Does Recreational Vehicle Insurance Cover Bodily Injury in West Hartford?

If you’re looking for recreational vehicle insurance in West Hartford, CT, you likely want to know exactly what it covers so you’re prepared for a variety of events. One of the most important things though is the coverage of bodily injury. ALLConnecticut Insurance is here to fill you in on the basics of this type of coverage so you can feel confident on the road. 

Two Types of Liability 

There are two major types of liability when it comes to recreational vehicle insurance. If you’re at-fault for an accident, your bodily injury coverage will set limits on a per-person basis. (For reference, property damage is done on a per-accident basis.) One of the more important things to know as an owner is the limits that your plan carries.

Each state sets its own minimum limits, but you have the option to increase those limits if you wish. Because even small injuries can add up to big medical bills, it can help for owners to go above and beyond what Connecticut requires of them. This way, they’re not liable for any additional expenses after their coverage runs out. 

Upgrading Your Coverage in West Hartford, CT 

If you’re interested in a new policy or upgrading your old one, call ALLConnecticut insurance today for more information or for a quote. Now that you know that bodily injury is covered under your policy, it’s time to start breaking down how much it will cover in the case of an accident and whether you’re comfortable with the totals. We’re also here to help with any other concerns you may have about your policy. Our staff is here to help you find out how to keep you safe, whether you’re on the road or not. 

Using Builder’s Risk Insurance as a Prime Commercial Insurance Option to Protect Your Company

There is always construction activity taking place across the West Hartford, CT area. As a commercial company handling construction, you need to ensure you have adequate insurance protection to help you each step of the way. When you are talking about insurance for a builder, the top one that should come to mind is builders’ risk insurance. What is the type of policy and why is it so important to your company?

Builders risk insurance is an essential piece of the puzzle when talking about doing construction projects in a safe way. With builders risk insurance, you are going to have different forms of coverage depending on the insurer that you purchase from. There are to standard policy forms or anything like that.  

The great thing about builders risk insurance, though, is that when you plan out your coverage appropriately, you will be safeguarded from losses on the construction site. Builders risk insurance is specialized to help protect losses due to fire, lightning, as well as other perils. This can help with the project cost as well as employee liability for workers on-site.  There are other soft losses that you can get coverage for with this policy, including loss on the job site due to theft, and even cost to upgrade the site to meet more "green" requirements.

Again, though, you need to plan appropriately when you are talking about builders’ risk insurance. Since there are no standard forms, what one insurance company offers will vary widely from what another will offer you. Working with an agency such as ALLConnecticut Insurance is critical. Reach out today to start to get a better handle on builders’ risk insurance and how it can help your company stay safeguarded once construction begins.