Learning that a business of roughly the same size and in the same industry as yours pays significantly less for workers’ compensation insurance is something any business owner will want to look into. The mistake some make is assuming the other business may have negotiated a better deal or found a less expensive carrier. In […]
What should workers’ compensation actually cost for a Connecticut business? Review realistic benchmarks by industry type, the three variables that set your premium, and what drives the number up or down at renewal. Connecticut business owners should have a realistic price range for workers’ compensation insurance before they sit down with a broker to get […]
Standard homeowners policies have gaps that affect custom homes in Connecticut, especially in Fairfield County. We discuss why and offer some better options In Fairfield County, Connecticut, homeowners with high-value homes, whether historical or custom-built, may need a customized homeowners insurance policy to fill important gaps. Standard policies are designed to meet the needs of […]
Essential Takeaways: Most Connecticut business owners receive a workers’ comp quote and either accept it or shop around for a lower rate. Neither approach, however, verifies whether the calculation behind the premium is correct in the first place. Every workers’ compensation insurance CT premium is calculated using a defined formula based on three factors. Understanding […]
Essential Takeaways: Many Connecticut homeowners with older properties assume they don’t need to worry about what happens to their home if they have an insurance policy. Even if your premiums are paid, however, it is important to understand that having a policy is not the same as being covered for everything. In fact, there can […]
Essential Takeaways: Many small business owners in Connecticut think about workers’ comp the same way they think about payroll, which is per head. The problem is that workers’ compensation insurance CT premiums are not calculated that way, and approaching them as a flat per-person cost can result in budgets that don’t fare well in the […]
Essential Takeaways: Connecticut’s housing stock contains countless older homes that are full of charm, but many of them also have original plumbing, wiring, or roofing systems that predate today’s underwriting standards. When it comes to obtaining homeowners insurance, Connecticut carriers weigh age heavily. Insurers simply won’t evaluate a pre-1940 Colonial the same way they would […]
Essential Takeaways: Victorian homes are full of charm, with their carved millwork, ornate trim, and decorative plaster. However, all of these features are expensive, and if a disaster, such as a storm or fire, forces you to rebuild, a standard homeowners’ insurance policy may not be enough to cover the full cost of restoring these […]
