Insurance Details
Commercial lines insurance is coverage that protects businesses against financial losses.
We have many coverage options for most small and medium sized businesses.
Some types of businesses we commonly insure:
- Offices of all types, including doctors, lawyers and accountants
- Retail stores of all types, even liquor stores
- Home improvement contractors, including electricians and plumbers
- Landscape contractors
- Auto Repair shops
- Building owners who rent to others (Lessor’s Risk)
- Essential protection for every business.
- It provides coverage for a wide range of problems involving injury to people or damage to the property of others.
- Anyone can be sued at any time for any reason and General Liability coverage provides peace of mind.
- Protecting your property, whether it is a building or equipment is key to peace of mind for a business owner.
- For example:
- Retailers need to insure their fixtures and stock.
- Offices need to cover furniture, computers, and equipment.
- Contractors need to cover equipment.
- Auto repair shops need to cover tools.
- And don’t forget flood insurance!
- Workers’ compensation insurance provides benefits to employees who suffer work-related injuries or illnesses.
- It is required by Connecticut law.
- Almost all employees in all situations should be covered, including part time and seasonal people.
- For commercial autos, policies can cover a wide range of vehicles, from cars for use by business owners and sales people to heavy trucks used in construction trades.
- We even have options to insure hard-to-place risks like tow trucks.
- Auto insurance includes:
- Comprehensive coverage helps pay to repair or replace your vehicle if it’s damaged from an incident like hitting an animal, fire or flooding, glass damage and hail.
- Collision coverage helps pay for damages to your vehicle from an incident related to driving such as collisions with stationary objects and other vehicles.
- Liability coverage helps protect your assets if you are found legally responsible for the injury or death of another person resulting from a car accident. It also helps to pay to repair or replace the other person’s damaged property.
- Uninsured / Underinsured coverage protects you and your passengers if you’re in an accident caused by a driver who either doesn’t have insurance or doesn’t have enough coverage. Depending on where you live, they may also help with repairing damage to your vehicle, even in a hit-and-run.
- Professional liability is the risk of getting sued for causing damage to another person as a result of your work.
- If a person causes damage to another person outside of work, that is a personal liability.
- Liability is needed by many professions such as accountants, architects, computer programmers, doctors, lawyers, opticians and veterinarians.