top of page
.png)
Insure Connecticut's Ultimate Guide to Secure Your Future: Expert Insurance Tips and Tricks
Vicarious Liability: Why Tier 2 SML is Critical for CT Property Managers
If you own a multifamily property in Connecticut through a Single-Purpose Vehicle (SPV), you likely have a very specific "employee count" on your payroll: zero. This is the standard operating procedure for modern real estate investment. You create an SPV, a single-purpose entity, to hold the asset, shield other investments from liability, and satisfy lender requirements. You then hire a third-party property management company (PMC) to handle the day-to-day: the leasing, the m
W. Tom Polowy, MS
Jun 48 min read
Telematics Insurance: How Your Driving Data Affects Your Premium
In this guide, the team at Insure Connecticut LLC breaks down exactly how telematics works, what CT-specific programs are available, what data your insurer collects, and — critically — whether it could raise your rates instead of lowering them.
Mark Vincent Ellema
Jun 36 min read
Beyond the Checkbox: Why Tier 2 & Tier 3 SML Coverage Matters for Your CT Multifamily SPV
If you are a Connecticut real estate investor operating a multifamily property through a Special Purpose Vehicle (SPV), you already know that the financing process is a marathon of paperwork. Between environmental reports, appraisals, and legal entity formations, the insurance requirement often feels like just another box to check. For those financing through Fannie Mae or Freddie Mac, the mandate for Sexual Misconduct Liability (SML) coverage is non-negotiable. Lenders requi
W. Tom Polowy, MS
Jun 38 min read
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
Don’t Start Construction in Connecticut Without it: What Happens If You Don't Have Builder's Risk Insurance?
CT construction boom brings major financial risks. What Happens If You Don't Have Builder's Risk Insurance? Learn why coverage matters. Protect every project now.
Tina Orbita
May 2910 min read
bottom of page