When You Need Commercial Insurance

Posted on by AgentInsure

When you own a small business, it is extremely important to ensure that it is properly covered by insurance. For those that are in the West Hartford, CT area, having commercial insurance would be very beneficial. There are several situations in which you will need to have this type of insurance coverage.

Own Property

The first situation that you will need commercial insurance is if you own a commercial property. If you only commercial property, the property insurance component of the commercial insurance policy will provide you with coverage in the event that the property is damaged by a storm, fire, or other calamity.  This can also provide coverage for all contents under the roof, including major equipment.  

When You Have Employees

Another situation in which you will need to have commercial insurance is when you have employees. In the state of Connecticut, all companies that have any employees will be required to carry workers compensation insurance as a part of a general commercial insurance policy. This type of insurance will provide coverage in the event an employee is injured while they are at your place of business.

When You Sell a Product or Service

If you produce a product or service, it would also be a good idea to have Commercial Insurance. Anytime you sell a product, you will be taking on some level of risk that someone could be injured by it. This could open you up to a significant amount of liability. When you have a commercial insurance policy, liability insurance will be a significant part of it and will provide you with coverage in the event you are sued and found liable for an injury. 

For businesses in the West Hartford, CT area, finding the right commercial insurance policy can seem complicated. By working with AllConnecticut Insurance, you can receive the insurance service that you need. AllConnecticut insurance will be able to help you build a policy that provides you with the coverage that you need.  

 

 

Why The Right Boat Insurance Is So Important

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Consider your relationship with your boat to be as personal as your relationship with your car. Unlike cars, not all states in the US require that you have insurance coverage for your boat. But how can you enjoy the high seas without worrying about boat insurance in West Hartford, CT? To ensure you get the most from your investment, water safety is key. The best way to achieve this is by having an insurance policy to cover all your water vehicles.

Having watercraft insurance from ALLConnecticut Insurance can make a tremendous difference. As a matter of fact, concerns and stresses should be kept at bay when cruising the open waters. All you should worry about is the wind blowing through your hair, nothing more. With the right insurance agent at your side, you can have the right insurance policy for your jet skis, boats, and other watercraft items.

Here are a few reasons why you need the right boat insurance in West Hartford, CT.

Safety concerns

You may be thinking your boat doesn’t cost so much money and so, obtaining insurance may not be necessary. But have you thought about accidents and mishaps? What if your boat damages someone else’s boat? The insurance will definitely help to protect you even when your boat may not worth that much.

Designed specifically for you

In a bid to help you get the right protection you deserve, your boat insurance will be tailored to suit your specific needs. Why pay for a policy that isn’t important. Ensure to talk to your ALLConnecticut Insurance agent to help you choose the right coverage for you.

Legal protection

As a matter of fact, personal injury claims or damage claims can be financially crippling especially when you are not covered. Interestingly, the little amount you pay for insurance can be beneficial in protecting you against these claims and even save you from going bankrupt.

 

Importance of Buying Home Insurance

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When homeowner insurance comes to your mind, you probably have some advantage in mind. Homeowners insurance is not mandatory in most states, but it can be termed as a necessity. It is an aspect that homeowners should not ignore. ALLConnecticut Insurance offers individuals who wish to purchase home insurance in West Hartford, CT with great coverage which comes with the following primary benefits.

Protection of investment

The most significant advantage of home insurance coverage is that you will never have to worry about any misfortunes happening to your home and not being in a position to fix it. Although home insurance does not cater for all incidences, it makes a big difference in the protection of your home which is a form of investment.

Backs up the level of stress you have to deal with

You will feel much better having in mind that you have a top-notch home insurance. This way you are assured that you are protected from all types of damage expense. With comprehensive coverage, you will be protected from incidences such as theft, storm, smoke and fire, vandalism and other hazards.

Protecting your visitors

Once a visitor steps on your compound, you are held liable for anything that happens to them. If one slips and falls while at your home, you will be responsible for medical bills if the individual is injured, you may also be required to pay the legal fee if the wounded decides to sue you.

Assists in temporary living expenses

In an event where your home is going through a renovation, and it is inhabitable, you will need to look for a place to spend some time. Home insurance pays for accommodation expenses plus other costs like hotel and food fees.

Having a home insurance ensures that you are prepared for whatever disaster you may face in your home. Ensure to be aware of the type of coverage you want for your home protection depending on your specific needs. At ALLConnecticut Insurance, we can assist you to decide on which policy to buy and help you learn more about home insurance. If you are in West Hartford, CT seeking to purchase home insurance, do not hesitate to turn to us for assistance.

How Your Teen Learning to Drive Will Affect Your Auto Insurance

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If you are a West Hartford, CT resident with a son or daughter who is learning how to drive, you should consider how adding someone new to your auto insurance plan will affect your rates and coverage. Below, we will discuss this matter in depth so that you can plan ahead for when your child finally reaches legal driving age.

Insurance Rates and Teens

To start with, yes, your insurance rates will likely change when add your teenage son or daughter to your plan. Insurance companies base their rates on how likely drivers are to get into an accident statistically. Teenage drivers don’t have a lot of experience, so they are statistically more likely to get into an accident.

Knowing that your rates will go up shouldn’t completely depress you, however. There are steps you and your teen can take to lower these rates. For example, there are usually discounts available if your teenage son or daughter completes a certified driving course, and there are even discounts available if your student gets good grades in school.

Finally, you can outfit your vehicle with what is called a telematics device. This measures how well the driver is doing driving the car, and if you receive good rates or if your teen receives good rates, this can lower your overall insurance costs.

Contact ALLConnecticut Insurance Today

If you are a West Hartford, CT resident, ALLConnecticut Insurance can help you find a comprehensive auto insurance plan for you and your family or discuss your current policy and how it will change when you add your new driver to the plan. Call us today, or feel free to stop in to our nearest location to speak with an agent directly. We look forward to working with you!

Prepping Your Summer Toys for Winter Storage

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West Hartford, CT is a great place for the outdoor enthusiast. Residents can use a variety of motorized toys to enjoy their natural surroundings, regardless of the season. As summer comes to an end, make plans to move your jet skis, boats, and ATVs into storage to keep them safe over the winter season.

Clean Your Equipment

  • Mold, mildew, and other nasty microbiota can ruin fabric and corrode engine parts. Clean your motorized toy inside and out to protect it from damage-causing germs.
  • Power wash your motorized toy. RVs and boats need special attention on the outside. Animal excrement and environmental toxins will slowly eat away your finish over the long months in storage.
  • Use a degreaser to clean plastic and vinyl coverings. You may want to treat leather interior with a conditioner to keep it moist through the cold.
  • Clean any carpets, rugs, and curtains. Throw them in a gentle wash cycle with vinegar and baking soda to remove odors, stains, and germs.
  • Wash the inside walls of boats, RVs, and other enclosed toys. Let them dry completely before storing. You may need a wet-dry vacuum to get all the water.
  • Empty all cabinets, cupboards, and storage spaces. Remove all food items, even those you think will stay fresh. These can attract bugs and other vermin looking for a convenient meal.

Paperwork

  • Inventory all of the equipment you plan to store with your vehicle. Print the list and keep it in a safe place. These are helpful if a theft occurs during the storage period.
  • Call your insurance agent. Some policies can be suspended while your motorized toy is in storage. The experts at ALLConnecticut Insurance can help you decide what coverage you may need during the storage period.
  • Select a storage facility. An enclosed, locked space will protect your toys from weather and theft. They may also lower your insurance premiums. If you are renting a space, choose one that is close enough to visit periodically.

Whether you’re looking to protect your home, business, automobile, or family’s future, ALLConnecticut Insurance can help. We proudly serve the insurance needs of residents in the West Hartford, CT areas. Contact us to learn more about insurance for your motorized seasonal toys.

3 Ways to Take Care of Your RV

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If you own an RV, then you know how much time it takes to take care of it properly. RVs are great recreational vehicles to have, but they do require a lot of time and attention. Let’s take a quick look at three ways you can take care of your RV. 

1) Get the oil changed regularly

Just like cars, trucks, and SUVs, RVs need their oil changed regularly. Most manufacturers of RVs suggest oil changes once every 3,000 to 5,000 miles. To determine the manufacturer preference for the specific type of RV that you own, look in your owner’s manual. 

2) Check the batteries

Before you head out on the road with your RV, you need to make sure any and all batteries are charged. Also, keep in mind that deep cycle batteries have a battery life of only about three to five years, meaning they need to be replaced after this time period has elapsed. More so, remember to take the battery out of the RV during the winter and store it somewhere warm; this expands its lifespan and helps to ensure the warranty on the battery does not become void. 

Check the roof seals

Along with checking the roof seals every six months, you should also check the seams. You don’t want any water damage to occur because if it does, it can cost thousands of dollars to repair. Fortunately, if you check the roof seals and seams regularly, you can avoid water damage from occurring. 

If you would like more information relating to tips for taking care of your RV, please contact ALLConnecticut Insurance serving the West Hartford, CT area. 
 

 

A Quick Guide to Covering All of Your Toys

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In case you aren’t familiar with the term, toy insurance is coverage for recreational vehicles and similar devices that are not primary modes of transportation. The term can refer to motorcycles, boats, RVs, ATV and even snowmobiles. Basically, it’s insurance for those things we long to have, and when we finally acquire them, it is like a dream come true. AllConnecticut Insurance can make sure your toys are protected, so here are the basics for getting toy insurance in West Hartford, CT.

State Requirements

This is the beginning of any honest conversation about insurance. Every state has different requirements, and they change over time. In Connecticut, anything that is intended to drive on roads requires a minimum coverage for bodily injuries and property damage. Seafaring equipment has its own set of rules. The total range of necessities is a bit expansive for a quick guide, so your best bet is to discuss all of your toys and their legal insurance mandates with your representative.

Personal Liability

This is a particular insurance for toys. In general, these are powerful vehicles and devices that lend themselves to more dangerous activities. After all, that is often part of the thrill. Also important is the impression your toys make in a civil court. You don’t actually have to be wealthy to own an ATV, an RV or even a boat. Still, having expensive toys will create an image of wealth, and a jury of your peers may be more inclined to award larger penalties in a legal case. If your toys are going to come in contact with other human beings, you need to consider liability coverage. It is often available for minimal increases to your premium.

Total Coverage

The only other major concern for your toys is protecting them from disaster. These are things we usually save for years to purchase, and we get attached quickly. You want to be sure that you can repair or replace the vehicle of your favorite pastime if the worst should happen. Protection from accidents is a good start, but don’t overlook the threats of weather and theft. You might be surprised how much a full commitment to peace of mind can help you enjoy the time with your toy to its fullest.

The basics will get you started, but insurance can become a complicated topic very quickly. Consider chatting with an AllConnecticut Insurance agent about the options available in West Hartford, CT.

 

Does A Touring Band Need Commercial Insurance?

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West Hartford, CT is a major hot spot for a variety of bands. If you are in a band and need high-quality insurance, it is important to understand your options. Whether you play in one area or tour, there are several ways that we at ALLConnecticut Insurance can help protect your music band from serious financial loss.

Performing Bands Have Unique Coverage Options

Bands that perform in one town or a specific venue (such as a casino) can purchase some band insurance to protect their investment. This type of insurance will protect their instruments from destruction, provide them with general liability coverage, and even manage certain types of vehicle damage. Qualifying for this type of coverage, though, can often be hard.

Schools Are Often Not Covered

One surprising limitation on this kind of commercial insurance is school-based programs. Just about every type of band-specific insurance policy excludes accredited or sponsored programs. The reasons for this can be somewhat mysterious, but it is important for these bands to remember. As a result, they may need to get education-based or general liability insurance instead.

Touring Groups May Require Specialized Coverage

Band-specific coverage often does not extend to cover bands who tour to make a living. There are several reasons for that, chief among them the difficulty of covering so much equipment moved so frequently. However, touring bands can purchase commercial general liability insurance to protect them from third-party claims, bodily injury, and property damage. If they decide to focus their band activities in a central and non-changing situation, they can then purchase band-specific insurance policies.

Protecting Your Band

If your West Hartford, CT band wants to avoid having to pay to replace all of their equipment, please contact us at ALLConnecticut Insurance. Our commercial policies can protect you from this danger and provide a simple way to keep your band making money.

What is Home Depreciation?

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When you purchase a home, you know the value of it at that time but did you know that your home can depreciate in value? Home depreciation is what this is called and it happens over time. According to ALLConnecticut Insurance, this is an important component in getting the right insurance quote and ensuring you are not paying too much for your policy in West Hartford, CT.

How Does Depreciation Occur?

Over time, the value of your home will lessen. This happens when things break in your home, things become older, and more. It has less to do with the economy than many might think but that does not mean it does not play a role. If you do not repair or replace things that break, then the value of the home overall will lessen but even as thing age, your home value will go down. There is not much you can do about that unless you make repairs and renovations inside your home.

How to Determine Value

It is difficult to determine any depreciation or the new value of your home unless you have someone come out and take a look at it. However, you do not want to have someone come out to determine value if you are doing so just to lower your insurance premium because you could get yourself in a hole with repair value. You should have an assessor or appraiser from your insurance company come out so they can make sure you get the right amount of coverage based on value. 

Now that you understand how important home depreciation is, you can have an assessor come out to your property to take a look. For more information about home depreciation or to schedule an assessor, be sure to reach out to ALLConnecticut Insurance serving West Hartford, CT.

3 Overlooked Reasons to Purchase Auto Insurance

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No matter where you live in the country, is you’re a motorist, odds are, you have some sort of car insurance coverage. However, outside of being mandated, many of us fail to see the numerous benefits of purchasing an auto insurance policy. That said, the following is a closer look at three of the most often overlooked benefits of purchasing an auto insurance policy. 

Save Time

Until you’re involved in an accident, it is easy to forget how time consuming such an ordeal can be. However, by purchasing a high-quality auto insurance policy, worrying about rentals, finding car shops, contacting the other person’s insurance company, and many other tasks, will be a thing of the past. Auto insurance allows you to get on with your life as quickly as possible. 

Health Insurance Supplementation

Moreover, with the present state of healthcare in America, being under insured is a concern of many. However, in the event that you are injured behind the wheel, your auto insurance may cover health care costs caused by the accident. It all depends on the package you choose.

Lawsuit Protection

Lastly, although most do not consider how costly lawsuits can be until they are faced with one, purchasing an auto insurance policy is an excellent way to ensure you are not blind sighted with a costly lawsuit. On the flip side, being involved in an accident without proper insurance could cost you thousands or even millions of dollars and could even land you in jail. 

Overall, for those living in West Hartford, CT, ALLConnecticut Insurance is here to serve you. Offering competitive rates, friendly customer service, customized packages, and much more, contact us here at ALLConnecticut Insurance and find out why we’re one of the best kept secrets in West Hartford, CT.