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Insure Connecticut's Ultimate Guide to Secure Your Future: Expert Insurance Tips and Tricks
General Liability vs. BOP: Which One Is Right for Your Business?
A General Liability (GL) policy covers third-party injury and property damage claims. A Business Owner's Policy (BOP) bundles GL with commercial property and business interruption coverage into one package. For most Connecticut small businesses with a physical location, a BOP offers broader protection at a better value. Sole proprietors and home-based operators may only need a GL policy.
Mark Vincent Ellema
May 297 min read
Why Insurance Costs Are Rising in 2026—and What You Can Do About It
If you've opened your insurance renewal notice in 2026 and experienced sticker shock, you're not alone. Connecticut residents are seeing particularly steep insurance cost increases, with homeowner's insurance rates climbing 8-18% and auto insurance jumping 10-15% across the state. But here's the good news: you're not powerless in this situation.
Mark Vincent Ellema
May 712 min read
Business Owner’s Policy Insurance – 5 Costly Mistakes Small Businesses Must Avoid
A Business Owner’s Policy (BOP) can safeguard your company against property damage, liability claims, and income loss during disruptions.
Mark Vincent Ellema
Dec 15, 20252 min read
Why Every HVAC Contractor Needs General Liability Insurance—And Why a BOP Might Be Even Better
One cracked tile. One sharp-edged duct. One customer tripping over a coil of hose—and just like that, your day on the job goes from profitable to painful.
Will
Jul 24, 20255 min read
Connecticut’s Guide to Insurance Replacements: Actual vs. Functional Value Explained
Actual vs. Functional Replacement Value: Know the difference and choose the right coverage to protect your property the smart way.
W. Tom Polowy, MS
Mar 25, 20255 min read
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