In most cases, yes. General contractors and property managers typically require subcontractors and vendors to provide a certificate of insurance (COI) proving you carry general liability - and often workers' comp - before you can start work. We can issue a COI for your existing policy quickly, usually the same day.

It varies a lot based on your industry, payroll, and coverage needs, but many small Connecticut businesses pay a few hundred to a couple thousand dollars a year for a basic general liability or business owner's policy. The best way to get an accurate number is a quick conversation with us about what your business actually does - we'll shop it across our carrier network to find the best fit.

General liability covers third-party bodily injury, property damage, and advertising claims - the kind of thing that happens on a job site or at your place of business. Professional liability (also called errors and omissions, or E&O) covers claims that your advice or services caused a client financial harm. Most businesses that provide a service or advice need both.

In most cases, Connecticut doesn't require workers' comp if you have no employees — but if you're a sole proprietor working on job sites (especially in construction or contracting), many general contractors will still require you to carry a policy or a waiver before they'll hire you. We can help you figure out what's actually required for your situation.

The process can be quick! After gathering your information, we can typically provide a quote and coverage within a few days, depending on your needs.

Give our team a call, provide your information, and we’ll generate a tailored plan that fits your insurance needs.

From Homeowners/Auto to GL and Workers Comp. Being an independent agency, we are able to provide insurance for ALL your Personal or Business needs.

We work with directly with an array of A.M. Best rated carriers as well as partners were we can dig even deeper into the Excess Markets to provide YOU with the coverage you need.