even be a source of inheritance for your heirs. 

There are two major types of life insurance policies available in Connecticut: term life insurance and permanent life insurance. Each offers benefits for different periods of time. 

Contact an independent insurance agent to learn more about life insurance in Colorado.

Searching for the best and most affordable insurance products can be frustrating and confusing. That’s why it pays to have an experienced insurance professional in your corner.

Instead of getting an online quote, find an independent insurance agent in Connecticut now, and get one-on-one consultation and affordable options for the best coverage for your unique needs. Your agent will work with you free of charge, offering you a variety of options so you can make the best choice.  

What’s more, your agent will be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.

Contact an agent today for a free, no-obligation consultation.