What is the difference between general liability and professional liability?

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Commercial insurance protects your business against risk, and most businesses need several kinds of insurance to make sure they have the level of protection they need. Many people ask what the difference is between a general liability policy and a professional liability policy, and if they need both.

The agents at ALLConnecticut Insurance help the business owners in West Hartford, CT to find the insurance policies that best suit the needs of their individual businesses. They can answer any questions you have, and help you compare the various policies available to you.

General Liability Insurance

When you purchase a general liability policy, you are protecting your business against a wide array of risks. Your policy doesn’t just protect your business, your property and your employees; it also protects those who come into contact with your business, such as visitors and those who purchase your products.

Your policy will cover, up to its limits, both personal injury and property damage claims. It will even cover the legal fees and costs you may incur if there is a lawsuit or settlement over one of the claims.

Professional Liability

Professionals are held to a higher standard because they are expected to have specialized knowledge or skills. Many professionals are even regulated by the state and are not allowed to operate without a special license or certification. If they make mistakes or fail to live up to the high standards expected of them, they can be sued for professional negligence.

A professional liability policy protects your business against those risks if you are a professional. Like the general liability policy, it will also cover any expenses related to potential litigation. Call or contact ALLConnecticut Insurance if you are in West Hartford, CT and want to explore the best protection for your business.

Does Boat Insurance Cover Retrieval Costs After A Sinking?

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At ALLConnecticut Insurance, we have seen too many of our customers fail to understand proper boating insurance. As a result, their boat sank and they were unable to get it out of the water. Thankfully, West Hartford, CT residents can get coverage that avoids this situation.

Salvage May Be Covered

When a boat sinks for whatever reason, many boat policies will help to pay for salvaging and removing the boat from the water. Some may even help to fix it up and get it back to normal. However, some policies may limit what they pay for salvage, covering only 25-50 percent. It all depends on your state and the type of policy that you purchase.

Even Wreck Removal Can Be Covered

In severe weather instances, such as hurricanes, fire, and explosions, your insurance company will often cover some of the cost of removal. However, some basic policies may only cover up to 10 percent of the value of the boat and leave you to cover the rest of the cost. However, more generous policies can help make it easier for you to remove your boat after a serious wreck.

When A Policy Will Fail To Pay

If your insurance company believes that consequential damage caused your boat to sink, there is a chance that they may not pay any of your retrieval costs. This occurs if they believe that the boat sank due to normal wear and tear. Thankfully, it is possible to purchase an extra type of coverage known as “consequential damage” that will help get your boat out of the water after it sinks.

Staying Afloat With Boating Insurance

Call us at ALLConnecticut Insurance if your West Hartford, CT boat needs high-quality boating insurance. We will take the steps necessary to protect your boat and keep it from dangerous sinking situations.

Insuring your property while moving

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Moving is stressful, even if it is also exciting. In some ways moving a few blocks away can be even more stressful than moving across the country. While moving you need to protect your property as there is a good bit of exposure during this process.  While the property may be in your auto, it may be your home insurance that actually covers your property.

It is a good idea to call the professionals at All Connecticut Insurance in West Hartford, CT to make sure you are covered. Generally, your property is covered under a homeowners policy, but you may need a special policy. Some moving companies have insurance, but there may be some things you are moving, and for those items, you need to make sure it is covered by your insurance agent.

For instance, if you have your camera in your car while you are moving, and it gets stolen along the way, it could be covered under your homeowner’s policy. It is best to make sure before you start the move just to be sure.

A move that is only a few blocks, or across town, maybe one that you make yourself. This is a good idea but it will expose your property even more to possible damage or theft.

Contact the professionals at All Connecticut Insurance in West Hartford, CT, to make sure you have the coverage you need.  Existing clients should contact us before making a move to update your policy New customers might consider making sure they are covered by adding the property coverage to their home insurance policy.  Just ask your agent if you are covered, and find out if a rider or extra agreement is required so you can take a little stress out of making a move.

What Factors Should I Consider When Getting Auto Insurance?

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Buying a new or used car is always a big purchase and investment. Next to their home, a car is the biggest asset that many people will ever own.  Since owning a car is such a big investment, making sure that it is properly covered by insurance is very important.  For those that are in the West Hartford, CT area, there are several factors that should be taken into consideration when shopping for a new auto insurance policy. 

Minimum Requirements by Law

One of the most important factors to consider when you are looking for an auto insurance policy is what the minimum requirements are.  Similar to other states, Connecticut requires that you carry a certain level of liability insurance.  In the state, you will be required to carry a liability policy with minimum limits of at least $25,000 per accident and property damage plus bodily injury coverage of $25,000 per person with a $50,000 limit per accident. 

Additional Coverage Needs

While you will want to stay in compliance with the law, the liability minimums are often not enough to cover your liability risks.  In many cases, it would be wise to get a policy with higher limits.  Another factor to consider is whether you should get collision and comprehensive insurance.  Collision insurance will provide you with coverage to repair your vehicle if you are at fault in an accident or if the other party is not insured. 

Comprehensive coverage will provide you with coverage in the event your car is stolen, vandalized, or damaged by a storm.  In many cases, an auto lender will require you to carry both collision and comprehensive coverage. 

For those that are in the West Hartford, CT area, working with AllConnecticut Insurance could be a great option.  AllConnecticut Insurance can help you get into a great policy that meets your needs.   

3 Things to Do to Get Ready for Spring RV Season

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The winter has been one of the harshest on record, but it only has a few months left. This means that is almost time to pull the covers off of that RV and get it back out on the road. ALLConnecticut Insurance, serving West Hartford, CT, has a few tips to get you on your way for your spring voyages.

1. Check All Of The Lines

Just because the temperatures have improved, doesn’t mean that there is potential for frozen lines inside the RV. This could include the water and plumbing lines, the fuel lines and other key systems. Rubber parts can also become cracked during the winter. Make sure everything is in working order by taking it to a licensed repair shop or the dealership. 

2. Tires

Tires can become damaged from non-use, so if it has been awhile since you have moved the RV, make sure the tires aren’t rotting. Like rubber hosing, the cold conditions can also cause cracking, so make sure all of your tires are ready to go. Like the lines, these can be checked at a qualified dealer or repair shop. 

3. Insurance

Making sure your insurance is up to date is one of the most important things you can do. Rates could have changed since the last time you purchased a policy, and you might be able to save some money. 

Why not give us a call or contact us here at ALLConnecticut Insurance today. We serve the Hartford, CT area and would love to help you get the right insurance solution for your RV. Let one of our qualified agents guide you through the process to get you the most out of your coverage. 

Why It’s Essential to Insure Your Motorcycles, Jet Skis and Other Toys to Protect Your Investment

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When you purchase a motorcycle, jet ski, RV or another toy, you invest a significant amount of money in your passion. These vehicles have the same insurance requirements as cars and trucks. However, the state requirements do not cover damage or loss of your vehicle for a variety of incidences. Contact your ALLConnecticut Insurance representative for more information on how to protect your toys in West Hartford, CT.

Types of Coverage for Your Toys

You can get the same kind of coverage for your toys as you can for your car or truck. Look into your options for liability and personal injury as well as comprehensive and other options.

Liability insurance covers you in case someone else is hurt or suffers property damage due to an accident you caused while you were operating the vehicle. Collision insurance covers damage to your watercraft, RV, motorcycle or other unconventional vehicles when an accident was caused by someone else. With toy insurance, you can tailor the policy to fit your budget and to cover the cost to replace your vehicle.

Non-accident Events

Comprehensive coverage on your vehicle, such as a personal watercraft, will cover damage that doesn’t involve an accident with another vehicle. What’s covered depends on the type of policy you choose. It can include vandalism, theft and other types of accidents that result in damage. This is one of the best ways that you can protect your investment in expensive toys without worrying so much that you can’t enjoy them.

Towing

You can choose coverage with towing services for your RV, or on-water towing and labor for your watercraft. This can save a lot of money for expensive repairs or long-distance tows for oversized vehicles.

Contact ALLConnecticut Insurance in West Hartford, CT today for more information on how to protect your toys and how to fulfill your other insurance needs.

When You Need Commercial Insurance

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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!