Skipping workers’ comp does not save money. It creates consequences that carry serious legal, financial, and operational harm. What begins as a business insurance budgeting decision can quickly become a legal crisis.  Employers who operate without required workers’ compensation insurance expose themselves to lawsuits, regulatory penalties, and, in most states,…

Business owners are finding that business auto insurance pricing has become increasingly unpredictable, even without meaningful changes to their risk profile. Fleet size remains stable. Driver rosters look the same. Loss histories show no unusual activity. Yet renewal terms often arrive with higher premiums, tighter underwriting, and fewer options. This…

The holiday season puts extra pressure and volume on businesses, leading to spikes in website traffic. Mobile checkouts stay busy. Customer service teams work at full speed. Employees juggle increased work and personal obligations, which creates openings for cybercriminals. One breach can disrupt year-end revenue, making cybersecurity insurance for businesses…

The holiday season brings joy, gatherings, and celebration — but also a blur of activities that create household risks. Fires, guest injuries, theft, and even auto accidents tend to increase this time of year. Many of these incidents result in homeowners insurance claims. This report aims to help you stay…

Drone technology has rapidly evolved from novelty to necessity as businesses discover its capabilities, and insurance is no exception. Carriers that offer homeowners insurance or business insurance are now deploying drones with excellent results, transforming the way both homes and commercial buildings are inspected. In a fraction of the time…

Many Connecticut homeowners are seeing premium increases of 10% or more on their renewal notices this fall. If you are asking why home insurance costs are rising in Connecticut, you are not alone. National economic pressures and local risk factors are changing how insurers set rates across the state. This…

Many Connecticut residents are picking a new Medicare Advantage plan for 2026. If this includes you or someone you know, please keep reading. You may have seen recent reports about the three insurance carriers with the most popular Medicare Advantage plans exiting the Connecticut market, thereby forcing people to pick a…

If you're in your 20s or 30s, life insurance probably feels like something for later — after the house, the wedding, the kids. But waiting means paying more later — sometimes much more — and missing out on modern, flexible financial planning advantages and protection you can only lock in…

You parked in an end spot at a crowded sporting event to avoid surrounding cars. Hours later, you return to find your vehicle sideswiped, with no witnesses or notes left behind. After filing a police report, you realize it's unlikely you will find the other driver. This incident raises an…