New Haven, CT, is best known as the home of Yale University. Full of colligate events, sports, and festivals, this town has a lot to do. With over 131,014 residents, this is a large city.
If you're one of the 346,950 small business owners in Connecticut, you'll need protection. An independent insurance agent can get you coverage for an affordable price. Connect with a local adviser to start saving on your business insurance policy.
Does Your New Haven, CT, Business Have the Right Liability Coverage?
If you don't have the right liability coverage for your business, you could be out of work fast. There were $4,967,377,000 in commercial claims paid in Connecticut in 2019 alone. To properly cover your exposures, talk with an independent agent. In the meantime, check out some of the most common liability policies:
Business interruption insurance: Business interruption insurance will pay for your expenses when a catastrophe closes your doors. This coverage can last for up to two years. A local agent can help you get this added to your CGL policy easily.
Cyber liability insurance: A cyber attack can occur at any moment. All it takes is one click, and you'll be compromised. When sensitive data is stolen, you're responsible for the damage. Contact a New Haven independent agent for quotes.
Commercial general liability: A CGL policy will protect your business from a bodily injury or property damage lawsuit. To get the right coverage, connect with an independent agent. They can quote various limits to suit your needs.
Does New Haven, CT, Require Workers' Compensation Insurance?
Connecticut requires workers' compensation insurance when you have one employee or more. If you're trying to DIY your workers compensation insurance, you could be in for a rude awakening. Legal fees and fines can pile up fast when you're caught without the state-mandated coverages.
Fortunately, an independent insurance agent knows the ins and outs of state laws. They can get the policy that you need in place fast. Connect with a New Haven independent agent to obtain workers' compensation coverage.
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Employee Benefits Coverage In New Haven, CT, to Attract and Retain Talent
There are 750,457 people in Connecticut employed by small businesses each year. If you're looking to attract and retain talent, you'll need to add value. Employee benefits coverage can help.
Employee benefits will contribute to your employees' healthcare costs. When you're helping your staff pay for a considerable expense, they're more likely to stick around. Speak with an independent agent to create a plan today.
Is Your New Haven, CT, Commercial Property Insured?
Many commercial insurance policies written today will only insure up to 80% of the building value. That means you'll be responsible for the first 20% of a loss. Don't wait until you have a claim. Review your coverages with an independent agent. Take a glance at the most common risk exposures in New Haven, CT:
- Hurricanes and tropical storms
- Severe storms and lightning damage
- Heavy snow
- Flooding and water damage
- Burglary and other property claims
Does your New Haven, CT, property have flood insurance? One claim your commercial property insurance won't cover is flood damage. For that, you'll need a separate flood insurance policy. Instead of being out thousands of dollars when a loss occurs, contact an independent agent for quotes.
Why You Need a New Haven, CT, Independent Insurance Agent
When you work with a New Haven, CT independent insurance agent, you'll get the best of both worlds. They have access to several carriers, giving you options on coverage and price. Since they shop for you, you'll have more time for your business.
If you're unsure how to connect with a local adviser, go to TrustedChoice.com. They have a find-an-agent resource that can help. You can get matched with one of the experts in Connecticut in minutes.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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