Does Connecticut Require Insurance for Travel Trailers?

West Hartford residents who enjoy the comfort and convenience of traveling and exploring new sights may find themselves researching the many types of recreational vehicles available. If you are considering buying a recreational vehicle, such as a travel trailer, it’s important to understand Connecticut’s insurance requirements. At ALLConnecticut Insurance, we have the answers to all your questions so you can hit the road with the right coverage.

Connecticut’s Insurance Requirements

In Connecticut, the type of recreational vehicle you own determines the type of insurance coverage required. For example, a motorized RV that is driven is treated the same as a car or truck and requires its own insurance policy.

Travel trailers, however, fall into a different category since they cannot be driven. While the state does not mandate insurance coverage for the trailer itself, it requires the towing vehicle to carry liability insurance that includes coverage for the travel trailer.

If you plan to use the travel trailer for commercial purposes, Connecticut law does require insurance coverage for the trailer.

Benefits of Travel Trailer Insurance

Your travel trailer is a significant investment, and protecting it in case of an accident, theft, or damage is essential. Owners have the option of purchasing specialized RV insurance that includes collision and comprehensive coverage.

This type of coverage protects against accidents that occur while the travel trailer is on the road. It also covers incidents such as vandalism, severe weather, fire, and theft. Additional options to consider include personal property coverage, total loss replacement, and vacation liability insurance.

Contact Us

When you’re ready to explore all that West Hartford, CT, has to offer for recreational vehicle owners, let our agents at ALLConnecticut Insurance help you get on the road safely and securely.

Professional Liability Insurance: Who Needs it and What Does it Cover?

Do you offer services in the fields of health, law, or finance? Would a single mistake, or even an alleged mistake, on your part cost a customer a significant amount of money? If so, a professional liability insurance policy could provide the protection you need to run a successful business.

What Is Professional Liability Insurance?

Professional liability insurance, also known as malpractice insurance or errors and omissions (E&O) insurance, covers claims related to your professional services and advice. This includes bodily injury and property damage claims, as well as losses related to missed deadlines, failure to deliver products or services on time, failure to meet industry standards, and copyright infringement claims. It provides compensation for legal expenses, settlements, and judgments.

However, there are certain types of damages that professional liability insurance does not cover. For example, you’ll need a separate general liability insurance policy to cover accidents that occur on your premises. If you’re concerned about hacks and data breaches, a cyber insurance policy is essential. Additionally, if you operate a business with employees, you’ll need workers’ compensation insurance to cover on-the-job accidents. It’s also important to note that professional liability insurance does not cover claims related to allegations of criminal activity.

Call ALLConnecticut Insurance for Coverage Options for Your West Hartford, CT Business

ALLConnecticut Insurance serves business owners and entrepreneurs in and around West Hartford, CT. We offer commercial insurance policies and policy bundles from multiple carriers, making it easy for you to find the coverage you need without unnecessary delays. Contact us today to learn more about our policy options or to start the process of purchasing the insurance policy that’s right for you.