The Ins and Outs of Umbrella Insurance

Life is unextecting at times. It only takes one serious mishap – and the lawsuit that follows – to put you and your family at risk. However, an umbrella insurance policy helps you protect the things that matter most. At ALLConnecticut Insurance Brokers, our insurance professionals can help enhance your protection using a simple but effective umbrella insurance policy.

What is an Umbrella Insurance Policy?

Umbrella insurance is a specific type of add-on policy. It is designed to offer additional liability coverage that exceeds the limits of your existing insurance policy coverage or is not covered by the current policy. For example, it may cover a boat rental, etc.

The Ins and Outs of Umbrella Insurance?

The amount covered by the umbrella policy will vary – typically ranging from $1 to $5 million. The amount of coverage should depend on the value of your assets.

  • Your car or homeowners insurance policy will always be your first line of defense.

For example, you are liable for a car accident in the amount of $2 million. While your auto insurance policy covers the first $500,000, the umbrella policy kicks in to cover the remaining $1.5 million. The incident in question must be covered under the purchased insurance coverage.

  • Umbrella insurance covers various liabilities –
    • Property Damage
    • Bodily Injury
    • Personal Injury, etc.
  • One umbrella policy will usually offer coverage for each family member who resides in your household.  

The Bottom Line

Essentially, an umbrella insurance policy provides excess liability coverage for current policies. You’ll need coverage if you’re at fault for a serious event/incident.

For additional information about a West Hartford, CT umbrella insurance policy, contact the insurance professionals at ALLConnecticut Insurance Brokers at 860-232-7076.

Connecticut ATV Recreational Laws

ATVs are popular recreational vehicles enjoyed in summer across rugged terrain and are popular as snowmobiles. Designed for recreation, the laws surrounding ATVs are tailored for private and public land use. Having an ATV on your own property will only subject you to simple legal rules and liability insurance. If you plan to enjoy your ATV offroad, on snow trails, or on public lands, you’ll need to follow these guidelines.

ATVs must be Registered in Connecticut.

State law in Connecticut requires that ATVs be registered for use on state roads and land. To be clear, this registration does not necessarily mean your ATV will be "street legal," as ATVs are not typically always to comply with minimum speeds for interstates and busy highways, in addition to other safety concerns. Instead, owners will need to legally register their vehicles and ensure they follow the additional environmental laws associated with the state. Recreational vehicles are subject to minimum insurance requirements similar to any other vehicle, but many owners also favor added policies to protect against theft or damage.

ATVs and Age

ATVs are legally allowed to be driven by minors under 18, as young as 12, in the state of Connecticut. If minors use your ATV, there are additional restrictions. Operators under the age of 18 are required to take a safety course and obtain a certificate of operation. Operators between 12 and 16 must also have the supervision of an adult over 18 while driving.

While ATVs can be an amazing form of recreation, the regulations can be complicated. Contact ALLConnecticut Insurance to find out more about ATV insurance laws and liability. Request a quote today!

Insurance for Part-time vs Full-time RVers

You can add your RV to your auto policy, but if you live in it full-time, that might not net you the coverage you need for your home. Find out the difference between part-time and full-time RV living and make an appointment with an agent at ALLConnecticut Insurance in West Hartford, CT to determine the best insurance options for your sometimes or all-the-time home on wheels. 

How the Insurance Company Looks at Your RV

Of course, every RV policy is unique, but there are two general categories used by most insurers based on how long you spend in your RV. Do you spend months on the road and then come home to your primary residence? Maybe you live in your RV year-round, making it your sticks and bricks home. 

What Is Full-Time RV Living?

Generally, if you live in your recreational vehicle for more than 150 nights per year, you’re a full-time RVer with unique needs compared to part-time RV enthusiasts. Either you have another home but spend 150+ nights in your recreational vehicle, or you don’t own a conventional home and spend the whole year in your RV. 

What Is Part-Time RV Living?

Even if you spend months in your RV, you don’t need the same coverage as full-time RVers. As a part-time RV owner, you always have another house to go home to. You don’t have all your possessions tied up in the vehicle. On the other hand, if you have no permanent address and live in your recreational vehicle, you’re likely to want more coverage. 

Driving around the country full-time puts you at greater risk of an accident or other perils. So, you’ll want to choose policy options that give you the confidence you need to enjoy the road.

Contact ALLConnecticut Insurance in West Hartford, CT to discuss your RV insurance needs today!

Cyber Liability Insurance: A Must-Have for West Hartford Businesses

In today’s digital age, businesses are increasingly relying on technology for various aspects of their operations. With this increased reliance comes the risk of cyberattacks, data breaches, and other cyber threats. In this post, we’ll discuss the importance of cyber liability insurance for businesses in West Hartford, CT, and how ALLConnecticut Insurance can help you protect your company from these ever-evolving risks.

Cyber liability insurance serves as a vital safeguard for organizations of all sizes and industries, shielding your company from the financial and reputational repercussions of a cyber event. Expenses arising from a cyberattack or data breach can be significant, including costs for notifying affected customers, providing credit monitoring services, and addressing potential regulatory penalties. Furthermore, a cyber incident can harm your business’s reputation, diminishing customer trust and losing future opportunities.

Proactively securing digital assets and sensitive information against possible cyber threats is essential. This involves implementing robust cybersecurity measures, educating employees, and formulating a reliable response strategy in the event of a cyber incident. However, even the most stringent security measures cannot guarantee absolute immunity to breaches. Cyber liability insurance offers an added layer of defense for your organization, ensuring your business remains protected.

At ALLConnecticut Insurance, we understand the unique risks associated with operating a business in the digital age. Our experienced agents are here to help you navigate the complexities of cyber liability insurance and find the right coverage for your West Hartford, CT business. We’ll work with you to tailor a policy that addresses your specific risks and meets your unique needs.

Don’t leave your business vulnerable to the devastating consequences of a cyber incident. With ALLConnecticut Insurance by your side, you can have peace of mind knowing that your company is protected from cyber threats. Contact us today to discuss your cyber liability insurance needs and safeguard your business for the future.

Why Should I Review My Homeowners’ Insurance Policy Every Year?

Whenever it comes time to renew your homeowner’s insurance policy, many property owners don’t give it a second thought. Whether they’re too busy to research new policies or just content with their coverage, it gets swept under the rug. However, reviewing your coverage with a local insurance company is always a good idea to ensure you get what you need. Here are a few reasons to do this with your West Hartford, CT insurance policy.

Life Events Change

Whether you just got married or starting a family, these factors come into play when ensuring your insurance is correct. Significant events in your life mean that you should also alter your insurance. For example, if you need to move your aging parents into your house, you should make sure that the coverage you have at your current home is sufficient. Another example may be getting a dog, affecting your insurance coverage.

Ensures You Understand Your Policy

Reviewing your policy can make all the difference because you may need more coverage than you thought you did. You may decide to add additional pieces, such as flood insurance. You may also choose that a specific policy is no longer necessary and adjust it. It’s something that lenders require if you have a mortgage, and you should make sure that you have the correct amount of coverage. If you don’t, you could pay more than you should when making a claim.

Contact ALLConnecticut Insurance

Are you ready to learn more about a homeowner’s insurance policy in West Hartford, CT? ALLConnecticut Insurance proudly serves our clients with what they need. We’ll work with you to help provide you with what you’re looking for. Get a risk-free, personalized quote anytime you want by calling us today.

Getting Your Teen Ready to Drive

You might think you have worried about everything there is to worry about concerning your child, but then they become a teenager, and it’s time to drive. Although it is natural to worry about your teen driving, you can help relieve much of that worry by ensuring they are adequately prepared for driving first. Here at AllConnecticut Insurance, serving West Hartford, CT, we want to help you and your family stay safe on the road. Keep reading to learn about getting your teen ready to drive. 

Be a Good Example

One of the most powerful things you can do for your teens to help them be safe future drivers is to set a good example yourself. You should never engage in any driving activity or behavior you do not want your child to emulate. That includes texting and driving, speeding, drinking and driving, and any other unsafe driving practice. 

Insist on Driver’s Ed 

Even if your state does not require your child to take a driver’s ed class, you should insist that this is required to earn the driving privilege. During this course, your child will learn valuable skills and information that could save their life once they are out on the road. If your local school district does not provide this class free of charge, you should still invest to ensure your child has this education. 


You need to monitor your child heavily in the first few days of having a learner’s permit or license. Until they have proven to be a safe driver, you must assume they are still learning. 

To learn about auto insurance services, please contact us at AllConnecticut Insurance, serving West Hartford, CT, and the surrounding areas. 

Umbrella Insurance Provides Extra Liability Coverage

Do you live in the West Hartford, CT area?

Do you have assets that need to be protected? ALLConnecticut Insurance can provide liability insurance coverage necessary to protect your assets.

An umbrella policy increases liability limits beyond your homeowners and auto insurance policies. The costs of a lawsuit, legal fees, and medical expenses can deplete your savings quickly. An umbrella policy can offer millions of dollars of liability coverage for only hundreds of dollars in premium costs.

Typically, you can add $1 million worth of extra coverage for about $150 to $350 per year. A good, experienced insurance agent can explain how much coverage your financial situation requires.

Anyone could be sued if a visitor is hurt while visiting their home. But the risk gets higher if you have a swimming pool, where anyone can have a life-altering neck or head injury or possibly drown. A tragic scenario can severely impact the homeowner’s current and future financial situation.

The medical payments coverage under your homeowner’s insurance policy will pay some medical costs. Still, the liability coverage an umbrella policy provides can help with more costly long-term care needs.

Like a swimming pool, a trampoline is considered a nuisance attractive to others. It can tempt those to use it without the owner’s permission. Some insurers forbid them entirely and could cancel your homeowner’s policy if you have one. But some can charge a "nuisance surcharge" or require a locked fence to enclose it.

To protect your current and future income, umbrella insurance will provide the liability coverage necessary to absorb the expenses related to a lawsuit in the event of an accident. Contact ALLConnecticut Insurance today for a quote.

Everything You Need to Know About Recreational Insurance in West Hartford, CT

Are you looking for the right recreational insurance plan in West Hartford, CT?

Recreational insurance is essential whether you are an avid camper or a weekend warrior. With the right coverage from ALLConnecticut Insurance, you can have peace of mind knowing that your recreational adventures are covered.

Motorcycles and ATVs

If you enjoy taking your motorcycle or ATV out on the open road, recreational insurance should be at the top of your list. Motorcycle and ATV policies cover damage to your bike or ATV and liability protection in case someone else is injured while riding with you. And don’t forget about all those accessories and gear—your policy will cover those too!

Boats and Personal Watercrafts

Whether it’s a sailboat, fishing boat, or personal watercraft like a Jet Ski, recreational insurance will help protect your vessel from damage caused by theft, fire, weather conditions, accidents, and more. Your policy also includes liability coverage if someone gets hurt while using your boat or watercraft. Plus, it will cover other items such as anchors, fishing equipment, and electronic navigation systems that may be on board your craft.

RVs and Trailers

Recreational insurance provides coverage for RVs for camping and long-distance road trips. It offers protection against unexpected events, such as fires or accidents, that can occur during travel. It also provides coverage for personal items inside the RV, such as electronics and furniture, in case they get damaged or stolen while you’re on the road. 

When choosing a recreational vehicle policy, consider what type of vehicle(s) you want to insure and how much protection you need. Contact ALLConnecticut Insurance today to discuss your options for protecting yourself on all outdoor adventures with recreational insurance coverage! 

Who needs to have a commercial insurance plan for their business?

When you are a business owner in the West Hartford, CT area, you will find many great options for growing a business. If you choose to start and run a business here, you will always want to ensure you protect and support it as much as possible. One way this can be done is by investing in a proper commercial insurance plan. There are various situations when you will need to have this coverage.

When Raising Capital or Financing

A situation when having a commercial insurance plan is necessary will come when you are trying to raise capital or financing for your business. Any company that would like to grow will need outside capital. Whether this comes from an investor or a bank loan, the other party will want to know that you are fully insured. You will likely sign agreements requiring you to have some level of coverage. 

When Trying to Reduce the Risk

You will also want to get a commercial insurance plan when you are trying to reduce risk. There are a lot of risks that come with running a business today. A great way to reduce these risks is by having insurance for your business. This coverage will offset your liability risks and ensure your core assets are covered in a fire, theft, or other situation that causes a loss. 

If you want a commercial insurance plan and live in the West Hartford, CT area, it would be wise to call the team with ALLConnecticut Insurance. The team with ALLConnecticut Insurance offers the support needed to build a plan. This will help ensure you have a policy that meets your needs and covers your organization. 

Do I Need RV Insurance Year-Round?

In this post, ALLConnecticut Insurance takes a closer look at RV insurance in West Hartford, CT.

The Benefits of Year-Round Coverage 

Long-term coverage for your recreational vehicle is the most beneficial option, as it offers continuous protection regardless of whether you use your vehicle. RV coverage protects your car from any potential damage or theft when parked in storage and not in use. Depending on your provider, having year-round coverage might also entitle you to discounts for extended periods without claims. 

When Is It Best to Get Short-Term Coverage? 

However, there are times when short-term policies can be helpful as well. For instance, if you only plan on using your recreational vehicle a few times during the year—such as for summer vacations—a short-term policy might make more sense than a longer one. Additionally, if you plan to take your recreational vehicle overseas, some providers will require that you have short-term coverage due to the increased risks associated with foreign travel.                                 

What Does My Policy Cover? 

No matter which type of coverage you choose, know what exactly is covered by your policy to ensure that you are protected. Most recreational vehicle insurance policies cover both physical damage and liability protection for things such as medical bills and legal fees for bodily injury caused by an accident involving your recreational vehicle. 

If you plan on frequently traveling throughout the year, then having year-round coverage makes sense. However, short-term coverage could be more economical over time if you only use your RV sporadically during certain months of the year. Still have questions? Contact ALLConnecticut Insurance today – we’re here to help West Hartford, CT.