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


DigiTech® Enterprise Risk Management: Specialized Protection for Technology Companies and IT Service Providers
For technology companies, software developers, and IT service providers across Connecticut, New York, and throughout our 12-state operating footprint, digital assets, source code, and client data are the lifeblood of the enterprise. Yet, as your operations scale, so does your exposure profile. A single software glitch in a deployed enterprise resource planning (ERP) system can cost your clients millions in downtime. A sophisticated ransomware attack can cripple your cloud inf

W. Tom Polowy, MS
Aug 98 min read


Underwriting Drivers for Hospitality: What Insurers Ask Before Quoting Your Bar or Pub
Operating a bar, pub, or lounge is an exciting venture rooted in community, hospitality, and entertainment. However, when it comes time to secure commercial insurance, many hospitality owners experience sticker shock or outright denials from standard insurance carriers. Why does getting coverage for a neighborhood tavern or high-energy pub feel infinitely more complex than insuring a retail boutique or a quiet professional office? The answer lies in hospitality underwriting.

W. Tom Polowy, MS
Aug 98 min read


Software Patching Hygiene & The Neglected Software Exploit: How Good IT Habits Lower Your Cyber Insurance Premiums
For Chief Information Security Officers (CISOs) and enterprise IT teams, cyber insurance renewals have undergone a profound transformation. Gone are the days when completing a simple, checkbox-style questionnaire would secure robust policy limits with minimal scrutiny. Today, top-tier cyber liability underwriters: led by market leaders like Chubb, Beazley, and CFC: demand verifiable proof of operational security controls. Among these controls, software patching hygiene has em

W. Tom Polowy, MS
Aug 88 min read


Craft Beverage Insurance 2026: Protecting Breweries, Taprooms, and Distilleries in the Northeast
The craft beverage boom across the Northeast: from the bustling taprooms of Hartford and New Haven to the scenic craft breweries of the Hudson Valley, coastal Massachusetts, and Vermont: has transformed local economies and community culture. Yet, operating a craft brewery, micro-distillery, or cider house in 2026 comes with a complex web of financial and operational risks. Between rising equipment replacement costs, strict state dram shop laws, live music events, food truck p

W. Tom Polowy, MS
Aug 86 min read


Homeowners Insurance in Connecticut: What It Covers, What It Costs, and What CT Law Requires
Connecticut homeowners pay an average of roughly $1,900 to $2,700 a year for coverage, depending on dwelling limits, location, and deductible — and that number is trending upward. This guide breaks down exactly what a standard policy covers, what it leaves out (flood damage being the big one), how much coverage you actually need, and what changes if your home is high-value or hard to insure through the standard market.

Mark Vincent Ellema
Aug 76 min read
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