Three features to look for in your recreational vehicle insurance policy

As the owner of a recreational vehicle, it’s important that you invest in an insurance policy that’s going to cover this valuable asset. At ALLConnecticut Insurance, we sell recreational vehicle insurance policies in West Hartford, CT.

The following are three features to look for in your recreational vehicle insurance policy.

Permanent attachment coverage

It’s pretty standard for RV owners to use certain attachments on their RVs like satellite dishes or awnings. You should make sure that your RV insurance policy includes coverage for these attachments. A standard policy might not cover them, but permanent attachment coverage could prove to be very valuable for you down the road. 

Coverage suspension while your vehicle is in storage

A lot of RV owners keep their vehicles in storage at certain times during the year. You might feel that you don’t want to continue paying for insurance coverage while your RV is in storage. 

If you keep your vehicle in storage for certain periods of the year, it’s a good idea to find a policy with a feature that allows for coverage suspension when your vehicle is in storage. 

Emergency expense allowance

Those who own RVs tend to travel around with them. This means that they may find themselves stranded if their RV experiences an accident far away from home.

An emergency expense allowance on an RV insurance policy will cover the costs of finding lodging if you experience an accident far away from home. This allowance can also cover the costs of food while you are away from home. 

Are you on the market for recreational vehicle insurance? We’re here to help at ALLConnecticut Insurance. You can call us or visit us online to find the answers you’re looking for about recreational vehicle insurance in West Hartford, CT. 

How commercial insurance can save your small business

Owning a small business comes with risks and saving your business is why you need commercial insurance. Commercial insurance is not just one line. It is lots of different lines that are bundled together to create a policy that is customized to your particular business needs. Not every type of commercial insurance is a right for every small business. Why should you pay for insurance you will never use? At  ALLConnecticut Insurance in West Hartford, CT, we take a personalized approach and get to know our customers so we can help them to get the right insurance at the right price. 

Commercial property insurance

Commercial property insurance is something most small businesses need whether or not you own the building where your business is located. If the building is damaged by a covered hazard, there will be additional damage beyond the physical building. Your machinery, business equipment, office records, and electronics not to mention desks, etc. It will also cover your inventory and can help to get you back in business quicker. 

Commercial Liability

Any business big or small is vulnerable to being sued. Whether it is a disgruntled employee or someone who is injured while visiting your business or by one of your products, you can end up in court. A judgment against you will be very expensive and the legal expenses for your defense won’t come cheap either. 

Business Owners Policy BOP

A business owner’s policy combines the two most popular types of commercial insurance liability and property insurance into one policy. This usually ends up being more affordable than buying the two policies separately. 

Workers’ Compensation

If you have any employees in Connecticut you are required to provide workers’ compensation. You can do it with commercial insurance or you can self insure. 

Contact ALLConnecticut Insurance in West Hartford, CT, and let us help you to create the commercial policy you need.