Commercial Insurance
It Is important to protect your business if you own one. If you own a business in the state of Connecticut, we can help you obtain the coverage you need here at CT Insurance Advisors. Commercial insurance will help protect both your business, your business property, and your employees. We can walk you through the coverage options you may need depending on your own unique situation.
Commercial Insurance Requirements
Commercial insurance is not required for businesses in the state of Connecticut. However, if you own a commercial vehicle, you will be required to obtain commercial auto insurance. If an accident were to occur, commercial auto insurance will cover you for car rentals, towing expenses, employee medical bills, and property damage.
Additionally, Connecticut requires all businesses that have one or more employees, whether full-time or part-time, to obtain workers’ compensation insurance.
Commercial Insurance Coverage
You can obtain the following coverage options to keep your business protected:
- Professional liability insurance- This is also known as errors or omissions insurance and can protect your business and cover claims related to misrepresentation, negligence, and inaccurate advice.
- Business liability insurance- This is also known as general liability insurance and can protect your business against claims from personal injury, advertising errors, and property damage.
- Business owner’s policy- There are many things that are covered under this policy including property damage, medical costs, reputational harm, and product liability.
- Flood insurance- This will protect you if a flood causes damage to your property, equipment, or inventory. If you are located in an area with hurricanes, heavy rainfall, or frequent snow melting, this coverage is recommended.
Quotes
To obtain a quote for commercial insurance, please contact CT Insurance Advisors today. We serve all businesses that are located in Connecticut.
