For many car wash owners, the majority of their investment is in the machinery. Conveyors, in-bay gantries, pump stands, dryers, and other equipment can all quit unexpectedly, and standard commercial insurance policies aren’t typically written to cover them. Coverage designed for your car wash can protect your customers’ property while it’s in your care, as […]
If you operate a business that puts someone else’s property under your care, custody, or control, you have special insurance needs to consider. For a car wash, this includes customer vehicles. Connecticut car wash owners often assume the commercial general liability policy they already carry will cover damage to a customer’s car. However, what they […]
Insurance coverage requirements for contractors in Fairfield County come from three different directions, and satisfying one does not necessarily satisfy the others. A certificate of insurance accepted at a Norwalk permit counter can fail review in Greenwich two weeks later, and if you aren’t sure which coverage requirements you failed to satisfy, you may not […]
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 […]
