Outdoor and Recreation Coverage: Insuring Your Adventure-Based Business

Business owners in West Hartford, CT who are involved in the outdoor recreation industry require special insurance coverage. Whether you rent sports equipment to tourists or provide guide services, your current insurance plan may not offer all of the protection you need. ALLConnecticut Insurance carries a variety of business policies, including outdoor and recreation coverage for adventure-based businesses. What can these policies do for you that traditional liability coverage can’t?

  • Operate an ATV rental service? You may be liable for injury or damage caused by your rental equipment, even if you aren’t there when the accident occurs. Outdoor and recreation coverage, in addition to your commercial auto insurance package, ensures that you have the funds to cover any possible financial liabilities.
  • Gun ranges are a popular pastime for families and active individuals. Protect your interests from accidents or malicious intent with an active outdoor and recreation insurance policy. Your policy will also cover your food courts, indoor activity areas, and instructors.
  • The areas around West Hartford, CT are perfect for fishing, hunting, and other game-related sports. Get your guide service covered to ensure that any accidents don’t ruin your ability to make a living.
  • Tour guides who use jeeps and other motorized vehicles to transport their clients need more than commercial auto insurance to protect their interests. An outdoor and recreation policy is the best way to protect your clients, equipment, and your own life.
  • RV parks often become second homes for outdoor enthusiasts. However, some guests don’t know how to treat the property of others. When the damage goes beyond what your other insurance policies can cover, your outdoor and recreation coverage can help pay for repairs.

 Contact ALLConnecticut Insurance for more information on protecting your adventure-based business with outdoor and recreation coverage.

 

What is Umbrella Insurance?

Sometimes one general insurance policy is just not enough. In the event that you get sued for an exorbitant amount of money, an umbrella insurance policy could save you from financial ruin. Also known as excess liability insurance, umbrella insurance goes into effect once you have reached your basic liability limit or if the claim is not covered by your personal policy. It will help make up the difference in what you owe, so that you avoid the loss of assets, destroying your business, repossession of home, or declaring bankruptcy. AllConnecticut Insurance in West Hartford, CT can help you figure out whether or not umbrella insurance is something you should be considering.

What Does Umbrella Insurance Cover?

While umbrella insurance is a great option for some who might need additional insurance, it is not a complete catch-all. It will not cover just anything. Here are some examples of what it covers:

  • Lawyers’ fees
  • Other party’s property damage
  • Other party’s medical treatment
  • Lawsuits involving defamation of character or slander

Here are some examples of what umbrella insurance does not cover:

  • Your injuries
  • Criminal acts
  • Damage to your assets
  • Other party’s injuries, for which your business is responsible

Who Needs Umbrella Insurance?

Even though excess liability insurance is not a requirement, there are certain types of people who invest in policy more often than others. Those who commonly purchase umbrella insurance relate to one or more of these factors:

  • Property owners
  • Have substantial savings
  • Likely to be sued
  • Have more assets than covered under the personal liability policy

If it sounds like your circumstances call for excess liability insurance, be sure to reach out to AllConnecticut Insurance in West Hartford, CT. They will be able to assess your situation and give you professional advice on whether or not umbrella insurance is the right choice for you. 

Understanding Insurance for RVs

Recreational Vehicles (RVs) are a combination of a vehicle and a mobile home. To be certain that you have adequate insurance coverage, there are important considerations, which you should discuss with your agent at ALLConnecticut Insurance serving West Hartford, CT and the surrounding areas. You want to have adequate insurance for the RV and you also want to have insurance for its contents.

Insuring Your RV Against Loss from Accidents

Connecticut is an “at-fault” state. This means that the owner of an RV is responsible for the damages caused by an accident that is determined to be their fault. This includes needing liability coverage for property damage and the injuries or deaths of any people involved. In Connecticut, if the vehicle insurance limits do not cover the damage, you can be sued for the additional amount along with additional financial claims for pain and suffering.

Insuring Your RV Against Loss from Theft and Vandalism

Having adequate insurance for the contents of an RV is necessary to protect from the risks of theft and vandalism. This includes having protection if the RV is sometimes put into storage. If you have any high-value items that you take along with you, be sure to tell your insurance agent about them. For example, precious jewelry that is taken along to wear on a vacation trip needs to be itemized for proper insurance coverage.

Insuring Your RV Against Loss from Disasters

There are two types of disasters that you need to consider, which are natural disasters and those made by people. An RV needs to have adequate insurance against both. Floods, high winds, thunderstorms, hail, tornadoes, wildfires, earthquakes, hurricanes, and other natural disasters can impact an RV depending on where it is located. Disasters caused by people, such as accidental fires, need to have protection as well.

Talk with your agent at ALLConnecticut Insurance in West Hartford, CT about these details for adequate RV insurance and ask them about emergency road assistance and special coverage for the cost of alternative accommodations if an RV cannot be occupied if it needs to be repaired while on a trip.

Beginner’s Guide to Recreational Insurance

Recreational insurance in West Hartford, CT helps provide coverage for your recreational vehicles. No matter what your needs are, ALLConnecticut Insurance is here to help you. These vehicles can include boats and personal watercraft, RV and travel trailers, ATVs and dirt bikes, and snowmobiles.

This type of insurance is usually optional in many instances, but if you are financing your vehicle through a lender you may be required to obtain full coverage insurance. If you are driving your vehicle, you are required to have the state’s minimum liability insurance in order to be out on state roads.

Recreational insurance is going to be similar to auto insurance, since these are vehicles after all. However, there won’t be adequate coverage if you just have a typical auto policy for your RV. For your RV, you are going to want to protect your personal belongings and have coverage for emergency expenses.

Recreational insurance will cover your liability if you get into an accident with someone else on the road, or on the water. If you choose full coverage and opt for comprehensive and collision insurance, then you are covered from other damages to your recreational vehicle. Collision coverage will protect you if your vehicle is damaged by an accident with someone else, no matter who is at fault for the accident. Comprehensive coverage will protect your vehicle if it is damaged by a non-accident cause, or it if is vandalized. Having both these types of coverage will help protect your investment. Medical payment overage will pay for medical expenses if your vehicle is involved in an accident. Another option to consider is storage coverage, which can be useful since these vehicles are meant for recreational use and not full-time use. This can save you money and still provide protection for your vehicle while it is being stored.

Contact ALLConnecticut Insurance, serving West Hartford, CT, to get a quote on recreational insurance to protect your vehicles.

What Does Umbrella Insurance Cover?

Umbrella insurance can add extra coverage options to your insurance package. In West Hartford, CT, umbrella insurance can take the form of various types of additional coverage options. You should consider umbrella coverage from ALLConnecticut Insurance if your current insurance doesn’t cover everything you need.

How Umbrella Insurance Works with Your Regular Insurance

Basic insurance coverage often lacks a number of protections. You may not notice what’s missing until you’re in a situation where you need the extra help. Generally, umbrella insurance helps to extend your coverage limits.

For example, an umbrella policy with additional liability coverage will kick in if you’re in a situation where your normal liability coverage reaches its policy limit. This extra coverage is important since many car accidents can easily hit large damage amounts. The added coverage will protect you from a personal liability lawsuit.

What Types of Umbrella Insurance Coverage Options Exist

Umbrella coverage isn’t just a single thing. It can consist of several options. Some of the more common umbrella insurance policies can include:

  • Personal injury protection
  • Property damage protection
  • Personal liability protection

Your insurance may already cover these things, but umbrella insurance extends them.

Also, umbrella coverage isn’t limited to just these particular extensions. Some umbrella options can cover things your normal insurance doesn’t cover at all. Umbrella insurance can consist of several packages and some very specific options for unique situations.

How to Choose the Right Umbrella Insurance Coverage

Having a good understanding of your insurance needs in West Hartford, CT will put you in a good position to choose the proper umbrella insurance options. Extra insurance is always beneficial. Figuring out how much extra to comfortably add requires the help of a professional insurance service.

At ALLConnecticut Insurance, we offer umbrella insurance and other coverage options to fit your unique needs. To learn more about umbrella insurance, contact us today.

Do I Need Insurance If My Recreational Vehicle Is Parked Or In Storage?

Most West Hartford, CT recreational vehicle owners understand the need for insurance to cover events that may occur while operating their vehicle during travel and vacations. Accidents, natural events such as fire or theft, and liability all seem like perfect reasons to have coverage when you and your family are on the road. But, what about when your recreational vehicle (RV) is in storage? Do you still need insurance then? 

RV Storage 

RV storage is increasingly popular in recent years, mostly due to the fact that many cities and homeowners associations have restrictions on what types of vehicles property owners can park on their property, as well as the fact that in many areas there’s very little available parking for recreational vehicles. With an RV storage option, you can often protect yourself against fire, storm damage, or theft, while cutting your premiums during the time your RV is not in use. Look for an ALLConnecticut Insurance policy that suspends collision and liability coverage, but keeps comprehensive coverage, and you can save significantly as long as your RV is stored.  

What If My RV Is Parked, But I Live In It? 

Depending on where you live in CT, you may have zoning that allows full-time living in recreational vehicles. Even if you are not hitting the highway, you still need protection! Look for a specialty “Full-Timers” RV coverage package designed especially for those who live in their RVs. They generally provide coverage similar a homeowners policy but are specifically designed by RV experts to meet your unique live-in needs. 

Leased or Financed Vehicles 

If you are purchasing a new or used RV that is leased or financed, you may not have a choice concerning insurance coverage. You are most likely to be required to carry insurance that protects you and your lender from risks of damage to the vehicle even if it is not being driven. Once your RV financing has been paid off, you may be able to lower your insurance premiums. 
 

Do Seasonal Toys Need Year-Round Coverage?

How is West Hartford, CT, different from Florida? For starters, you experience real seasons up north. That means that some of your favorite toys might regularly see multi-month spans of disuse. Those are the times that have you wondering if you really need to keep them insured throughout the year. That’s a great question, so let the experience of AllConnecticut Insurance shed some light on the situation.

How Off Is the Off Season?

There are plenty of instances where seasonal coverage will save you money on your annual premiums, but you need to be sure that the off season is reliably filled with down time. Here’s the question: how often are you tempted to take the boat out during the cold months? If the answer isn’t a resounding zero, then seasonal coverage might not be your best option. Conversely, there are situations where the off season is reliable. You aren’t going to be taking the snowmobile for a spin in the middle of the summer, right?

The other simple consideration for seasonal coverage is how long the off season actually lasts. Since these things usually revolve around weather, you want to have some wiggle room in your policy to extend coverage for an abnormally long cold or hot session.

Does it Go in Storage?

This is another important consideration. If your boat stays on a dock all winter but is still exposed to the elements, you don’t want to completely kill your storage. The same can be said for a toy that sits outside under a tarp. There are still elements of risk there. If your toy has a clear off season but doesn’t get put in protective custody, there’s a third option to try and save a little money.

Most people overlook it, but many toy policies include room for you to toggle your deductible. A higher deductible in the off season can lower your overall premiums without leaving you completely uninsured against the unthinkable.

In the end, your toy coverage necessities boil down to personal preference and lifestyle choices. That’s why your best bet is to go ahead and have a nice conversation with your AllConnecticut Insurance representative. They’ll help you plan around all of the West Hartford, CT, seasons to get a good deal.

 

Should You Get RV Insurance Before A Trip?

Residents of West Hartford, CT love going camping and taking off on trips with an RV. At ALLConnecticut Insurance, we find that getting a policy before a trip is usually a wise decision. That’s because it can help to protect your investment, even in situations where a policy is not mandatory.

RV Insurance is Often Optional

While RV insurance is usually a good choice, it is often optional. For example, people who own their motorhome without any financing are not required to get insurance. However, motorhomes that are being financed usually require policies because the lender will make it part of your loan deal. That said, towable vehicles, such as pop-up and fifth wheels, usually don’t require insurance to own and use. That said, just because a policy is not mandatory doesn’t mean it isn’t a good idea to have one, particularly if you are going on a trip.

Policies Are Wise if You Are Traveling

Even if RV insurance isn’t required in your instance, it is still a good idea to get it before going on a trip. Imagine driving your motorhome up a mountain and suffering from brake failure. The damage you cause before you finally stop could be catastrophic. And without liability or collision coverage, you are going to be left in a strange area with a huge repair bill and potential lawsuits on your hands. These situations could be easily handled with liability and collision insurance but not so much if you don’t have these policies to protect you. 

Let Us Know if You Need Help

Residents of West Hartford, CT who plan on going on a trip with their RV should contact us at ALLConnecticut Insurance to learn more about their policy options. We can help you sort through the confusion and get the right coverage for your trip and your travel needs.

What To Do if You Have a Boat Accident

Nobody wants to think about having a boat accident; however, knowing what to say and do if you happen to have one is an important consideration for all boat owners. There are certain steps to take in case there are people injured or killed. There are things to do to help those in need. There are things not to do and things that should not be said. This is a helpful guide from the agents at ALLConnecticut Insurance, serving West Hartford, CT and the surrounding area.

Safety First

After a boat accident, if you are still onboard and the boat is afloat, determine if anyone is injured and needs medical assistance. At the same time, evaluate the safety of remaining on the boat. Stay calm and do not panic. Focus on making good decisions and taking the appropriate actions depending on what is happening.

In some boat accidents, the fuel explodes into flames. If there is any risk of this occurring or if the boat is already on fire, help everyone out of the boat and get into the water. Move as far away from the burning boat as possible.

If the boat is sinking, make sure everyone has a floatation device and get into the water. Move away from the boat to avoid the boat pulling you down under water from the vacuum caused by its sinking.

If there is no risk of the boat sinking, or from fire, or explosion, do the opposite and stay on the boat. Help anyone that fell overboard to get back into the boat. Help the injured by giving first aid. Use any available communication system to send a “May Day” distress call for help to the Coast Guard.

Gather Information

Once you are sure everyone is OK and out of danger, gather information about the accident, such as the contact information for everyone involved including the boat owners, passengers, witnesses, and insurance companies/policy numbers (if available) for the involved parties. Take photographs of the scene and the damage.

Report the Accident

Federal law requires the boat accident to be reported if anyone is injured enough to need medical care or killed. Moreover, if the damage exceeds $2,000 a report must be filed with the U.S. Coast Guard. Do not admit the accident was your fault or say you are sorry about it to anyone.

Contact Your Insurance Agent and an Attorney

As soon as possible contact your insurance agent to inform them of the accident. It is also usually a good idea to contact an attorney that specializes in boat accidents regardless of who is at fault for causing the accident.

For peace of mind, ask your agent at ALLConnecticut Insurance in West Hartford, CT to review your boat insurance to make sure the coverage is adequate.

If Your RV Air Fails, Will Insurance Help?

Residents of West Hartford, CT have many fun places to take their RV camping. However, a failing air conditioner is always an issue because it can make it impossible to enjoy your camping experience. If you are worried about whether or not your policy will pay for repairs, contact us at ALLConnecticut Insurance to learn more.

Appliance Coverage Is Typical In RV Insurance

When you buy RV insurance, you are typically not only insuring the vehicle but the appliances inside. That’s because these vehicles are unique because they allow you to live in them either temporarily or permanently. Therefore, they are also considered a home unit.

So items such as the refrigerator, television, plumbing systems, and your air conditioner can be covered. It all depends on the scope of your policy and how you set it up with your insurance provider. As a result, it is critical to know when your policy may fail you.

When Your Policy May Not Cover Air Conditioner Repair

If you did anything to cause damage to your unit, such as faulty personal repairs, you may void your coverage on your air conditioner. That’s because insurance companies won’t cover damage that you directly caused through incompetence or malice.

However, they will often cover issues that occur when somebody else performs poor repairs. That’s because you hired them in good faith and they failed to provide you with high-quality service. Talk to your provider about this issue to learn more about how it affects you.

Getting The RV Insurance You Need

Make sure that you talk to us at ALLConnecticut Insurance if you own an RV with an air conditioner. We can help West Hartford, CT residents get the coverage they need for their recreational vehicles and avoid the kinds of common issues that make air conditioners fail.