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Disability Insurance


Do you have 6 months or a years worth of income put aside in the case of accident or illness? Most people don't. And unfortunately, Connecticut doesn't have a mandated program covering off-the-job losses (this includes during maternity leave for women). That's why there's private disability insurance, which will pay a portion of your income if you cannot work due to an illness or injury. Don't wait to get a quote though - you must have a policy before getting sick, hurt or pregnant.

Massachusetts, on the other hand, is in the process of implementing their Paid Family and Medical Leave, which will begin in 2021 (See FAQs below).


We're here for you!

Let us impartially shop multiple top rated insurance companies, search out your best options and create a customized quote that's just right for you. We'll also explain your coverage options, so there won't be any unpleasant surprises later.

Who should consider disability insurance?

If you're an active adult hit with medical expenses from a sports injury or other accident, it can be a blow to your financial stability.

If you're a woman living in CT, considering having a baby, and your company doesn't offer paid maternity leave, you'll need short term disability insurance before you become pregnant.

If your income is essential to your family's stability, or if you are the sole income for your household, short term disability could be life-saving as it will pay a portion of your income if you are injured or ill.

If you have a high deductible health insurance plan, this coverage may help pay your deductibles in the case of an accidental injury or disability.

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.

Click here for a helpful Disability Insurance (or Income Protection Insurance) Calculator.

  • How can I save money on my renters premium?
    One of the best ways to save on renters insurance, and onother types of insurance as well, is to bundle your policies. Other savings opportunities may include monitored security system discounts and claims free discounts.
  • Can roommates share one renters insurance policy?
    No. A renters policy automatically covers family members, such as your spouse or children. A live-in significant other may also be covered. A roommate is not covered under your renters policy and would need to obtain their own policy.
  • Do college students need renters insurance?
    Because renters insurance is so affordable and offers low deductible options, it's a great idea for college students. Your homeowners policy should cover your child while they are away from home, but there are limitations and your homeowners policy deductible (which is typically much higher than renters insurance) would apply if there was a loss. With renters insurance, if someone steals your child's laptop, their policy would provide coverage for theft. It would also help protect your child if he or she is found legally responsible for damage or injury to others.
  • Can I add renters insurance to my homeowners policy?
    Having two separate policies is not typically needed, especially for the same location. There may be situations where it makes sense to care a homeowners and renters policy, though, such as if your child is away at school or if you are renting a property in addition to the home you own. A homewoners or renters insurance policy can offer some coverage in multiple locations, but there may be limitations, which is why two separate policies can be a good option. Call us at (860) 785-4854 to discuss if this is the right option for you.
  • Does renters insurance cover moving?
    If you're moving to a new rental, there's no need to cancel your renters policy. Simply update it to reflect your new address. You may also want to review your coverage at this time to make sure it still fits your needs. If you plan to hire a professional moving company and have a written contract, your stuff is covered if lost during the move or damaged by a covered event such as fire or vehicular accident. Your stuff is not covered for breaking or scratching during the move - for that you'd need to purchase additional protection from the moving company. If you are moving into a new home and will need a homeowners insurance policy instead, you should wait to cancel your renters policy until after your stuff is delivered to your new address. If your belongings are not being moved under a movers contract or another form of shipping or storage, the renters policy can be canceled the same day as your homeowners policy is issued. Contact us at (860) 785-4854 to review your renters policy or transition to a homeowners insurance policy.

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