Business Insurance

Connecticut legally requires any large or small business owner that owns at least one vehicle to carry commercial auto insurance. The state-mandated minimums are liability coverage for property damage and bodily injury, and coverage for uninsured motorists. You can also expand your policy to include coverage for collisions and workers performing business duties in their personal cars. Commercial auto coverage provides the unique protection your business needs.

If your company has ever suffered an incident covered by an insurance policy, you are likely familiar with the time-consuming claims process. You have to report the event, document the losses, gather fault evidence, and work with adjusters. Our claims management service can lead your business through the claim process as well as negotiate disputes and provide audit support.

Malicious hacking tactics continue to evolve at the same rate as cybersecurity measures, and even small business owners are at risk for a data breach. If any of your business operations or transactions take place digitally over the internet or use cloud storage, you could be vulnerable to external and internal cybersecurity threats. Cyber liability is critical to combat this.

Corporate officers, directors, and chief executives could face a risk of lawsuits that target their personal finances and properties in addition to the company’s assets if an exposure incident stems from negligence or upper-level mismanagement. Damages sought can add up to millions of dollars, and umbrella policies often do not protect your business’s from liability in corporate wrongdoings. D&O liability coverage protects your most valuable.

General liability insurance exists to cover incidents that fall under your duty of care in the state of Connecticut. These costs could be for repairs for damage caused by one of your workers, medical expenses for a nonemployee’s injury, legal defense representation, or settlement payments.

Also known as “errors and omissions” insurance, professional liability insurance is for claims that hold your business financially responsible for a mistake or misjudgment in a professional capacity. Sectors that face a higher risk are often consultatory or advisory services providers, such as architects, engineers, and lawyers can benefit from professional liability coverage.

Rental property owners have multi-faceted risk exposures and property value considerations. Rental real estate owners need protection from disaster damage, liability claims from tenants, and revenue loss due to repairs or vacancies.

Connecticut law states that any company with employees must carry workers’ compensation insurance. Not only does a workers’ compensation policy cover illnesses and injuries sustained in job-related accidents, but it also prevents employees that file claims from simultaneously bringing forth a personal injury lawsuit against you or your small business.

Small and large businesses are increasingly turning to professionals to help them navigate the Affordable Healthcare Act (ACA) and what it means for them as an employer and for their employees. We’re here to help you.

Despite your company’s best intentions, an oversight, a miswritten workplace policy, or a disgruntled former employee is all it takes for you to find your small business defending a lawsuit. An employment practices liability insurance policy can help with legal action expenses due to alleged claims brought forth by employees, such as discrimination, wrongful termination, or sexual harassment.