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Insurance cover for small businesses in Connecticut
Business Interruption Insurance protects your small business if impacted by a covered risk. It'll cover the costs in replacing lost income and paying for additional expenditures. Also known as Business Interruption Coverage, this policy is usually part of your BOP (Business Owners Policy).
Workers Compensation covers your employees' medical costs and lost wages while recovering from a work-related injury or illness. The employee gives up the right to sue your company in return for receiving cash and benefits from Workers Compensation. In some states it’s mandatory for businesses!
General Liability Insurance protects your small business against claims of third-party bodily injury and property damage, reputational harm and advertising injury. It covers medical bills, repair costs & legal fees.
Commercial Auto Insurance covers your cars, trucks, and vans used in your business. It covers the costs from vehicle damage in collisions, theft, vandalism and weather damage. It also covers medical expenses for to injured parties.
Small business Health Insurance helps you offer your employees more inexpensive access to medical insurance. Everyone can benefit from lower rates or better coverage.
Commercial Property Insurance will provide coverage for your properties in case damage renders them impossible to rent or lease.
Frequently Asked Questions
Do I need insurance for my business in Connecticut?
Unavoidable circumstances and innocent mistakes always happen, and without insurance, your business is not protected from unforeseen challenges and financial breakdowns that might arise.
What will happen if I don’t buy insurance for my business in Connecticut?
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.
What do I need to get an insurance quote in Connecticut?
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.
What types of insurance do I need to buy in Connecticut?
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.
Guide to commercial insurance by state
Insurance laws and requirements may vary state by state. Click on your state to discover the insurance you will need for your small business: