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Small Business Commercial Insurance

 

Small businesses make up 97% of Connecticut's business, totaling approximately 333,100. If you're a small business owner, you need to protect yourself. General liability insurance protects your business from a variety of claims, including those involving property damage, personal injury and advertising errors.

What type of business insurance do I need?

The right insurance for you will depend on your type of business and your specific needs. Call us today at (860) 785-4854 so we can discuss your options with you. These are the three most common types of small business insurance.

A business owners policy covers general liability, property and business income.

General liability covers  common business risks including bodily injury, property damage and advertising injury.

Workers Compensation is required for most businesses with employees and helps cover medical fees and lost wages for work-related illness or injuries.

There are more specific types of business insurance as well, including:

  • Commercial Flood Insurance

  • Commercial Worker's Compensation

  • Commercial Auto Insurance 

  • Employer-Sponsored Health Insurance

  • Professional Liability Insurance

  • Errors and Omissions

  • Surety Bonds

Once you're covered, we make managing your insurance simple, because we'll be your direct contact for all your future needs, such as making a change to your coverage, getting more information, or filing a claim.

Small Business Insurance FAQs

Does Connecticut require me to have workers compensation insurance?


All Connecticut businesses with employees, or uninsured subcontractors, are required to carry workers compensation insurance to protect their employees. If you do not, your business will become responsible for the potentially staggering costs associated with work-related injuries or illnesses that employees experience. You could also face fines and other penalties for failing to carry the required insurance. Sole proprietors and members of single member LLCs: If this is you then you are automatically excluded from workers comp. policies, but you may choose to opt-in. Corporate officers and members of multi-member LLCs: You are automatically included, but may choose to opt-out.




Is my business required to have small business insurance?


If your business has employees, most states - including Connecticut and Massachusetts - require you to have workers’ compensation coverage. Commerical space leases and business contracts typically require that you carry liability coverage as well.




What is small business insurance and why do I need it?


Small business insurance can help protect your business from claims or lawsuits that result from property damage, professional errors, employee injuries and much more. Without it, you may be responsible for paying these expenses out of pocket, and a large claim could be devastating to your business. There are a variety of coverages available, so call us at (860) 785-4854 to discuss the right coverage options for your business.




Does Massachusetts require me to have workers compensation insurance?


All Massachusetts businesses with employees, or uninsured subcontractors, are required to carry workers compensation insurance to protect their employees. If you do not, your business will become responsible for the potentially staggering costs associated with work-related injuries or illnesses that employees experience. You could also face fines and other penalties for failing to carry the required insurance. The workers comp requirement applies no matter the number of hours worked or the number of employees: the only exception is for domestic employees who must work at least 16 hours a week to be covered under a workers’ compensation policy. Also, out-of-state employers operating in Massachusetts must provide workers’ compensation coverage for all employees working in the Commonwealth. Members of a limited liability company (LLC), partners of a limited liability partnership (LLP), or sole proprietors of an unincorporated business aren’t required to carry workers' compensation insurance for themselves, but may choose to opt-in. Corporate officers who own at least 25% interest in the corporation can request an exemption from workers’ compensation coverage.





Our carriers

Liberty Mutual Insurance, Auto Insurance
Plymouth Rock Auto Insurance
ABOUT

Connecticut

800 Cottage Grove Rd Bldg 4

Bloomfield, CT 06002

P: (860) 785-4854

F: (844) 273-8775

 

Massachusetts

Northampton, MA 01060

P: (413) 230-6665

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