Month: May 2025

Steps to Take When Reviewing Your RV Insurance Policy

Posted on by AgentInsure

A comprehensive RV insurance policy can protect you from financial liability when a covered event occurs. Repair costs can increase over time as you continue to own your RV. Material costs and RV replacement costs all rise, which is why it’s crucial to review your RV insurance policy regularly.

The professionals at ALLConnecticut Insurance, serving West Hartford, CT, can assist you. We provide RV insurance and can help you review your policy regularly. Have questions about reviewing your RV insurance policy? We have answers. Here’s what you need to know. Below are the steps you should take when reviewing your RV insurance.

Request Your Policy

The first step in reviewing your RV insurance policy is to request a copy of your policy. You should already have a copy of your RV insurance policy, but if you don’t, your insurance agent can assist you. Your insurance agent should be able to provide you with a copy of your policy.

Review Your Coverage Limits

Check your coverage limits once you have a copy of your insurance policy. Your coverage limits might have been appropriate when you obtained your policy or your RV, but the costs to repair or replace an RV can increase over time. Review your coverage limits to ensure that you have sufficient insurance if something happens to your RV.

Consult Your West Hartford Insurance Agent

If you’re unsure whether you have adequate coverage for your RV, consult your insurance agent. The professionals at ALLConnecticut Insurance, serving West Hartford, CT, can assist you. We can review your coverage limits with you to determine if you have enough coverage for your needs. Call us today.

What Types of Commercial Insurance Protect Trade Contractors?

Posted on by AgentInsure

Companies in the construction industry face unique risks specific to their line of work. If you own a construction contracting company operating in West Hartford, CT, you’ll need several types of insurance policies to safeguard your operation. ALLConnecticut Insurance can help determine which commercial policies will best serve your business.

Essential Coverage

At the very least, your business requires general liability and workers’ compensation insurance policies. Construction companies can obtain specialized general liability insurance that protects against bodily harm or property damage resulting from business activities. This insurance can be purchased by general contractors, plumbers, electricians, similar businesses, and property owners. Given that the construction trades have some of the highest rates of job-related injuries, workers’ compensation insurance, which helps cover medical services for your employees’ injuries, is a necessity.

Additional Policies to Consider

Depending on the nature of your company’s work, you may need to consider additional policies. If you maintain a fleet of vehicles, such as vans or trucks carrying equipment and parts, you’ll need commercial auto/truck insurance. These policies function similarly to personal auto insurance but protect vehicles used in your business operations. If you have a significant inventory or equipment, an inland marine policy will provide protection. These policies cover tools and equipment during transportation, including items that you lease or borrow.

If you provide professional advice during operations, consider an errors and omissions policy. This insurance protects you against lawsuits from dissatisfied customers claiming you did not provide services or were negligent in operation, regardless of the validity of their claims. Builder’s risk insurance, also known as course of construction (COC) insurance, protects your property during construction.

Fully protect your construction business by obtaining appropriate insurance policies from ALLConnecticut Insurance, serving West Hartford, CT. Contact our office to schedule an appointment.