- When you're based in New England, chances are that you or your employees will travel to nearby states on business. If you've got employees working out of state, be sure to report their payroll to your workers' comp insurance carrier to ensure they're covered in those states.
- Connecticut's hurricane and storm seasons can come with high winds and heavy rain. Be sure your property policy covers flood, wind and water damage—it doesn't always come standard and may need to be bought separately.
- If you want to save money on your workers' comp premiums, institute a formal safety policy at your company. It may reduce workplace injuries and can help you keep premiums low.
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Rich historically and economically, Connecticut is a great state to set up an IT business. With a temperate climate, a long coastline and beautiful scenery that attracts tourists and residents, there are many business opportunities in this state. But thanks to its coastal location, the threat of hurricanes looms large every year, and long, cold winters and stormy summers keep Connecticut business owners on high alert. That's why so many invest in property and business interruption insurance, which protect a business's assets and income in any weather.
Connecticut: Rich in History, Rich in Business
Connecticut is a small state with a lot to offer, so it's not surprising that it's one of the most densely populated states in America. As home base for countless seafaring businesses as well as many manufacturing and financial services companies, Connecticut boasts one of the highest per-capita income rates in the nation. 1 Clearly, this is a place where businesses prosper. Protect your investment in your IT business with the right commercial insurance, including professional liability and general liability coverage.
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If you're looking for any of the following types of insurance, we've got you covered:
You may have heard this type of coverage called a "BOP," or Business Owner's Policy. This policy packages general liability insurance with property coverage at one affordable rate, giving you protection if a client should be accidentally injured at your location or if one of your employees causes property damage or bodily injury at a client's site.
Commonly called "errors and omissions" or "E&O" insurance, this type of coverage protects you if your client should claim that mistakes, negligence or omissions you make on the job caused the client a financial loss. For professional services companies such as IT businesses, this is one type of insurance you shouldn't work without.
Many states require companies with employees to carry workers' comp insurance, which pays for medical care and disability coverage for your employees if they should suffer a work-related illness or injury.
If you have employees, you need EPLI. This type of insurance protects you in the event that one of your employees claims an employment practice violation, such as sexual harassment; wrongful termination; or gender, race or age discrimination.
1. USA Today: Highest wages in East
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