A commercial general liability policy is important for all Connecticut businesses. It covers common risks, including slip-and-fall injuries. Most commercial leases require this coverage.
This policy, also called errors and omissions insurance (E&O), protects consulting firms and other professional services. It covers lawsuits over erroneous, late, or undelivered work.
This type of insurance helps Connecticut businesses survive data breaches and cyberattacks by paying for client notification costs, legal fees, and other related expenses.
A BOP bundles commercial property insurance and general liability coverage in one plan. It's often the most cost-effective business insurance policy.
Workers’ compensation is required for CT businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
This policy is required for business-owned vehicles in Connecticut. It covers injuries and property damage in an accident, along with vehicle theft, vandalism, and weather damage.
Connecticut businesses with employees are required to carry workers’ compensation insurance. This policy covers medical bills for work-related injuries and illnesses, and also provides part of the wages lost while the employee is recovering.
Household employees who work fewer than 26 hours per week, such as housekeepers and caregivers, are an exception. All other employees, whether they’re part-time, full-time, or seasonal, must be covered under an employer’s workers’ compensation insurance according to Connecticut law.
All business-owned vehicles in Connecticut must be covered by commercial auto insurance. It protects against financial loss in the event of an auto accident.
Trucking companies may need additional coverage to comply with regulations.
Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance (HNOA), as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy (BOP).
Insureon's licensed agents can help you find policies that fulfill Connecticut's requirements and your unique business insurance needs. Once you've purchased insurance with us, you can download a certificate of insurance by logging into your account.
In Connecticut, insurance agencies, agents, and brokers are licensed by the Connecticut Insurance Department. Insureon is licensed in Connecticut as BIN Insurance Holdings, LLC (NPN 15752926) for property and casualty insurance (license number 002352309) and for surplus lines (license number 002353831). You can verify our licensure with the Connecticut Licensing Info Center by selecting "Search by License Number" and then entering either of our Connecticut state licenses.