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Connecticut Small Business Insurance Policy Information

Connecticut Small Business Insurance. If you own a CT small business, this article will help you understand some the of most common policies available. Commercial insurance helps protect your business and potentially your personal assets from lawsuits and settlements that can reach into the millions.

Having high enough limits in your commercial liability coverage should be a cornerstone of any business plan in the Grand Canyon State State. Carrying adequate Connecticut small business insurance to protect your business shouldn't be a question - it's a must if you want to make sure that you don't get put in a position where you have to lose your business or pay money out of pocket to cover expenses associated with a loss.

Learn about Connecticut small business insurance requirements, costs and coverages including: Commercial General Liability, Commercial Property Insurance, CT Workers Compensation, Business Owner's Policy (BOP), Errors & Omissions (professional liability), CT Commercial Auto Insurance and more.

You can skip to the following types of Connecticut small business commercial insurance using these links:

• Why Do Businesses In Connecticut Need Insurance?
• Is Business Insurance Required In Connecticut?
• How Much Does Small Business Insurance Cost In Connecticut?
• How Do I Contact The Connecticut Insurance Commissioner?

• Business Auto
• Business Owners Policy
• Commercial Crime
• Commercial General Liability
• Commercial Property
• Commercial Umbrella
• Cyber Liability
• Directors And Officers Liability
• Employment Practices Liability Insurance
• Equipment Breakdown
• Professional Liability (E&O)
• Workers Compensation

Is Business Insurance Required In Connecticut?

Connecticut only requires one type of commercial insurance policy - and only under specific circumstances:

• Workers Compensation: Connecticut requires you to have worker's compensation insurance if you hire even one employee on a regular basis. This includes part-time employees, family members, minors, and immigrant employees. It is not required for independent contractors or domestic employees who work fewer than 26 hours per week, though you should check to make sure any contractors you have are true contractors, and not employees.

Any other policies and coverages are optional for the business to purchase. There is not one small business insurance policy that covers every risk. There are different commercial insurance policies that cover various accidents, damages and lawsuits that could financially devastate a small business without the right protection. Some of the most common risks businesses face are covered in these policies.

Connecticut Small Business Insurance Policies

Connecticut small business insurance needs, costs and coverages are different for each industry and CT region. While not an exhaustive list, to properly protect your business against lawsuits - consider these additional policies that fall under commercial property and/or casualty insurance:

Anyone who operates a vehicle for commercial purposes in Connecticut is required to have commercial auto insurance. This includes businesses that use vehicles for deliveries, transportation of goods or services, or for the transportation of employees.

Examples of businesses that may need commercial auto insurance include delivery companies, taxi or ride-sharing services, construction companies, and landscaping businesses.

Additionally, individuals who use their personal vehicle for business purposes may also need commercial auto insurance. For example, if you are a real estate agent who uses your car to show properties or a freelance photographer who uses your car to transport equipment, you may need commercial auto insurance to ensure that you are covered in the event of an accident.

The person injured in an auto accident may be a young child, a wage earner, a surgeon, or a homeless person. The costs of the accident may be relatively small or run into the millions of dollars, depending on the victim and his or her injuries. Connecticut commercial auto insurance helps protect your business if you hurt a person or damage their property.

What Is Covered - Connecticut business auto insurance protects your assets in several ways:

• Covered auto liability coverage insures your legal obligations that arise from an accident, including lawsuits and their associated costs. The limits you purchase should be high enough to handle the potentially serious injuries and loss of earnings a victim may sustain.
• Uninsured and underinsured motorists coverages protect you when you are involved in an accident caused by a driver who has no insurance or insurance with relatively low limits. The limits you select for this coverage should be the same as your liability limits.
• Physical damage coverage on vehicles directly protects your assets. Comprehensive, Specific Causes of Loss and Collision are the coverage options available. Deductibles should be as high as you can comfortably absorb to maximize the protection provided relative to the premium cost.
• Medical payments coverage and towing expense costs for private passenger vehicles are other optional coverages to consider

To summarize, commercial auto is coverage for vehicles and their drivers owned by the business and/or used for business purposes, and covers these common claims:

• Liability
• Physical damage
• Medical payments
• Uninsured motorists

Connecticut small business insurance offers coverage for business property and casualty exposures. Wouldn't it be great if you could get most or all of them in just one policy? If you qualify, the Business Owners Policy (BOP) may be exactly what you're looking for. This single package covers your buildings and business personal property, as well as liability imposed on you because of your premises, operations and products. In addition, it has numerous coverage extensions and optional coverages available.

Much like a general liability policy, the liability coverage offered by a BOP:

• Insures bodily injury and property damage liability and the legal obligations that arise from an occurrence. It also covers lawsuits and their associated costs. The limits of insurance selected should be high enough to handle serious claims. This coverage is subject to a number of exclusions.
• It also covers personal and advertising injury liability and related legal obligations arising from an offense as well as lawsuits and their related costs. The limits of insurance selected should be high enough to handle serious injuries and the injured party's loss of earnings. This coverage is also subject to a number of exclusions.
• Medical expenses coverage applies to medical expenses of individuals injured on your premises or due to your operations, without regard to fault.

Buildings can be more than just a single building. The structure listed and described that has a limit of insurance on the declarations is covered, along with the following:

• Additions under construction if not covered elsewhere
• Completed additions
• Indoor and outdoor fixtures
• Permanently installed machinery and equipment
• Personal property you own as a landlord in furnished apartments
• Personal property you own used to service or maintain the building or premises

Business personal property (BPP) is more than just the contents of a building. The following business personal property is covered when a limit of insurance appears on the declarations and when it is in the described building and within 100 feet of the premises or building while in the open or in or on a vehicle:

• Exterior building glass you must cover if you are a tenant
• Leased personal property you are contractually responsible to insure
• Personal property you own and use in the business
• Property of others in your care, custody, or control
• The use interest in any improvements and betterments you made or acquired if you are a tenant

To summarize, a Business Owners Policy (BOP) packages general liability and commercial property into one policy, and covers these common claims:

• Damaged Business property
• Customer injuries
• Business interruption

You don't have any control over the ultimate cost of injuries to a person injured because of your operations, products, or services. The person injured may be a toddler, a contractor, an accountant, or a homemaker. The cost of the injuries may be comparatively minor or run into the millions of dollars, depending on the person and the extent of his or her injuries. This is why you need the right amount of Connecticut small business insurance.

Commercial general liability insures the bodily injury liability, property damage, and personal and advertising injury liability exposures of a variety of commercial businesses, enterprises, and ventures.

What Is Covered - Connecticut general liability insurance protects your assets in several ways:

• Liability coverage for bodily injury and property damage insures your legal obligations that arise from an accident. It also includes the costs related to lawsuits and other legal proceedings. The limits of insurance should be sufficient to handle serious injuries and the injured person's loss of earnings.
• Liability coverage for damages due to personal and advertising injury insures your legal obligations that arise from an offense. It also includes the costs related to lawsuits and other legal proceedings. The limits of insurance should be sufficient to handle serious injuries and the injured person's loss of earnings.
• Medical Payments coverage pays the cost of medical care to persons injured on your premises or due to your operations, regardless of fault.

Each of these Connecticut small business insurance coverages is subject to certain policy exclusions, conditions, and definitions. Following a few examples of how a CGL policy can cover third-party bodily injuries, third-party property damage, and advertising injuries;

• A visitor slips and falls on a wet floor in your restaurant.
• A tree trimmer accidentally drops a tree on a customers home.
• A competitor sues your business over an ad that was published that disparages them, damaging its reputation.

To summarize, general liability is typically required for most commercial leases, and covers these common claims:

• Damaged customer property
• Libel or slander lawsuits
• Slip-and-fall accidents

The primary goal of any Connecticut small business insurance program is to protect the insured's real and business personal property. Tangible property usually represents a significant portion of its total assets, regardless of the size of the business.

Protecting your real and personal property is an important element of your insurance program. No matter the size of your business, a large percentage of your assets and resources are tied directly to your property. A commercial property program can provide the coverage you need if a loss should occur.

When there is a limit of insurance for building on the declarations, the building or structure listed and described is covered property. The following is also considered covered building property:

• Additions under construction, alterations, and repairs that other insurance does not cover. The materials, equipment, supplies, and temporary structures that are on or within 100 feet of the premises and used to make the additions, alterations, or repairs are also building.
• Completed additions
• Fixtures. This includes outdoor fixtures.
• Permanently installed machinery and equipment
• Personal property the insured owns and uses to service or maintain the building or premises

When there is a limit of insurance for personal property on the declarations, coverage applies to the following property if it is inside the building or structure at the designated premises. It is also covered if it is outside the building or structure but within 100 feet of the building or premises. Such personal property outside can be either in the open or in or on a vehicle.

• All other personal property the insured owns and uses for business
• Furniture and fixtures
• Labor, materials, or services the insured furnishes or arranges on personal property of others
• Leased personal property the insured has a contractual responsibility to insure
• Machinery and equipment
• Stock
• The insured's interest in any improvements and betterments it made or acquired if the insured is a tenant

Personal property of others is covered when there is a limit of insurance on the declarations but only when:

• It is in the insured's care, custody, or control.
• It is either inside the building or structure at the listed and described premises or outside within100 feet of the building or premises in either the open or in or on a vehicle.
• The insurance company pays for loss or damage to personal property of others for only the account of that property's owner.

To summarize, commercial property insurance covers these common claim types:

• Fire
• Theft or vandalism
• Water damage (non-flood)
• Wind damage

Workers' compensation insurance provides certain benefits to employees injured during the course of their employment. The Industrial Commission of Connecticut makes determinations about eligibility for workers' compensation benefits.

Under Connecticut law, it is mandatory for employers to secure workers’ compensation insurance for their employees. Workers’ compensation is a "no fault" system in which an injured employee is entitled to receive benefits for an industrial injury, no matter who caused the job-related accident. If an illness or injury is job-related, then the injured worker (also known as a claimant or applicant) receives medical benefits and may receive temporary compensation, if eligibility requirements are met. In some cases, a claimant may also receive permanent compensation benefits, "job retraining," and supportive medical care.

There are times when the employed worker's injury is not compensable under workers compensation or occupational disease laws. In those cases, Employers Liability coverage responds to the injured worker's allegations of negligence on the employer's part, subject to its terms, conditions, limitations, and exclusions. The coverage the basic policy provides may be broadened, restricted, clarified, or made to comply with specific state regulatory requirements by using a variety of available endorsements.

To summarize, workers compensation is required if businesses has any employees, even one part-time (in most states), and covers these common claims:

• Employee medical expenses
• Lost wages
• Legal costs and fees

Professional liability insurance, also known as errors and omissions (E&O), is a type of liability coverage that protects your company against claims that a professional service you provided caused your client to suffer financial harm due to mistakes you made (errors) or because you didn't perform some service (omissions).

Professional liability can cover the legal costs of defending your company in a civil lawsuit and some damages if awarded, even if you haven't made a mistake. Eamp;O coverage is not included in a general liability insurance policy.

If your business:

• Provides a professional service
• Gives advice to clients
• Is contractually required to carry

you should probably purchase an errors and omissions policy. Common claims that E&O covers are negligence, misrepresentation, violation of good faith and inaccurate advice.

In the medical and legal professions, professional liability is called malpractice insurance.

To summarize, professional liability insurance helps protect professionals against liability incurred as a result of errors and omissions in performing their professional services, and covers these common claim types:

• Business disputes
• Professional negligence lawsuits
• Work errors, mistakes & oversights

Accidents are unpredictable. Some accidents are very small. Others trigger catastrophic events in the lives of the injured parties. Are your policy limits sufficient to protect you if a person you injure must have multiple lifesaving surgeries or requires around the clock care for the rest of her life? If not, your business capital could be required to make up the difference.

Commercial liability umbrella is a stand-alone coverage that contains its own coverage, exclusions, and conditions. It provides excess limits over General Liability, Automobile Liability, Employers Liability, and other underlying liability coverage forms or policies. In addition, and because it is a stand-alone coverage form, it may include coverage that underlying coverage forms or policies do not include or provide.

To summarize, commercial umbrella is excess liability coverage that 'extends' the limits of a general liability and/or other liability policies, and offers:

• Additional general liability limits
• Additional workers comp limits
• Additional commercial auto liability limits

The law in CT requires businesses to notify any Connecticut residents when an unauthorized person accesses unencrypted personal information. Cyber liability insurance helps your business deal with the costs of data breach and recovery by helping to pay for:

1. Security Breach Expense - Loss that is the direct result of a security breach.
2. Extortion Threats - Loss that is the direct result of an extortion threat.
3. Replacement or Restoration of Electronic Data - Loss to stored computer programs or electronic data within a computer system.
4. Business Income and Extra Expense - Loss that is the result of an interruption is covered when it is a direct result of a cyber incident or extortion threat.
5. Public Relations Expense - Loss that is the result of negative publicity is covered when it is a direct result of a cyber incident or security breach.
6. Security Breach Liability - Loss that is the result of a claim which is discovered during the policy period is covered if the insured is legally obligated to pay it and was due to a wrongful act that takes places before the end of the policy period.

To summarize, cyber liability helps cover a business' liability for a data breach in which their customers' personal information is exposed or stolen by a hacker or criminal, and covers these common claims:

• Breach notification expenses
• Data breach lawsuits
• Fraud monitoring costs

Corporate directors and officers (D&O) have a duty to manage the company in their stockholders' best interests. They are bound to use due care and to be diligent in respect of the management and administration of the corporation's affairs and in the use of its property and assets. Accordingly, they are liable for losses or injuries that are caused by their breach or neglect of duty.

Recognizing the need to have competent directors and officers on executive boards, many corporations have put in their by-laws or charters certain resolutions undertaking to indemnify their directors and officers for legal expenses incurred by them in defending suits based on alleged wrongful acts in their capacities as directors and officers. Such indemnification provisions are permitted by most states' laws. Protection varies from state to state. In general, state statutes do not protect directors from claims brought by governmental agencies, or claims alleging violations of securities and exchange laws or other federal laws.

To summarize, directors and officers is a type of liability insurance that covers individuals for claims made against them while serving on a board of directors and/or as an officer, and covers these common claims:

• Side A - Protects a corporation's directors and officers when the company cannot indemnify the individuals.
• Side B - Reimburses the organization when it indemnifies the individuals, thus protecting the company's balance sheet.
• Side C- Also known as "entity coverage," this eliminates disputes of coverage allocation when both the directors and officers and the insured organization are named as co-defendants in a securities lawsuit.

Commercial property coverage forms specifically exclude most types of equipment breakdowns while the Equipment Breakdown Protection Coverage Form Insures only equipment breakdown - which covers loss or damage to your covered property that results when covered equipment breaks down.

This coverage includes inspection service as a part of the basic coverage because you can eliminate most equipment breakdowns with proper maintenance. These inspections also satisfy any obligation you have to conduct required governmental or statutory inspections.

Four types of equipment you may own or operate can be covered:

• Mechanical and Electrical Equipment
• Production Machinery
• Pressure or Vacuum Equipment
• Diagnostic Equipment

This Connecticut small business insurance coverage also applies to your computer equipment, communications equipment, and equipment that generates, transmits, or uses energy.

To summarize, equipment breakdown is coverage for losses due to mechanical or electrical breakdown of nearly any type of equipment, and covers these common claims:

• Lost income
• Expenses incurred during the restoration period
• Spoiled inventory
• The cost to repair or replace damaged equipment, including labor.

The current level of workplace morale, the state of the economy, and legislation such as the Americans with Disabilities Act and the Family Medical Leave Act have all led to a marked increase in employment-related practices claims and lawsuits. Because these legislative and other legal changes have provided significant incentives for employees to file employment-related claims, employers such as you should be more aware of your susceptibility to such actions.

Employment-Related Practices Liability Coverage provides broad insurance protection from employment-related practices claims and lawsuits that are brought against your company, managers and directors and officers. It covers such things as age and gender discrimination, sexual harassment, wrongful discipline and termination and negligent decisions involving hiring, promotion, and compensation. It also applies to breach of employment contract, employment-related emotional distress, and mental anguish, invasion of privacy, libel, and slander.

Claims can come from both current and former employees and even from job applicants you didn't hire! The procedures that you use or don't use in hiring, firing and managing your employees can translate into huge defense costs and legal awards to plaintiffs for your errors or oversights even if they were unintentional.

Allegations are made by employees who claim to have suffered various types of financial loss or emotional injury because of their employers' acts (or failure to act). The list of allegations involves wrongful termination, demoting an employee without justification, failure to hire or promote a worthy employee, unwarranted discipline or abuse (particularly sexual harassment).

Many of these offenses are said to be the result of illegal discrimination on the basis of age, gender, religion, race, nationality, or sexual orientation. Other offenses are claimed to be a violation of the individual's civil rights, or the failure to accommodate a mental or physical limitation or disability.

Sexual harassment by the employer's management or supervisory staff, or by fellow employees, has grown to include allegations of same-sex harassment. In addition to injuries involving sexual abuse, physical, mental or emotional abuses are also being claimed with more frequency.

To summarize, Employment practices liability is coverage for claims made by workers that their legal rights as employees of the company have been violated, and covers these common claims:

• Sexual harassment
• Discrimination
• Wrongful termination
• Breach of employment contract, negligent evaluation, failure to employ or promote, wrongful discipline, deprivation of career opportunity, wrongful infliction of emotional distress, mismanagement of employee benefit plans and others.

Most theft losses are comparatively small, fall under the deductible, are excluded, or are uninsured. However, larger ones can put a company out of business as quickly as an uninsured fire. Connecticut small business insurance - specifically business personal property coverage forms and policies written on an All Risks or Special Causes of Loss basis usually cover theft of property and merchandise by outside parties.

However, they usually exclude losses due to employee dishonesty, theft of money and securities, computer fraud, safe burglary, extortion, and related criminal acts. This is why every CT business needs a sound program of crime coverages for employee theft and other types of criminal and fraudulent activities.

Types Of Coverage - The ISO Commercial Crime Coverage Form offer seven types of protection:

• Computer and Funds Transfer Fraud pays for loss or damage to money, securities, and other property fraudulently transferred using a computer from your premises or a financial institution's premises to an unauthorized person or premises. It also covers loss of funds as a direct result of fraudulent instruction to a financial institution telling it to transfer, pay, or deliver funds from your transfer account.
• Employee Theft covers loss or damage to money, securities, and other property that one or more of your employees causes.
• Forgery or Alteration covers loss caused when someone other than an employee forges or alters a negotiable instrument such as a check.
• Inside the Premises–Robbery or Safe Burglary of Other Property pays for loss or damage to property other than money and securities inside the premises. However, this is subject to the conditions that either you or an employee must be robbed or the safe burglarized.
• Inside the Premises–Theft of Money and Securities pays for theft, disappearance, and destruction of money and securities from inside your premises or a financial institution premises. However, it does not cover theft of merchandise or stock.
• Money Orders and Counterfeit Money pays for loss as a direct result of you or your employees accepting fraudulent money orders or counterfeit money in good faith and in exchange for merchandise, money, or services.
• Outside the Premises pays for loss of money or securities outside the premises, in the care of a messenger or armored car service, or as a direct result of theft, disappearance, or destruction. It also pays for loss or damage to property other than money and securities as a direct result of robbery outside the premises that is in the care of a messenger or armored car service.

To summarize, commercial crime insurance is coverage for any dishonest acts of your employees including damage to your property, fraud or theft of a customer's property, and covers these common claims:

• Employee dishonesty
• Forgery or alteration
• Money and securities
• Theft of client's property

CT Small Business Insurance By Industry And/Or Type

Select the Connecticut general industry or small business insurance type link below to find more detailed information on coverage, costs, exclusions and more:

• Advertising, Marketing and Media
• Agribusiness
• Arts and Recreation
• Auto Sales, Service And Repair
• Aviation
• Bonds
• Children And Pets
• Commercial Property
• Construction Contractors
• Contractors And Home Improvement
• Education, Colleges, Universities And Schools
• Financial Institutions
• Food And Drink
• Health And Beauty
• Information Technology And Internet
• Lodging Places
• Local, State And Federal Government
• Manufacturing
• Marine, Boat And Watercraft
• Medical And Dental
• Miscellaneous
• Non-Profit
• Professional Services
• Real Estate
• Retail
• Small Business Commercial Auto
• Small Business Insurance
• Sports And Fitness
• Warehouse And Storage
• Wholesale And Distribution
• Connecticut Specific Commercial Insurance Articles

Learn about Connecticut media liability insurance - a specialized form of professional liability insurance that provides protection for legal claims brought by third parties.

• Advertising Agency
• Book Publishers
• Call Center
• Direct Mailing Services
• Graphic Arts
• Graphic Designers
• Magazine Publishers
• Market Research Firm
• Marketing Consultant
• Podcast
• Printers & Publishers
• Public Relations
• Radio Stations
• Search Engine Services SEO
• Social Media Consultant
• Television Stations

Learn about CT agribusiness insurance - a type of commercial insurance protects farmers against loss of, or damage to crops or livestock.

• Aquaculture Fish Farm
• Beekeepers
• Commercial Fishermen
• Crop
• Dairy Farm
• Equine And Horse Farm
• Farm And Ranch
• Farm Labor Contractors
• Livestock & Cattle
• Nursery And Greenhouse
• Nut Farm
• Orchards & Groves
• Poultry Farm
• Sheep & Goat Farm
• Swine, Hog & Pig Farm
• Tobacco Farm

Read up on Connecticut arts and recreation commercial insurance.

• Amusement Parks
• Archery Range
• Artist
• Athletic Fields
• Ballparks
• Ballrooms
• Billiard And Pool Halls
• Carnivals
• Bowling Alleys
• Cave Tours
• Dance Studio
• Disc Jockey DJ
• Drive-In Theaters
• Entertainers And Performers
• Event Planning
• Fairs & Fairgrounds
• Film Production
• Guides & Outfitters
• Handball & Racquetball Courts
• Horse & Dog Racetracks
• Indoor Sports Complexes
• Interior Decorator
• Interior Design
• Motorsports Racetracks
• Musicians
• Photo Booth
• Photographer
• Recording Studio
• Recreation Centers
• Riding Stables
• Roller Skating Rinks
• Shooting Ranges
• Skateparks
• Skeet & Trap Shooting Ranges
• Ski Resorts
• Stadiums
• Talent Agency
• Tennis Centers
• Theaters
• Video Arcades
• Wedding And Special Event

Read about Connecticut auto sales, service & repair insurance, which provides protection for damages done to customers vehicle's and other property as well as injuries resulting from the work done.

• Auto Dealers
• Auto Detailing & Mobile Car Wash
• Auto Dismantlers
• Auto Garage
• Auto Glass Repair Shops
• Auto Paint Shops
• Auto Service Repair
• Auto Supply Parts Store
• Car Rental
• Car Wash
• Gas Station
• Motorcycle Dealers
• Parking Lot
• RV Dealers
• Snowmobile Dealers
• Tire Store
• Truck Rental
• Used Car Dealer

Learn about CT aircraft and aviation liability insurance - a specialized form insurance that provides coverage for hull losses as well as liability for passenger injuries, environmental damage and third-party damage caused by aircraft accidents.

• Aerial Applicators
• Airports
• Flight Schools
• Helicopter
• Hot Air Balloon
• Unmanned Aerial Vehicles (UAV) Drone

Learn about surety and fidelity bonds which are types of insurance that are used to protect against damage or loss in commercial transactions.

• Fidelity Bonds
• Surety Bonds

Discover what Connecticut commercial insurance policies cover for children and pet related businesses.

• Day Care
• Dog Walking
• Kennels
• Pet Groomer
• Pet Sitting
• Preschools

Read up on Connecticut commercial property insurance, including how business property insurance protects your company's building's and/or their contents from damage, destruction, theft and vandalism.

• Apartment Building
• Business Interruption
• Commercial Flood
• Commercial Property
• Condo Association
• Duplex Rental Property
• Dwelling
• Equipment Breakdown Protection
• Homeowners Association
• Inland Marine
• Manufacturing And Mercantile Rental Property
• Mobile Home Park
• Non-Residential Building Operators
• Office Buildings
• Property
• Shopping Center & Strip Mall
• Vacant Land
• Vacant Property

Learn about Connecticut construction contractors insurance, including how much the premium costs and what is covered - and how commercial insurance can help protect your CT construction business from lawsuits.

• Blasting & Drilling Contractors
• Bridge Contractors
• Building Contractors
• Cable Layers
• Concrete Contractors
• Construction Contractors
• Demolition Contractors
• Excavation Contractor
• Foundation Layers
• Framing Contractor
• General Contractors
• Masonry Contractor
• Mechanical Contractors
• Millwright Contractors
• Paving Contractors
• Road Contractors
• Roofing Contractor
• Sewer Contractors
• Steel Erection Contractors

Learn about Connecticut contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your CT business from lawsuits.

• Air Conditioning Systems Installation Repair
• Appliance Repair And Service
• Blacksmith & Metal Workers
• Boiler Contractors
• Builders Risk
• Building Cleaning & Maintenance Services
• Cabinet Installers
• Cable And Satellite TV Installer
• Carpenters
• Chimney Sweep
• Cistern Contractors
• Contractor Liability
• Curtain Cleaners
• Deck Builders
• Door And Window Installers
• Dryer Vent Cleaning
• Drywall Contractor
• Electrical Contractors
• Environmental Remediation Contractors
• Fence Installation
• Fire Sprinkler Contractors
• Fire & Water Restoration Contractors
• Flooring Contractor
• Furniture Repair
• Garage Door Installer And Repair
• Glass Contractor
• Glazier
• Gutter Installation And Repair
• Handyman
• House Cleaning
• HVAC Contractor
• Insulation Contractor
• Janitorial Cleaning Services
• Landscaping
• Lawn Care
• Lawn Irrigation Sprinkler System Installation
• Locksmith
• Oil And Gas Well Drilling Contractors
• Painters
• Paperhanging Contractors
• Plastering And Stucco Contractor
• Plumbing
• Pressure Washing Contractors
• Propane And Fuel Dealers
• Rug, Upholstery & Carpet Cleaning
• Sandblasting Contractors
• Security Alarm
• Septic Tank Cleaning
• Siding Contractor
• Sign Installation And Repair
• Solar Panel Installers
• Snow Plow
• Stone And Tile Installer
• Subcontractor
• Swimming Pool Contractor
• Swimming Pool Maintenance & Service
• Tool Grinding & Repair
• Tree Surgeon
• Tree Trimming
• Tank Cleaners
• Upholstery Shop
• Waste Haulers & Garbage Collection
• Water Well Drilling
• Welding Contractor
• Wildlife & Pest Control
• Window Cleaning

Learn about Connecticut commercial insurance for educators that helps protecting your professional reputation and other legal liabilities arising from your educational services.

• Art School
• Beauty School
• Charter School
• Chiropractic Schools
• Colleges, Universities & Professional Schools
• Driving Schools
• Educational Services
• Language School
• Microschools
• Music Schools
• Private Schools
• Real Estate School
• Tutoring

Discover the types of commercial insurance that banks, finance companies and other Connecticut financial institutions need to protect their asset management, deposit, lending, investment and other operations.

• Banks
• Check Cashing
• Credit Union
• Currency Exchanges
• Finance Companies
• Insurance Company
• Mortgage Broker

Learn about Connecticut restaurants, bars, liquor stores commercial insurance coverages. See how food service insurance help protect against accidents, oversights and lawsuits resulting from business operations.

• Bagel Shop
• Bakery
• Bar
• Beer Distributor
• Brewery
• Catering
• Coffee Shop
• Concession Stand
• Delicatessen
• Farmers Market
• Grocery Store
• Ice Cream Shop
• Internet Cafe
• Liquor Liability
• Liquor Store
• Nightclub
• Pizzeria
• Restaurant
• Sandwich Shop
• Supermarket
• Tavern
• Winery

Learn about Connecticut health and beauty insurance coverages that help protect tattoo artists, salons, spas, estheticians, cosmetologists, barbers, hairdressers, nail salons and more from legal liability.

• Acupuncture
• Barber Hair Dresser
• Beauty Salon
• Chiropractic
• Cosmetology
• Day Spa
• Diet Nutrition Services
• Esthetician
• Massage Therapy
• Medical Spa
• Nail Salon
• Permanent Cosmetics And Microblading
• Personal Trainer
• Tanning Salon
• Tattoo
• Weight Loss Center

Learn about Connecticut IT technology insurance policies that help protect IT businesses, consultants & subcontractors from the unique risks that small tech businesses face when they work.

• Application Development
• Computer Electronic Repair
• Computer Programming
• Computer System / Network Developer
• Cyber Liability
• Data Breach
• eCommerce
• Electronic Data Processing
• Internet Business
• Internet Service Providers
• IT Consultant
• Online Store
• Software Developer
• Technology Services
• Telecommunications Insurance
• Website Design

Find out what types of business insurance that Connecticut hotels, motels and other lodging places should have to protect their varied operations.

• Bed & Breakfast
• Boarding & Rooming Houses
• Fraternity Houses
• Hostels
• Hotel Motel
• Sorority Houses

Discover what types of commercial insurance government entities in Connecticut need.

• County Administration Offices
• Courthouse
• Fire Departments
• Government Buildings
• Jails
• Law Enforcement Entities
• Municipalities
• Public Buildings
• Townships

Learn all about Connecticut manufacturing insurance. Manufacturers face many unique risks such as product liability and/or product recall exposures due to the nature of their business operations.

• Adhesives
• Alarms
• Audio & Video Equipment
• Auto Parts
• Boxes
• Bricks
• Brooms & Brushes
• Buttons
• Cabinets
• Camping Equipment
• Canned Fruit & Vegetables
• Cans
• Canvas Products
• Caskets
• CBD Oil And Hemp
• Cement
• Ceramics
• Chemical
• Clock & Watch
• Clothing
• Commercial Air Conditioning
• Commercial Electronics
• Communications Equipment
• Computers
• Condoms
• Construction Equipment
• Cork Products
• Cosmetics
• Cutlery
• Down And Feather Products
• Dry Ice
• Dyes & Pigments
• Electronic Toys & Games
• Electroplating
• Elevators
• Engines
• Exercise Equipment
• Farm Equipment
• Feed & Grain
• Fences
• Fertilizer
• Fireworks
• Fur Garment
• Garage Door
• Gears
• Glass
• Glassware
• Gypsum Products
• Hosiery
• Ink
• Insecticides
• Iron & Steel Foundries
• Jewelry
• Lawn Mowers
• Leather Apparel
• Lighting & Wiring
• Lumber & Wood Products
• Machine Shop
• Major Electrical Appliances
• Manufacturing
• Marijuana Products
• Mattresses & Box Springs
• Metal & Plastic Furniture
• Metal Heat Treating
• Metal Toys
• Millwork
• Monuments
• Musical Instruments
• Nonferrous Foundries
• Ornamental Metalwork
• Paint
• Paper & Allied Products
• Pesticides
• Pet Food
• Pharmaceuticals
• Plastic & Rubber Toys
• Plastic Goods
• Plastics
• Plastics Molding, Forming & Extruding
• Pottery
• Product Liability
• Prosthetics
• Pulp & Paper Mills
• Refractory
• Residential Air Conditioning & Heating
• Rubber Goods
• Rugs
• Sawmills & Planing Mills
• Screw Machine Products
• Sheet Metal
• Soap & Detergent
• Shoes
• Small Electrical Appliances
• Sporting Goods
• Springs
• Stone Products
• Tanneries
• Textiles
• Textiles Finishing & Coating
• Tires
• Tobacco
• Tool & Die Shops
• Vending Machines
• Wire
• Wire Rope
• Wood Furniture
• Woodworking
• Writing Instruments
• Yarn

Discover what types of commercial insurance government entities in Connecticut need.

• Boat Dealers
• Boat Repair & Dry Docks
• Dock & Pier Contractors
• Dredging Contractors
• Marinas
• Ship Chandlers
• Boat & Watercraft Insurance

Discover Connecticut business insurance for medical and dental professionals. Medical malpractice insurance is a type of professional liability that protects health care professionals from liability causing in bodily injury, medical expenses and property damage.

• Ambulatory Surgical Center
• Art Therapy
• Assisted Living Facilities
• Audiology
• Blood Banks
• Dental Lab
• Dental Office
• Diagnostic Imaging Centers
• Health Maintenance Organizations
• Healthcare Facilities
• Home Medical Equipment Dealers
• Hospitals
• Hypnosis
• Malpractice
• Marriage & Family Therapy
• Medical Clinics
• Medical Laboratories
• Medical Marijuana Dispensary
• Medical Practice
• Medical, Surgical & Hospital Supply Store
• Mental Health Counseling
• Nurse
• Nurse Registry
• Occupational Therapy
• Ophthalmologist
• Optician
• Optometrist
• Osteopathic Physicians
• Otolaryngologists
• Physicians Office
• Plastic Surgeons
• Podiatrists
• Prosthetists
• Psychiatrists
• Psychology
• Skilled Nursing Facilities
• Speech Therapy
• Substance Abuse Counseling
• Surgeons
• Veterinarian

Find informative articles on miscellaneous CT businesses including the types of commercial insurance they need, costs and other considerations.

• Adult Daycare
• A1griculture, Forestry, Fishing & Hunting
• Airports
• Bail Agent
• Camp
• Cemetery
• Control of Well
• Electric Utilities
• Employment Or Staffing Agency
• Enameling
• Engraving Business
• Facility Support Services
• Flight Schools
• Helicopter
• Hot Air Balloon
• Logging
• Mail Order
• Oil And Gas Lease
• Personal Concierge
• Photofinishing Lab
• Pollution
• Portable Sanitation
• Private Water Districts
• Process Server
• Refinery
• RV Parks & Campgrounds
• Security Guard
• Taxidermy
• Unmanned Aerial Vehicles (UAV) Drone
• Waste Disposal Landfill
• Wedding Planner

Find useful articles on business insurance for Connecticut non-profit 501(c)(3) organizations, charities and associations.

• Animal Shelter & Pet Rescue
• Charity
• Church
• Classic & Collector Car Clubs
• Fraternal Organization
• Goodwill Industries
• Labor Union
• Libraries
• Nonprofit
• Parent Teacher Organization
• Public Administration
• Red Cross Chapters
• Salvation Army
• Social Work Services
• Veterans Groups
• Volunteers of America
• YMCA
• YWCA
• Youth Groups

Get informed about Connecticut professional services insurance, including Professional liability, aka errors and omissions (E&O insurance), that protects your business against claims that a professional service you provided caused your client financial loss.

• Accounting
• Actuaries
• Answering Service
• Architects
• Attorney Lawyer
• Auctioneer
• Auditor
• Background Music Services
• Bookkeeping
• Business Consulting
• Chemical Engineers
• Civil Engineers
• Claims Adjuster
• Commercial Laundries
• Commodity Broker
• Corporate Wellness
• Couriers
• Court Reporter
• Credit Bureaus
• Debt Collection Agency
• Detective Agency
• Diaper Services
• Draftsman
• Electrical Engineering
• Engineering
• Environmental Consultant
• Insurance Agents And Brokers
• Executive, Career & Life Coaching
• Executive Search Firm
• Expert Witness
• Financial Planner
• Financial Services
• Funeral Directors
• HR Consultant
• Inspection Bureaus
• Insurance Agents And Brokers
• Interpreter
• Mediator - Arbitrator
• Medical Billing
• Music, Drama & Dance Therapy
• Notary
• Office Machine Repair and Maintenance
• Piano Tuner
• Project Management
• Safety Consultants
• Speakers Bureaus
• Stock Brokers
• Surveyor
• Temporary Staffing
• Tax Preparer
• Title Abstractors
• Valet Parking

Learn about Connecticut real estate insurance coverages including liability and commercial property policies for realtors, mortgage companies and more.

• Corporate Office
• Home Inspection
• Property Manager
• Real Estate Agents
• Real Estate Appraiser

Read valuable Connecticut retail insurance policy information. In a retail business, you need to have the right type of commercial insurance coverage so that your store, employees, and inventory are protected.

• Adult Novelty
• Antique Dealer
• Appliance & Electronics Store
• Army Navy Surplus Stores
• Art Dealers
• Art Gallery
• Arts & Crafts Supply Stores
• Bicycle Shop
• Book Store
• Bridal Shop
• Candy Confectionery Store
• Car Wash
• Carpet Store
• Cell Phone Stores
• Clothing Store
• Collectibles Memorabilia Store
• Consignment Stores
• Costume Stores
• Convenience Store
• Cosmetics Store
• Dry Cleaning
• Embroidery Services
• Equipment Rental
• Farm Equipment Dealers
• Fabric Stores
• Fish Markets
• Flea Markets
• Florist
• Funeral Home
• Furniture Store
• Gas Station
• Gift Store
• Greeting Card Stores
• Hardware Store
• Harness & Saddle Shops
• Home Improvement Store
• Infant, Baby & Children's Clothing Stores
• Jewelry Store
• Lamp Stores
• Lingerie Store
• Luggage Store
• Meat Market & Butcher Shop
• Men's Clothing Stores
• Music Store
• Newsstand
• Office Supply Store
• Paint & Wallpaper Store
• Pawn Shop
• Pet Store
• Pharmacy Liability
• Plumbing Supplies Fixtures Store
• Poultry Dealers
• Rent To Own Stores
• Scrap Metal Dealers
• Sewing Store
• Shoe Store
• Sporting Goods Store
• Stationary Store
• Thrift Store
• Ticket Agency
• Tobacco Store
• Toy Store
• Travel Agency
• Trophy Stores
• Tuxedo And Formal Wear Rental Store
• Vape
• Vending Machine Operators
• Wig Store
• Women's Clothing Stores

Learn about Connecticut commercial auto insurance which includes liability and physical damage protection for vehicles that are used for business purposes.

• Ambulance Services
• Armored Car
• Big Rig Truck
• Bobtail Non-Trucking Liability
• Charter And Tour Bus
• Commercial Auto
• Commercial Van
• Dump Truck
• Food Truck
• Freight Forwarder
• Household Goods Moving
• Limousine
• Non-Owned and Hired Auto Liability
• Owner Operator
• Pizza Delivery
• Repossession
• Taxi
• Tow Truck
• Truck

Protect your company and employees with CT commercial insurance. Read informative articles on Connecticut small business insurance coverages - and how they can help shield your company from legal liabilities.

• Business General Liability
• Business Liability CT
• Business Owners Policy (BOP)
• Certificate of Insurance
• CGL
• Commercial Electric Vehicle Insurance
• Comprehensive General Liability
• Directors and Officers Liability
• Employers Liability
• Employment Practices Liability
• General Liability
• Home Based Business
• Independent Contractor
• Liability Insurance Certificate
• Liability Insurance Connecticut
• LLC
• Professional Liability
• Self-Employed
• Small Business
• Umbrella

Learn about Connecticut sports & fitness insurance policies and what they cover so that your customers, employees, and equipment are protected.

• Golf Course & Country Club
• Gym Fitness
• Hole-In-One
• Ice Skating Rinks
• Martial Arts
• Pilates
• Professional Sports
• Sports Team
• Swim Clubs
• Yoga Teacher

Learn about Connecticut warehouse and storage insurance - which protects storage and warehouse facilities and protects their inventory from property damage from fire and weather, vandalism and theft and liability coverage as well.

• Cold Storage
• Grain Elevator
• Mini Warehouses
• Self-Storage
• Small Bay Warehouses
• Warehouse

Read informative articles on Connecticut wholesale distribution insurance. Distributors and wholesalers face specific risks including fire, flood and weather damage that can destroy products in the distribution center - and every part of the supply chain including late supplier shipments to unpaid invoices - can effect the entire operation.

• Air Conditioning And Heating
• Audio And Video Equipment
• Beer & Ale
• Beverage
• Cabinets
• Cameras & Musical Instruments
• Candy
• CDs, DVDs And Videos
• Clothing
• Coffee
• Confectioners
• Dairy Products
• Drugs
• Dry Goods
• Electrical Appliances
• Electrical Equipment
• Electrical Supplies
• Electronic Equipment
• Envelopes
• Extracts
• Food
• Fruit
• Fur
• Furniture
• Gifts
• Glassware
• Greeting Cards
• Grocers
• Hardware
• Importer & Exporter
• Jewelry
• Lamps
• Liquor Wholesaler
• Lumber
• Manufacturers Representative
• Meat
• Motion Picture
• Novelties
• Paint
• Petroleum
• Plate Glass
• Plumbing Supplies
• Restaurant Equipment
• Roofing Materials
• Rugs
• Seed Merchants
• Shoes
• Stationers
• Theatrical Supplies
• Tires
• Tools
• Toys
• Wallpaper
• Wholesale Florist
• Wholesaler Distributor

Read informative articles on CT commercial insurance including costs and coverages.

• Best Business Insurance Connecticut
• Cheap Small Business Insurance Connecticut
• Connecticut Commercial Insurance Brokers
• Connecticut Commercial Insurance Quotes
• Commercial Liability Insurance Quotes Connecticut
• General Liability Insurance Cost Connecticut
• Liability Insurance Quotes Connecticut

Request a free Connecticut Small Business Insurance quote in Ansonia, Avon, Berlin, Bethel, Bloomfield, Branford, Bridgeport, Bristol, Brookfield, Burlington, Canton, Cheshire, Clinton, Colchester, Coventry, Cromwell, Danbury, Darien, Derby, East Hampton, East Hartford, East Haven, East Lyme, Ellington, Enfield, Fairfield, Farmington, Glastonbury, Granby and East Windsor, Greenwich, Griswold, Groton, Guilford, Hamden, Hartford, Killingly, Ledyard, Madison, Manchester, Mansfield, Meriden, Middletown, Milford, Milford city, Monroe, Montville, Naugatuck, New Britain, New Canaan, New Fairfield, New Haven, New London, New Milford, Newington, Newtown, North Branford, North Haven, Norwalk, Norwich, Old Saybrook, Orange, Oxford, Plainfield, Plainville, Plymouth, Prospect, Ridgefield, Rocky Hill, Seymour, Shelton, Simsbury, Somers, South Windsor, Southbury, Southington, Stafford, Stamford, Stonington, Stratford, Suffield, Tolland, Torrington, Trumbull, Vernon, Wallingford, Waterbury, Waterford, Watertown, West Hartford, West Haven, Weston, Westport, Wethersfield, Wilton, Winchester, Windham, Windsor, Windsor Locks, Wolcott, Woodbury and all other CT cities & Connecticut counties near me in The Constitution State.

Learn about Connecticut small business insurance requirements for general liability, business property, commercial auto & workers compensation including CT business insurance costs. Call us (860) 900-0799.