Industry-specific protection, customized for how you actually work.
INDUSTRIES WE INSURE
At Spectrum Insurance, we specialize in helping real businesses—contractors, restaurant owners, retailers, service pros, and more—find coverage that fits. We don’t believe in cookie-cutter policies. With access to 25+ top-rated carriers, we build custom insurance solutions that match the way you operate, so you’re never over- or under-insured.
Contractors & Trades
Real Estate & Property Management
Restaurants & Food Services
Offices & Professional Services
Auto Services & Repair Shops
Home-Based & Online Businesses
Electricians, plumbers, landscapers, roofers, general contractors—if you build or repair things, we’ll help protect your crew, tools, vehicles, and job sites with the coverage that matches the risks of your work.
Contractors & Trades
From landlords to commercial property managers, we’ll protect your buildings, tenants, and income with policies tailored to your property size, usage, and lease types.
Real Estate & Property Management
Whether you run a food truck, family diner, or upscale restaurant, we’ll help protect your kitchen, staff, equipment, and reputation with coverage built for the fast-paced world of food service.
Restaurants & Food Services
Law firms, consultants, designers, and agencies—we’ll protect your work, your contracts, and your client relationships with coverage that fits the pace and precision of professional life.
Offices & Professional Services
Mechanics, body shops, detailing pros—if your business revolves around cars, we’ll help protect your shop, tools, and customers’ vehicles with coverage designed for the garage.
Auto Services & Repair Shops
Running a business from home or online doesn’t mean fewer risks. We’ll help cover your inventory, equipment, and liability—even if your “office” is your living room or laptop.
Home-Based & Online Businesses
What if my business doesn’t fit into one of the industries listed?
A: No problem at all. The industries on this page are just examples of who we work with most often. If your business doesn’t fall neatly into a category, we’ll still find the right coverage for you—just reach out and we’ll talk through your needs.
Can I bundle multiple types of coverage together?
Absolutely. In fact, we often recommend it. Bundling policies—like general liability, property, and commercial auto—can simplify things and help save you money. We’ll put together a custom package that fits how your business operates.
Do I need business insurance if I work from home?
Yes. Homeowners insurance typically doesn’t cover business-related risks like customer injuries, lost inventory, or liability from your services. We offer coverage specifically designed for home-based and online businesses.
How do I know what coverage my business actually needs?
That’s what we’re here for. We’ll ask you about your operations, employees, risks, and goals—then shop multiple top-rated carriers to find a policy that covers exactly what matters most.
What kinds of businesses does Spectrum Insurance specialize in?
We work with contractors, restaurants, retailers, office-based pros, wellness providers, real estate managers, online shops—you name it. If you run a business in Connecticut, chances are we’ve helped someone just like you.
