Any business in Connecticut with at least one employee has to carry workers’ compensation insurance. This includes car washes and their full-time, part-time, and seasonal employees, and the insurance has to begin no later than the employee’s first day. Where car wash owners may find some savings in their premium is in properly classifying their […]
The landscaping industry’s cyclic nature means that a company likely won’t pay a flat annual premium for its workers’ compensation insurance. Instead, its premium will depend on the classification codes on the policy, how payroll is split among them, and its past three years of claims history used in the experience modification calculation. While you […]
Certain changes to a home, such as a finished basement or monitored security system, can change your Connecticut homeowners insurance premium. Some projects raise the rate. Others open the door to a discount. A few have no effect at all. Knowing which category a project falls into before work begins can help a homeowner budget […]
Connecticut’s manufacturing sector, anchored by the aerospace and defense supply chain, has a different injury profile than the general commercial economy. That difference can be seen in how the state prices workers’ compensation insurance coverage, as well as in how much control a manufacturer has over the number on the renewal invoice. Why Connecticut Manufacturing […]
Planning a home renovation usually means talking to a contractor to make detailed plans and estimate costs, going to your local government for permitting, and working with a bank for funding. It also means making sure your homeowners insurance is appropriate for the work being done. Five specific points in a renovation timeline call for […]
The same homeowners insurance you’ve carried for years probably covers small updates you make week to week. Things like repainting a room, hanging new drapes, or updating the cabinet doors in the kitchen. These don’t typically change the replacement cost or risk profile of your home and likely don’t affect your insurance. However, a standard […]
Connecticut healthcare employers deal with one of the more convoluted workers’ compensation classification pictures in the state. A single medical practice or agency can carry several different workers’ compensation insurance class codes under one policy, each with its own base rate. That complexity affects the premium costs at every renewal, and it’s the kind of […]
Many Connecticut homeowners who work from home don’t consider how it affects their insurance needs, or might assume that their homeowners insurance already has them covered. But if you aren’t protecting your professional assets at home with the right insurance, you may be leaving yourself open to unnecessary financial exposure. What a Standard Homeowners Policy […]
