Why Connecticut Business Owners Should Add Cyber Coverage To Their Commercial Insurance Policies

Posted on by AgentInsure

ALLConnecticut Insurance offers insurance policies to the West Hartford, CT community. We strive to help our clients find the coverage they need to protect what matters most. Our foundation was built on providing excellent customer service.

Why You Need To Add Cyber Coverage To Your Commercial Insurance Policy

Thriving businesses are the backbone of the West Hartford, CT community. As a small business owner, commercial insurance can help you keep your investment on the right track. The policy covers any damage to your businesses’ physical property, as well as your inventory. You are also covered if your inventory is stolen. Liability coverage protects you if one of your customers suffers an injury on your property or through trying one of your products. In today’s current technological landscape, hackers pose more of a threat than ever before. That’s why you should consider adding cyber insurance coverage to your commercial insurance policy.

Like most modern businesses, you probably use computers to help manage electronic data. If your system suffers a breach that could be damaging to your entire business, your customers and employees could potentially be impacted. Cyber insurance coverage protects your business against the threat of a cyberattack. The policy covers your business if you have to replace or restore your system due to a virus.

You are also covered if you have to cease operations for a period of time while your program is being rebuilt. Cyber coverage also protects your business if one of your customers pursues litigation against you for their information being compromised in the cyberattack.

ALLConnecticut Insurance Will Help You Take Care Of What Matters Most

Visit our website today to learn more information about commercial insurance.

What Airbnb Hosts Should Know About Home Insurance

Posted on by AgentInsure

The most important thing that you need to know if you are an Airbnb host in West Hartford, CT: Talk to your insurer before you do anything.

Different providers will have different rules for homeowners using their home for temporary rentals, different policies will have different guidelines. You won’t know what you are and are not allowed to do until you talk with your insurer.

Most insurers will have some limited protection for you if you rent your home out to temporary guests. But some may have no protection at all, or may even drop your coverage if they find out that you have been renting the home out without letting them know. So make sure that you call your insurer and let them know what you’re doing, and they’ll tell you how to proceed from there.

Is Airbnb’s Host Guarantee Enough Protection?

If you rent your place out through Airbnb, they do provide their own "Host Guarantee." This provides up to $1,000,000 for losses suffered by the host as a result of renting the place out. They also offer Host Protection Insurance, covering up to $1,000,000 in liability damages.

These policies are mostly there to protect their own business by proxy. If guests are getting hurt in hosts’ homes and Airbnb isn’t doing anything about it, then AirBnB loses stock.

These protections can be a big help, but they’re no substitute for conventional home insurance, even if you use your home exclusively as a rental property.

If you want to make sure that your West Hartford, CT home is covered, get in touch with Connecticut Insurance and let them know that you will be using your home as a rental property. ALLConnecticut Insurance can get you covered no matter your needs.

Required Auto Insurance in Connecticut

Posted on by AgentInsure

In Connecticut, as in other states, the state mandates how much auto insurance you have to have. These are required minimums only, however, and many people choose to increase the amount of coverage they have so that it is more in line with what medical bills and property damage actually cost after an accident. If you need auto insurance, call us at ALLConnecticut Insurance in West Hartford, CT to find out more.

Liability Coverage

When you have an accident that is your fault, there are many expenses that you may be liable for. This is where liability coverage comes in. The state of Connecticut requires three different amounts of coverage to keep your vehicle legally insured. There is one specific amount for one person’s bodily injury from an accident and another, higher specific amount for everyone who was injured in an accident. There is also a specific amount set for the property damage liability from an accident. 

Uninsured Motorists

If you were to have an accident with someone who is uninsured, or with someone who has insurance but not enough of it, this type of required insurance coverage can help you. It pays for bodily injury when the accident is the fault of someone who is uninsured or underinsured. This coverage comes with a set minimum amount for one person’s bodily injury, and a larger amount is set for all of the bodily injury from the accident. 

Talk to an Insurance Agent

If you need auto insurance, or you want to increase your coverage, call us at ALLConnecticut Insurance in West Hartford, CT to make an appointment to talk to an agent about the auto coverage you need. 

What Is Recreational Insurance in West Hartford, CT?

Posted on by AgentInsure

If you live in the city of West Hartford, CT and are interested in learning more about recreational insurance, you might want to think about what an agency such as ALLConnecticut Insurance would be able to offer to you.

If you have a recreational vehicle, it makes sense that you would want to purchase coverage to protect your investment. You should be aware of all of the factors that will affect your recreational insurance, and you should definitely find out the best possible coverages for your situation, as well as the applicable limits.

Many people may not be aware of why they would need recreational insurance. However, the truth is that RVs can be somewhat risky on the road. Simply because of their large size, even backing one up can be a risk. Connecticut is a state where there is often inclement weather, especially in the winter, which complicates matters even more, as it makes accidents more likely. However, this does not mean that you should shy away from getting an RV or driving one if you have it. It simply means that you should be careful and make sure that you have the appropriate recreational insurance for your vehicle. This way, you will be able to enjoy it without fear of an accident that you will not be able to pay for.

Anyone who is interested in learning about or purchasing recreational insurance in West Hartford, CT should contact the professionals at ALLConnecticut Insurance and see what they can do for you. They can answer any questions that you may have and potentially be able to point you in the right direction in terms of what recreational insurance policy will be right for you; you want the best and most affordable policy that you can get that will provide you with protection on the road.

When is it a good idea to get umbrella insurance?

Posted on by AgentInsure

When you are a resident of the West Hartford, CT area, it will always be beneficial to spend time thinking about your personal insurance needs. One type of insurance coverage that people here need to consider getting is umbrella coverage. When you choose an umbrella insurance plan, it will offer you personal liability protection. There are many scenarios when having this coverage is a good idea for someone.

When Wanting Protection for Significant Risks

A lot of people will have liability coverage in their home and auto plan. These will give you liability protection up to the policy limit. During most accidents, this coverage will be sufficient. However, there will always be a chance that the damages could exceed your coverage level. If this does happen, you will need to make up the difference. An umbrella insurance plan will be helpful in these situations. 

When Wanting More Broad Coverage

You should also consider getting an umbrella insurance plan if you want more broad coverage. There are many unique liability risks out there that may seem unlikely to occur. However, they do happen from time to time. If you do not have a proper insurance plan in place, you may not be covered. Fortunately, umbrella coverage offers broad protection that will cover you in most scenarios. 

As you are looking for an umbrella plan in the West Hartford, CT area, it would be a good idea for you to call ALLConnecticut Insurance. The insurance professionals with ALLConnecticut Insurance understand how complex picking an umbrella plan can be. They can help you greatly by carefully assessing your situation to determine if this protection is right for you. If you do choose to get a plan, they can help you build one to ensure you receive the right coverage. 

Three features to look for in your recreational vehicle insurance policy

Posted on by AgentInsure

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

Posted on by AgentInsure

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. 

Three things you can do to make your vehicle safer out on the roads

Posted on by AgentInsure

The safer your vehicle, the less likely accidents and injuries will be for you out on the roads. Insurance providers sometimes even offer discounts on insurance for those who make investments in their vehicle that increase safety.

At ALLConnecticut Insurance, we provide auto insurance to motorists in West Hartford, CT. The following are three things you can do to make your vehicle safer out on the roads.

Buy a vehicle with a blind spot warning system

Blind spots are one of the most common causes of accidents. Fortunately, blind spot warning systems are available that will let you know if there’s an obstacle in your blind spot.

Many new vehicles these days come with blind spot warning systems standard. Look for this important safety feature when you purchase a vehicle to keep yourself and others safer on the roadways. 

Have a rearview backup camera installed

Rearview backup cameras don’t just keep you safer when you’re backing out of parking spots. They also just give you greater confidence.

It can be hard to see behind you when you’re going in reverse. Fortunately, a rearview backup camera can give you a clear view of the rear of your vehicle when you’re in reverse. You can buy a vehicle with a rearview backup camera or have one installed on a vehicle you’ve already purchased to take advantage of this feature. 

Put a car safety kit in your vehicle

A safety kit that includes items like flares, emergency contact information for tow services, and a first aid kit is a good way to keep you and those in your vehicle safe if you get in an accident or break down. 

We can help you find auto insurance coverage in West Hartford, CT. Let us know if you’re on the market for auto insurance by contacting us at ALLConnecticut Insurance. 

3 Possible Scenarios Where You’d Need Home Insurance in West Hartford, CT

Posted on by AgentInsure

Home insurance is in place to protect you in the event of a disaster, accident, or another unforeseen event. When you have a mortgage, home insurance is required. The bank considers your mortgaged home collateral in case you stop making your loan payments. In order to protect this asset, the bank will not give you a mortgage unless you have home insurance. That’s how important this type of insurance policy is.  At AllConnecticut Insurance, we’ve put together a short guide that illustrates three scenarios where you would need home insurance. Read on to learn more. 

1. Fire

Fire is devastating. It causes a maximum amount of damage in a short period of time. That’s why it is important to have a fire safety plan in place, to practice fire drills, and to have a home insurance policy that covers fire in West Hartford, CT. Talk to a reputable agent to see exactly what is covered under different policies, like the cost of a hotel room while the fire-damaged home is being restored. Even if you own your home outright, you still need homeowner’s insurance in a scenario like this.

2. Theft

A burglary occurs every day in the United States and your property could be next. To prevent this, take some security measures by installing a security system, outdoor lights, and hiring a house sitter while you’re on vacation. If you are still the victim of burglary, your insurance will help recoup the cost of stolen items once your deductible has been paid.

3. Injury

If someone is injured on your property, they could sue you and litigation is expensive. With homeowner’s insurance, however, you, your assets, and your savings are protected if you should face litigation. For added protection, add umbrella insurance.

To learn more about home insurance, contact AllConnecticut Insurance, serving West Hartford, CT, today. 

4 Instances Having Recreational Insurance Benefits You

Posted on by AgentInsure

Are you aware of what recreational insurance is all about? This is a type of coverage that definitely can offer you many benefits. If you need help sorting out how it can help you, you’d do well to contact ALLConnecticut Insurance of the West Hartford, CT area.

It May Be Required in Your State

There are some instances in which you’d need to get recreational insurance in Connecticut. It depends on a few factors, including the type of recreational vehicle you have. This also is likely to be the case if you’re renting or financing your recreational vehicle. The minimum typically is liability insurance.

Coverage for Damages and Injuries

Even if you’re not actually required to have recreational insurance for your vehicle, it protects your financial assets. For instance, if you’re out on your four-wheeler with a friend and they are injured, you’d have to pay out-of-pocket for their medical costs since you’d be liable. Having insurance means that this would be covered, keeping you and your friend from becoming overly stressed about how to pay for their medical bills.

Car and Homeowner’s Insurance Doesn’t Always Cut It

Your vehicle may not be covered by auto or home insurance. You should talk to your insurance agent to determine if this is the case. Even if it is, not all scenarios will be covered. It’s in your best interest to have recreational insurance as this is specific to your needs being an owner of such a vehicle.

Storage Options May Be Available

You should look into if you’d be eligible to suspend certain coverage you won’t need when your vehicle is in storage. This will prevent you from having to cancel it altogether which is tricky since it can still become damaged or you may have a loss of parts or more. You’d also avoid having a coverage gap.

Reach out to ALLConnecticut Insurance with your questions and we’ll do our best to put you at ease. Serving the West Hartford, CT area, we’re proud to help the community with insurance needs.