September 17, 2026
AgencyWhat Is a MYGA? A Plain Guide for Retirees
Outliving your savings is a significant financial risk. Inflation can erode purchasing power, market volatility can shrink a portfolio, and there is no guarantee that other income sources will cover every expense. A multi-year guaranteed annuity (MYGA) is one tool that can address this uncertainty directly by locking in a guaranteed interest rate for a […]
August 25, 2026
AgencyWhat Happens to Your Insurance When You Store a Boat at the West Hartford Reservoir or a Connecticut Marina?
Boat ownership comes with year-round responsibilities, and storage season is one of the most overlooked from an insurance standpoint. Whether you dock at a marina, keep your vessel at a reservoir or rent a slip at a facility near West Hartford, your boat insurance coverage needs may shift in ways that catch many boat owners […]
July 29, 2026
AgencyHow Workers’ Compensation Protects Both Employers and Employees
Workers’ compensation is one of the most important coverages a business can carry. It creates a system where injured employees receive the care and income support they need, and employers gain coverage against the liability exposure that workplace injuries can bring. What Workers’ Compensation Covers Workers’ compensation typically offers benefits in a few key areas: Medical expenses—May help cover treatment costs for […]
June 23, 2026
AgencyTop Home Insurance Claims and How to Prevent Them
Many Connecticut homeowners look for ways to limit unexpected expenses. Understanding common home insurance claims can help you plan ahead. can help review key claims and suggest steps to reduce risk. Common Home Insurance Claims Each home may have unique risks, but certain claims tend to happen more frequently. These may include: Water damage: Burst pipes, appliance leaks and roof leaks can […]
May 7, 2026
AgencyHow to Create a Home Inventory for Insurance Purposes
At , we encourage our clients to create and update their home inventories to help ensure a smoother claims process and to confirm that their homeowners insurance provides the right level of coverage. Why a Home Inventory Matters A comprehensive home inventory is a record of your personal belongings, including descriptions, photos and estimated values. This documentation can be invaluable […]
April 27, 2026
AgencyThe Hidden Value of Liability Coverage in Home Insurance
When most homeowners think about home insurance, they often focus on covering their property from storms, fire or theft. However, one of the most important and sometimes overlooked components of a home insurance policy is liability coverage. What Is Liability Coverage in Home Insurance? Liability coverage is designed to help cover you if someone is injured on your […]
March 18, 2026
AgencySR-22 Insurance Explained: What Is It and When Do You Need It?
While the term “SR22 insurance” is frequently used, an SR22 is actually a certificate your insurance company files to show you carry the state’s minimum required auto liability coverage. This form is often required for drivers considered “high-risk” due to certain violations or incidents. When Is This Required in Connecticut? You may need to obtain an SR-22 if: Your license has been […]
February 4, 2026
AgencyHow to File an Auto Insurance Claim Without Stress
Being involved in an auto accident or experiencing vehicle damage can be an unfamiliar situation for many drivers. While each claim is different, our team at encourages you to learn about the general steps involved in filing an auto insurance claim before something happens, as such knowledge can help you feel more prepared when the process begins. Gather Information at the […]
January 29, 2026
AgencyHow Weather Affects Car Insurance Claims
Connecticut’s weather can be as unpredictable as it is beautiful. For drivers across the state, understanding how these conditions impact car insurance claims is essential. From hurricanes and heavy rain to sudden flooding, weather events can lead to unexpected vehicle damage and complicated claims. Here’s how common weather events may affect your car insurance: Hurricanes […]
December 23, 2025
AgencyThe Importance of Business Interruption Insurance
Business interruption insurance can help cover lost income and ongoing expenses if your business must temporarily cease operations due to a covered event, such as a fire, hurricane or other disaster. This essential component of business insurance can help you handle the financial impact of being unable to operate as usual. Why Is Business Insurance Important for Connecticut Businesses? The climate means businesses face a […]