When You Need Commercial Insurance

When you own a small business, it is extremely important to ensure that it is properly covered by insurance. For those that are in the West Hartford, CT area, having commercial insurance would be very beneficial. There are several situations in which you will need to have this type of insurance coverage.

Own Property

The first situation that you will need commercial insurance is if you own a commercial property. If you only commercial property, the property insurance component of the commercial insurance policy will provide you with coverage in the event that the property is damaged by a storm, fire, or other calamity.  This can also provide coverage for all contents under the roof, including major equipment.  

When You Have Employees

Another situation in which you will need to have commercial insurance is when you have employees. In the state of Connecticut, all companies that have any employees will be required to carry workers compensation insurance as a part of a general commercial insurance policy. This type of insurance will provide coverage in the event an employee is injured while they are at your place of business.

When You Sell a Product or Service

If you produce a product or service, it would also be a good idea to have Commercial Insurance. Anytime you sell a product, you will be taking on some level of risk that someone could be injured by it. This could open you up to a significant amount of liability. When you have a commercial insurance policy, liability insurance will be a significant part of it and will provide you with coverage in the event you are sued and found liable for an injury. 

For businesses in the West Hartford, CT area, finding the right commercial insurance policy can seem complicated. By working with AllConnecticut Insurance, you can receive the insurance service that you need. AllConnecticut insurance will be able to help you build a policy that provides you with the coverage that you need.  



Why The Right Boat Insurance Is So Important

Consider your relationship with your boat to be as personal as your relationship with your car. Unlike cars, not all states in the US require that you have insurance coverage for your boat. But how can you enjoy the high seas without worrying about boat insurance in West Hartford, CT? To ensure you get the most from your investment, water safety is key. The best way to achieve this is by having an insurance policy to cover all your water vehicles.

Having watercraft insurance from ALLConnecticut Insurance can make a tremendous difference. As a matter of fact, concerns and stresses should be kept at bay when cruising the open waters. All you should worry about is the wind blowing through your hair, nothing more. With the right insurance agent at your side, you can have the right insurance policy for your jet skis, boats, and other watercraft items.

Here are a few reasons why you need the right boat insurance in West Hartford, CT.

Safety concerns

You may be thinking your boat doesn’t cost so much money and so, obtaining insurance may not be necessary. But have you thought about accidents and mishaps? What if your boat damages someone else’s boat? The insurance will definitely help to protect you even when your boat may not worth that much.

Designed specifically for you

In a bid to help you get the right protection you deserve, your boat insurance will be tailored to suit your specific needs. Why pay for a policy that isn’t important. Ensure to talk to your ALLConnecticut Insurance agent to help you choose the right coverage for you.

Legal protection

As a matter of fact, personal injury claims or damage claims can be financially crippling especially when you are not covered. Interestingly, the little amount you pay for insurance can be beneficial in protecting you against these claims and even save you from going bankrupt.