Our Coverage Lines

Comprehensive protection for your home, belongings, and personal liability. We shop multiple carriers to get you the best rate for your coverage level.

• Dwelling & structure coverage
• Personal property protection
• Liability up to $500K
• Additional living expense
• Replacement cost options

Full coverage auto insurance with competitive rates from top carriers. Multi-car discounts, accident forgiveness, and roadside assistance available.

• Liability coverage
• Collision & comprehensive
• Uninsured motorist
• Roadside assistance
• Rental reimbursement

Protect your belongings and personal liability even if you don't own the building. Surprisingly affordable coverage that most renters overlook.

• Personal property coverage
• Liability protection
• Additional living expense
• Identity theft coverage

Extra liability protection beyond your home and auto policies. Essential for families with assets to protect.

• $1M-$5M additional liability
• Covers home, auto, and watercraft
• Legal defense costs
• Worldwide coverage

Standard homeowners policies don't cover flood damage. With Connecticut's river valleys and coastal exposure, flood coverage is essential.

• Building coverage up to $250K
• Contents coverage up to $100K
• Available in all flood zones
• Private & NFIP options

Coverage for boats, jet skis, and watercraft on Connecticut's lakes, rivers, and Long Island Sound.

• Hull damage
• Liability coverage
• Towing & salvage
• Personal effects
• Trailer coverage

Bundled property and liability coverage designed for small businesses. Often the most cost-effective way to protect your business.

• Business property
• General liability
• Business income/interruption
• Equipment breakdown
• Cyber liability add-on

Protect your business from third-party claims of bodily injury, property damage, and advertising injury.

• Bodily injury liability
• Property damage liability
• Products/completed operations
• Advertising injury
• Medical payments

Required by Connecticut law for most employers. We work with specialized carriers to get competitive rates, especially for higher-risk classes.

• Medical benefits
• Lost wage replacement
• Rehabilitation services
• Employer liability
• Return-to-work programs

Coverage for vehicles used in your business operations — from a single work truck to an entire fleet.

• Liability coverage
• Physical damage
• Hired & non-owned auto
• Cargo coverage
• Fleet discounts

Errors & omissions coverage for professionals who provide advice or services. Essential for consultants, accountants, IT firms, and more.

• Defense costs
• Settlement coverage
• Regulatory proceedings
• Prior acts coverage
• Tail coverage options

Protect your rental properties with coverage tailored for landlords. Property damage, liability, and lost rental income.

• Dwelling coverage
• Landlord liability
• Loss of rental income
• Vandalism & theft
• Multi-unit discounts

Coverage for what your HOA policy doesn't cover — your unit's interior, personal property, and personal liability.

• Interior structure (walls-in)
• Personal property
• Loss assessment
• Liability protection
• Additional living expense

Specialized coverage for homes valued over $750K with higher limits, broader coverage, and concierge claims service.

• Guaranteed replacement cost
• Extended replacement cost 150%
• Cash settlement option
• Scheduled valuables
• Risk management consultation

Affordable coverage for a specific period — 10, 20, or 30 years. The most cost-effective way to protect your family's financial future.

• Level premiums
• Convertible to permanent
• 10/20/30 year terms
• Up to $5M coverage
• No medical exam options

Permanent coverage that builds cash value over time. A foundation for estate planning and long-term financial security.

• Lifetime coverage
• Cash value accumulation
• Fixed premiums
• Dividend potential
• Loan provisions

Replaces a portion of your income if you're unable to work due to illness or injury. Your paycheck is your most valuable asset.

• Own-occupation definition
• Up to 60% income replacement
• Short & long-term options
• Residual disability
• Cost of living adjustment