Insure Connecticut's Ultimate Guide to Secure Your Future: Expert Insurance Tips and Tricks

Welcome back to our commercial auto insurance series. Quick Day 5 recap: we unpacked what drives your premium and what you can control so you don’t overpay for protection you actually need. Key cost drivers and smart levers you can use: Vehicle class and use (service cars vs. heavier delivery trucks; annual miles) Driver records and eligibility (MVRs, CDL where required, training and hiring standards) Garaging location/territory and radius of operation Coverage selections (li

If you put business vehicles on the road in Connecticut, cost is always in the driver’s seat. Premiums, deductibles, repairs, downtime, and legal exposure all roll up into your total cost of risk. The most reliable way to control that cost is to understand exactly what your commercial auto policy does—and doesn’t—cover. Commercial auto isn’t just a bigger version of personal auto; it’s built differently, with higher stakes and more moving parts. When you know how coverage wor

On Day 3, we covered the real on-the-road risks facing Connecticut businesses—accidents, injuries, property damage, and lawsuit exposure—and why "good enough" isn't real protection. One bad crash on I-95 or a delivery mishap downtown can drain cash flow, sideline vehicles, and put your reputation at risk. When you started shopping for commercial auto, the quotes probably made your head spin. One carrier quoted $1,500 per vehicle annually, another came in at $3,200, and a thir

Connecticut municipalities face an annual budgeting nightmare that keeps finance directors awake during winter months. Snow removal costs can vary dramatically from year to year, making it nearly impossible to predict expenses accurately. A mild winter might leave thousands of dollars unspent in the snow removal budget, while a severe season like the winter of 2014-2015, when Hartford received over 70 inches of snow, can blow through allocated funds by February, forcing diffi