Connecticut Independent Agents

All Your Connecticut Insurance Needs Met in One Place

Get help from one of our Connecticut independent agents

They understand your risks and will find you the coverage you need.

Most Popular Coverages in Connecticut

Home Insurance

The coverage you need to protect your home and everything in it.

Auto Insurance

The right protection for you, your car and others on the road.

Business Insurance

Broad protection that covers you, your employees, and customers.

Workers' Compensation

Valuable employee coverage for work-related injuries and illnesses.

A home insurance policy is designed to cover against many of the hazards that property owners in Connecticut are likely to face. Whether property has been lost or damaged due to a severe storm, a house fire, or a rash of burglaries, homeowners can gain the peace of mind that comes from knowing that a suitable homeowners insurance policy in Connecticut can absorb financial losses. These policies provide dwelling insurance, contents insurance, liability, and loss of use insurance.

Accidents can happen in the blink of an eye. If the driver is at fault, they can be held liable for the cost to repair other people’s damaged property as well as for the treatment of their injuries. Given the high cost of healthcare, an accident that involves injuries can be extremely expensive and could cause a great deal of financial harm.

Car insurance in Connecticut includes a mixture of mandatory and optional coverage. If a policyholder is involved in a collision, car insurance covers collision and comprehensive insurance, liability, personal injury protection, bodily injury liability insurance, and uninsured motorist coverage

Connecticut business insurance will pay for damage to a building - this is called commercial property insurance. Business insurance will also pay for damage to business property - this is referred to as business personal property insurance. General liability covers damage to someone else's property as well as the medical bills. Connecticut businesses can also be covered with commercial vehicle and worker's compensation insurance, which protect work vehicles and employees.

Connecticut workman's comp benefits include medical care for worker injuries, wage replacement for disabled workers, and rehabilitation services. In addition, death benefits will be paid to an injured worker’s surviving spouse or dependents if they die as a result of a workplace accident.

A typical restaurant insurance policy includes the following: general liability, worker's comp, property insurance, business income, ordinance and law, boiler and machinery, spoilage, and communicable disease coverage.

No two Connecticut restaurants are exactly the same, which means that what one restaurant owner needs will never be the same as any other owner. However, an underwriter will consider all aspects of the business when writing a policy. More importantly, they will use this information to find a range of coverage options from different providers.

Depending on the policy chosen and the added coverage  included in the policy, commercial auto insurance in Connecticut can cover the following: bodily injury, personal injury, collision and comprehensive coverage, and medical payments. There may be other options available depending on the type of Connecticut business. Insurance companies offer policies tailored to the needs of specific businesses.

Insurance options for Connecticut hotels can include the following coverages. General liability is mandatory and protects against lawsuits related to injury or property damage done by the business. Things like food poisoning claims would also fall under this category. Worker's compensation kicks in and covers the financial ramifications if an employees become ill, gets injured, or dies from a work-related incident. Property insurance covers any damage to the hotel's physical building, as well as the property inside it. The type of cooking equipment used in a hotel's kitchen will contribute to the risk of fire damage, and may influence the cost of the policy. Coverage limits are typically $250 million per hotel location. Boiler & machinery,  also known as "equipment breakdown insurance," covers electric equipment in the building.

Umbrella insurance in Connecticut works to extend and expand the existing liability coverage from homeowners and auto insurance policies to protect the policyholder, their home, and their future earnings and assets if someone sues them. This extra insurance raises coverage limits and covers the types of claims that homeowners liability cannot cover, such as false arrest, certain types of dog bites, libel, and slander.

If you rent your Connecticut home, having insurance protection for yourself and your possessions is still important. Similar to home insurance, renters insurance protects you in situations that anyone might face: fire, theft, water damage and other unforeseen circumstances your landlord's policy doesn't cover.

Life insurance is an insurance policy that is paid for before a policyholder passes  away. There are many different types of life insurance policies available in Connecticut. Some of the most popular types of life insurance are term life insurance, permanent life insurance, whole life insurance, universal life insurance, annuities, and no-exam life insurance

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