No one wants to believe their dog could hurt someone. For most pet owners, dogs are family — trusted companions, not threats. But even the gentlest dog can act unpredictably under stress, fear, or excitement. Unfortunately, a bite or injury, while emotionally distressing in itself, can escalate into a lawsuit,…

Lithium-ion batteries are indispensable. They power tools on job sites, home electronics, and essential equipment. However, when mishandled, these batteries pose serious fire risks — potentially catching fire and causing costly property damage, business interruptions, or worse. With the growing reliance on lithium-ion batteries, adequately structured business insurance and personal…

Most days begin like any other — until they become moments you'll never forget. A customer slips, a delivery van collides with another vehicle, or a routine project goes awry. Suddenly, you are confronted with a lawsuit, medical bills, or settlement demands far exceeding your standard insurance policy limits. In…

The 2025 hurricane season is approaching fast, officially starting June 1st. Predictions from the Colorado State University 2025 forecast indicate an above-average season, with more frequent and intense storms expected along the East Coast. For homeowners, the time to act is now. Ensure your homeowners insurance is in force, Replacement…

The renewal notice is buried under unopened mail. Money’s tight this month, so you tell yourself the personal insurance payment — whether for your home, auto, or renters policy — can wait. However, insurance companies don’t wait long. Most policies include a grace period of 10 to 30 days —…

Each year, the month of April is dedicated to raising awareness about the dangers of distracted driving and promoting safer driving habits. In 2024, distracted driving resulted in approximately 3,000 deaths and over 400,000 injuries in the United States. The road holds hidden dangers when driving in Connecticut. Speeding, tailgating,…

The envelope remains unopened on your desk — this is your third notification. Last month's business insurance payment didn't go out. Production costs were high, and something had to give. You figured you'd catch up next week. But time keeps passing by. Most insurers offer a short grace period —…

“If there is anyone dependent on your income, like your parents, children, or relatives, for instance, then you need life insurance.” — Suze Orman A life insurance policy safeguards your family's financial future, and designating the right beneficiaries ensures that your loved ones receive the intended support. Careful planning and…

Businesses face increased risks from employee claims, making employment practices liability insurance (EPLI) essential. A rise in workplace disputes, wrongful termination, discrimination claims, and wage-related lawsuits exposes them to costly legal challenges. This article underscores why EPLI coverage is a critical type of business insurance due to a growing trend…