A Quick Guide to Covering All of Your Toys

In case you aren’t familiar with the term, toy insurance is coverage for recreational vehicles and similar devices that are not primary modes of transportation. The term can refer to motorcycles, boats, RVs, ATV and even snowmobiles. Basically, it’s insurance for those things we long to have, and when we finally acquire them, it is like a dream come true. AllConnecticut Insurance can make sure your toys are protected, so here are the basics for getting toy insurance in West Hartford, CT.

State Requirements

This is the beginning of any honest conversation about insurance. Every state has different requirements, and they change over time. In Connecticut, anything that is intended to drive on roads requires a minimum coverage for bodily injuries and property damage. Seafaring equipment has its own set of rules. The total range of necessities is a bit expansive for a quick guide, so your best bet is to discuss all of your toys and their legal insurance mandates with your representative.

Personal Liability

This is a particular insurance for toys. In general, these are powerful vehicles and devices that lend themselves to more dangerous activities. After all, that is often part of the thrill. Also important is the impression your toys make in a civil court. You don’t actually have to be wealthy to own an ATV, an RV or even a boat. Still, having expensive toys will create an image of wealth, and a jury of your peers may be more inclined to award larger penalties in a legal case. If your toys are going to come in contact with other human beings, you need to consider liability coverage. It is often available for minimal increases to your premium.

Total Coverage

The only other major concern for your toys is protecting them from disaster. These are things we usually save for years to purchase, and we get attached quickly. You want to be sure that you can repair or replace the vehicle of your favorite pastime if the worst should happen. Protection from accidents is a good start, but don’t overlook the threats of weather and theft. You might be surprised how much a full commitment to peace of mind can help you enjoy the time with your toy to its fullest.

The basics will get you started, but insurance can become a complicated topic very quickly. Consider chatting with an AllConnecticut Insurance agent about the options available in West Hartford, CT.


Does A Touring Band Need Commercial Insurance?

West Hartford, CT is a major hot spot for a variety of bands. If you are in a band and need high-quality insurance, it is important to understand your options. Whether you play in one area or tour, there are several ways that we at ALLConnecticut Insurance can help protect your music band from serious financial loss.

Performing Bands Have Unique Coverage Options

Bands that perform in one town or a specific venue (such as a casino) can purchase some band insurance to protect their investment. This type of insurance will protect their instruments from destruction, provide them with general liability coverage, and even manage certain types of vehicle damage. Qualifying for this type of coverage, though, can often be hard.

Schools Are Often Not Covered

One surprising limitation on this kind of commercial insurance is school-based programs. Just about every type of band-specific insurance policy excludes accredited or sponsored programs. The reasons for this can be somewhat mysterious, but it is important for these bands to remember. As a result, they may need to get education-based or general liability insurance instead.

Touring Groups May Require Specialized Coverage

Band-specific coverage often does not extend to cover bands who tour to make a living. There are several reasons for that, chief among them the difficulty of covering so much equipment moved so frequently. However, touring bands can purchase commercial general liability insurance to protect them from third-party claims, bodily injury, and property damage. If they decide to focus their band activities in a central and non-changing situation, they can then purchase band-specific insurance policies.

Protecting Your Band

If your West Hartford, CT band wants to avoid having to pay to replace all of their equipment, please contact us at ALLConnecticut Insurance. Our commercial policies can protect you from this danger and provide a simple way to keep your band making money.