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


Slip, Trip, and Fall: Managing the #1 Habitational Risk for Northeast Nursing Homes
For facility managers and owners of nursing homes in the Northeast, the term "habitational risk" isn't just a category on an insurance application: it is the defining challenge of their operational survival. In states like Connecticut, New York, and Massachusetts, where care costs are among the highest in the nation and the regulatory environment is increasingly transparent, a single fall can trigger a financial domino effect. Slips, trips, and falls (STFs) represent the most

W. Tom Polowy, MS
Jul 298 min read


Do Janitorial Companies in Connecticut Need Workers' Compensation Insurance?
If you run a janitorial or commercial cleaning company in Connecticut and you have even one employee, the short answer is yes — you almost certainly need workers' compensation insurance. Connecticut law doesn't carve out an exception for cleaning businesses, and the nature of the work—wet floors, chemical exposure, ladders, heavy equipment, and repetitive motion—makes this one of the riskier trades to run uninsured.

Mark Vincent Ellema
Jul 288 min read


Why Workers’ Comp Claims Get Denied: A Guide for Northeast Employers
For a business owner in the Northeast, few things trigger an immediate sense of dread like a workers’ compensation claim. It is the intersection of employee well-being, legal liability, and escalating operational costs. But when a claim is denied, the situation often shifts from concern to confusion. Why was it denied? Does a denial help or hurt your business in the long run? And what is your role in the process? At Insure Connecticut LLC, we believe in radical transparency.

W. Tom Polowy, MS
Jul 288 min read


Florida Workers' Compensation Insurance 2026: Supreme Court Assault Ruling & Expanded Cancer Benefits
July 2026 has emerged as a transformative month for Florida’s insurance landscape. Two major developments, a landmark Florida Supreme Court ruling and the implementation of Chapter 2026-99, have fundamentally altered the liability profile for business owners across the Sunshine State. If you own a business in Florida, the rules regarding what constitutes a "work-related injury" just changed. Whether you operate a retail storefront in Miami, a rental agency in Orlando, or a mu

W. Tom Polowy, MS
Jul 287 min read


Best Insurance Carriers for Skilled Nursing Facilities: A Review of Market Appetite and Claims Handling
Choosing the right insurance carrier for a skilled nursing facility (SNF) in 2026 is no longer just about finding the lowest premium. For facility owners in Connecticut, New York, and across the Northeast, the decision has become a strategic component of risk management and long-term financial stability. With rising litigation costs, evolving regulatory transparency laws in states like Connecticut, and a shifting market appetite, your choice of carrier can determine whether a

W. Tom Polowy, MS
Jul 289 min read
bottom of page