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

Tool Theft: How Inland Marine Insurance Saves Your Gear

Inland Marine is the traveler. It follows your tools, equipment, and even the materials you’re about to install (like that expensive marble countertop) wherever they go.

Inland Marine Insurance

W. Tom Polowy, MS

Apr 17 min read

[HERO] Exotic Collection Secrets Revealed: What Luxury Insurers Don

Exotic Collection Secrets Revealed: What Luxury Insurers Don't Want You to Know

The most significant secret in the luxury insurance world is how your assets are valued at the time of loss. Most standard car insurance and homeowners insurance policies use "Actual Cash Value" (ACV).

Luxury insurance

W. Tom Polowy, MS

Apr 15 min read

The Ultimate 2026 Spring De-Winterization Checklist for CT Classic Car Collectors

Owning a collector car in Connecticut comes with a unique set of rewards and hurdles. We have some of the most beautiful scenic byways in the country, but we also have road salt that lingers well into May and a humidity profile that loves to oxidize chrome and gum up carburetors.

Classic Car Insurance

W. Tom Polowy, MS

Apr 17 min read

Additional Insured: The Most Important Phrase in Your Contract

You’ve spent years building your reputation in Connecticut. You’ve got the tools, the crew, and the craft down to a science. But then you’re handed a contract for a big commercial renovation in West Hartford, and buried on page 42 is a phrase that makes most people's eyes glaze over: "The Contractor shall name the Owner as an Additional Insured on a primary and noncontributory basis." If you’re like most folks, you might think, "Sure, whatever keeps the project moving." But

W. Tom Polowy, MS

Mar 316 min read

[HERO] The Foundation: Why CT Business Insurance Isn

The Foundation: Why CT Business Insurance Isn't Optional

You’ve spent years honing your craft. Whether you’re a master carpenter in West Hartford, an electrician wired into the grid in New Haven, or a general contractor juggling a dozen builds across Fairfield County, your business is your legacy. You know that a house is only as strong as its foundation. If the footings are off, the whole structure eventually leans, cracks, or collapses. In the world of Connecticut contracting, insurance is that foundation. It’s easy to look at in

W. Tom Polowy, MS

Mar 306 min read