Business Insurance in Connecticut & Texas

Review protection for covered third-party bodily injury and property damage claims arising from your operations. Discuss completed operations, subcontracted work and exclusions that may affect your trade.

Key review points

• Identify every trade, including occasional roofing, excavation, demolition or snow work.
• Review ongoing and completed operations, additional insured wording and subcontractor exclusions.
• Bring the insurance exhibit from your contract; a requested endorsement must be available under the policy.

Review coverage for work-related employee injuries and occupational illness. Accurate payroll, job classifications and subcontractor information are important to underwriting and premium audits.

Key review points

• Break estimated payroll down by job duties and state, including owners who want coverage.
• Keep payroll records, subcontractor invoices and certificates organized for the premium audit.
• Discuss changes in staffing, subcontractor use and interstate work before renewal.

Property insurance for eligible construction or renovation projects. Review the completed project value, materials, schedule and covered causes of loss; liability and workers’ compensation require separate consideration.

Key review points

• Provide the completed project value, location, construction type and anticipated schedule.
• Identify renovation work, existing structures, materials in transit or storage, and any work already underway.
• Discuss when coverage starts and ends, occupancy, deductibles and excluded causes of loss.

Review liability and physical damage options for business vehicles. Include driver information, vehicle use, garaging locations and any hired or non-owned auto exposure.

Key review points

• List vehicles, drivers, garaging locations, operating radius and how each vehicle is used.
• Identify hired vehicles and employees using personal vehicles for company business.
• Review liability limits, physical damage deductibles and contract or lender requirements.

Buildings and business contents have different exposures from mobile tools and contractors’ equipment. Review owned and rented equipment, transit, storage, values and deductibles.

Key review points

• Separate buildings and contents from mobile tools, heavy equipment and rented machinery.
• Prepare equipment values and describe storage, transit, theft protection and rental agreements.
• Ask how deductibles, valuation and leased or borrowed equipment are handled.

Consider additional liability limits above scheduled underlying policies. Review required underlying limits, exclusions and how the coverage responds to your contracts and operations.

Key review points

• Supply the policies and limits that would sit beneath the umbrella or excess layer.
• Compare exclusions and attachment requirements with your project’s insurance exhibit.
• Do not assume higher limits remove exclusions in the underlying policy.

Some operations or loss histories require a specialty-market review. Available placement options, terms and eligibility must be confirmed for your particular risk.

Key review points

• Describe unusual operations, prior losses, coverage gaps and declined applications accurately.
• Review the proposed insurer, policy restrictions, deductibles and any applicable surplus-lines disclosures.
• Availability depends on the risk, producer authority and access to the appropriate market.

Ask about support for applicable bid, performance, payment or license and permit bond requirements. Bond availability depends on the obligation, underwriting and surety approval.

Key review points

• Bid, performance and payment bonds address different contractual obligations.
• Provide the required bond form, obligee, amount, deadline and project details.
• Explore license, commercial, court and fidelity categories on our dedicated Bonds page.

Combine eligible commercial property and general liability coverage in one business owners policy. Business interruption options and eligibility vary.

Review liability arising from selling or serving alcohol, including your operations, sales and policy exclusions.

Review data breaches, cyber incidents, response costs and interruption exposures for businesses handling customer data or operating online.

Review coverage for your operations, property, staff and liability exposures.

Review coverage for your operations, property, staff and liability exposures.

Review coverage for your operations, property, staff and liability exposures.

Review coverage for your operations, property, staff and liability exposures.

Review coverage for your operations, property, staff and liability exposures.

Review coverage for your operations, property, staff and liability exposures.

Review coverage for your operations, property, staff and liability exposures.

Review coverage for your operations, property, staff and liability exposures.

Review coverage for your operations, property, staff and liability exposures.

Review coverage for your operations, property, staff and liability exposures.

Review coverage for your operations, property, staff and liability exposures.