Notes on
Business Insurance
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How Much Does Electrician Insurance Cost in Connecticut?
What a Connecticut electrician typically pays for general liability, workers’ comp, tools and a work van, what the state requires for an E-1 or E-2 license, and what general contractors will ask…
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Additional Insured, Waiver of Subrogation, Primary and Non-Contributory: The Three COI Requests Explained
Your GC’s contract asks for additional insured status, primary and non-contributory wording and a waiver of subrogation. Here is what each one means, why Connecticut GCs ask for them, and how to…
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Liquor Liability Insurance in Connecticut: What the Dram Shop Act Means for Your Restaurant or Bar
Connecticut’s Dram Shop Act creates real liability for anyone who serves alcohol. Here is what liquor liability insurance covers, how it is priced, and why your general liability policy does not do…
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Insurance for Connecticut Home Improvement Contractor Registration: What the State Requires vs. What Clients Require
Connecticut’s HIC registration requires only $20,000 of general liability and no bond. Here is why that number is a floor, not a plan, and what your clients will actually ask you to…
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What Is a Surety Bond and When Do You Need One in Connecticut?
Surety bonds are required for a surprising number of Connecticut licenses and contracts, and they are not insurance. Here is what they are, who needs one, and what they cost.
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What Does General Liability Insurance Actually Cover for a Small Business?
General liability is the policy everyone asks you to carry. Here is what it actually pays for, what it does not, and what Connecticut small businesses need alongside it.
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Top 5 Insurance Mistakes Small Business Owners Make
The five insurance mistakes we see most often from Connecticut small businesses, what each one costs when it goes wrong, and how to fix it.
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