top of page
.png)
Insure Connecticut's Ultimate Guide to Secure Your Future: Expert Insurance Tips and Tricks


Why Are Restaurant Workers' Compensation Rates So High in Connecticut? 8 Ways to Lower Your Premium
Connecticut ranks among the most expensive states for workers' comp, even after years of falling rates. Here is what drives a restaurant's premium and eight practical ways to bring it down.

Mark Vincent Ellema
3 days ago7 min read


Workers' Compensation for HVAC Employees Injured While Working in Attics and Crawl Spaces
Attics and crawl spaces are where HVAC technicians get heat illness, falls through ceilings, strains and cuts. Here is how Connecticut workers' compensation responds, what a ghost policy will not do, and what to have in place before an injury happens.

Mark Vincent Ellema
Sep 309 min read


Can Cleaning Companies Reduce Workers' Compensation Costs Without Reducing Coverage?
Cleaning companies can manage workers’ compensation costs without cutting necessary coverage. Learn practical strategies involving safety, payroll, classifications, claims history, policy reviews, and insurance comparisons.

Mark Vincent Ellema
Sep 2312 min read


The 7 Most Common Workers' Compensation Claims in Auto Repair Shops—and How to Prevent Them
Auto repair shops face some of the most preventable — and most expensive — workers' compensation claims in Connecticut. This guide breaks down the seven claims that show up most often in a garage, why they happen, and the specific safety steps that keep them off your loss run.

Mark Vincent Ellema
Sep 89 min read


Does an Office Business Really Need Workers' Compensation Insurance? Common Misconceptions Explained
Many law firms, CPA practices, and other office-based businesses assume workers' compensation insurance is only for physically risky trades. In Connecticut, that assumption can be legally and financially costly. This guide breaks down what the law actually requires, who can be excluded, and how ghost policies and misclassification traps catch office owners off guard.

Mark Vincent Ellema
Sep 311 min read
bottom of page