Starting a business in Connecticut opens the door to risks. You need insurance designed for your industry and business size. We customize plans for more than 20 industries. Pick coverage below to start a quote today.
Essential coverage for your Connecticut business
When you also have at least one employee
* Plus Workers Compensation
All standard plan benefits and:
Whether you’re looking to satisfy Connecticut requirements with workers comp and disability insurance or know insurance is the only way to protect your finances, we’ve got you covered.
A versatile insurance for your business, General Liability offers diverse protection against accidents or negligence claims for which you are held accountable. From physical injury to property damages and even lawsuits, it gives every business owner peace of mind by knowing that they are protected.
Designed to protect business-owned physical assets, including the building and contents, Property Insurance provides coverage against loss from fire, flood or earthquake along with theft and other man-made or natural disasters. It is applicable for every business, and it doesn’t matter whether you have owned or leased assets.
Required by the state of Connecticut, Workers' Compensation insurance is a must if you have one or more employees working under your business. Regardless of employment status, it covers medical expenses, rehabilitation costs and lost wages due to work-related accident or illness. And as the owner, it protects you from legal charges due to negligence.
Another policy required by Connecticut is Commercial Auto insurance. Just like your normal car insurance, it covers liability, collision and medical payments as a result of vehicular accident, only this time it has to be business related activities. Depending on the coverage, it may include protection for the vehicle, the passenger, affected parties and damaged properties.
Regarded as an attractive benefit to employees, Health Insurance offers access to various medical and surgical treatments. Comprehensive health plans typically cover doctor visits, hospitalization, prescription drugs and other healthcare management. Although not required, keeping employees healthy is a noble priority and it helps sustain better work productivity.
Also called Continuation Insurance, Business Interruption insurance protects your business from loss of income due to natural calamities and man-made disasters. It provides coverage for continuing expenses such as payroll and utility bills up until your business is able to resume normal operation.
Unavoidable circumstances and innocent mistakes always happen, and without insurance, your business is not protected from unforeseen challenges and financial breakdowns that might arise.
Aside from the fact that there are policies required in Connecticut, running a business without insurance makes you at risk for paying undesirable expenses, e.g. legal fees and medical damages.
Requirements vary depending on the carrier, but most of the time completed application forms, business licenses and claims history are needed to provide an accurate quote for insurance.
Depending on your trade, risks and liabilities, every business is different. For starters, we recommend Workers' Compensation because it is required by most states, coupled with General Liability insurance.
CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.
You wanted better protection and cheaper pricing. So did we. We baked that dream into everything we've set out to accomplish in building our award winning platform.
We have one! How much could we have really improved the insurance purchase process? Try us! We ask only the questions you need to answer, nothing more.
We've built all our fancy tech from scratch, which allows us to get you certificates on demand, free of charge, and for us to find you savings.
Being a small business presents several challenges that may need more assistance. While CoverWallet provides you the best insurance, you can also consider these references to further support your small business:
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