Understanding the Basics of Gas Station Liability in Connecticut

Owning and running a gas station in Connecticut is a complex endeavor. There are so many different factors that you have to deal with everyday. Knowing the potential damages and liabilities to any or all of those variables are covered by your insurance is key to safely conducting your work. Here is some quick information for anyone looking for a comprehensive CT gas station insurance policy for his or her business.


There are plenty of items and services involved in the gas station industry that need to be covered by insurance because of the potential liability they could cause to you and your business. This includes your building and other infrastructure, your employees, potential crime and more. Gas is of course flammable, which makes it all the more important for you to cover all of the possible liabilities that you can in the unfortunate event of a fire.


While all gas stations share at least one service in common, they differ vastly in their amenities. Some stations are known for their large bathrooms and showers while others are renowned for their corn dogs and mini pizzas. No matter what your store offers to its customers, you want to make sure that your coverage matches those unique, potential liabilities in the event of any problems.

Insuring your gas station is important. Knowing that you have the best coverage possible relieves stress so you can focus on running your business.

Why You Need COC Insurance in Construction

There are plenty of risks associated with the construction industry. From the dangerous machinery used to build structures to the errors caused by workers, you want to be sure that your insurance covers all of your bases. For some business owners, a Course of Construction insurance policy can be advantageous. Review these basic points and get a better idea of how this policy can protect your company and your assets from the unknown.

How COC Insurance Works

Also known as builders risk insurance, COC insurance is a standard policy taken out by most professionals within the construction industry. This plan covers a number of scenarios that a general liability policy will not. For example, an earthquake is a natural disaster that can cause massive damage to a construction site. With a COC policy, you will be protected against any costs that are incurred from damage beyond your control. A number of fees and expenses in the construction field are also covered by this policy, including those associated with constant presence from the fire department. Additional protections include:

  • Coverage against government action
  • Covered losses in situations of vandalism
  • Protection against most common unfortunate events

Protection Against Common Risks

While there are plenty of risks in the construction industry, a comprehensive insurance plan can keep you and your assets protected at all times. Look over the details and get a better idea of how a COC policy can help cover all your bases.

Who Needs Insurance for Liquor Liability?

No matter what type of business you own, if you sell or serve alcoholic beverages or allow liquor to be served on your property, you could face some serious legal ramifications if injuries occur. Whether guests get into a fight while intoxicated and someone is hurt, or tipsy patrons damage someone’s property, you could be held liable. To protect your business from lawsuits involving drunk or disorderly guest’s actions, you should consider either host liquor liability insurance or liquor liability insurance.

Business Liability

Hundreds of billions of dollars in medical care and property damage settlements are related to alcohol cases each year. Some alcohol-related service industries need insurance protection, but any business that serves, distributes, or manufactures the products should purchase a liquor liability policy for protection that can include:

  • Business assets
  • Legal expenses
  • Settlement costs

Host Liability

For those business owners that allow alcohol to be served on their property by other individuals, host liquor liability insurance is the answer. Protection can include social gatherings when alcohol is supplied, but guests do not pay for it. Covered events can include:

  • Restaurants that allow patrons to bring in alcohol
  • Wedding event building owners
  • Tailgate stadium authorized events

Call Today

If you have questions about liquor liability insurance, call your agent today for a quote. The sooner you begin coverage, the less you will have to worry about it.

What To Expect After an Automotive Accident

Whenever a car an accident occurs, the police are often called to help document the incident. Insurance providers will conduct their own investigations, but an official police report is a way to establish a credible narrative of the event. If the information from the police report isn’t complete, a separate independent investigation may be commissioned.

What Happens With an Accident Investigation?

In a police investigation, the office on the scene will take statements from all involved parties, as well as talk to potential witnesses. They may also photograph the scene or diagram it. An investigation conducted by an insurance company or an independent third party may use some of the police report data, but the instigator will also collect his or her own information. If there isn’t enough information to draw firm conclusions about an incident, especially when a lawsuit is involved, accident reconstruction may be used.

What Information Is the Most Important?

There are a number of factors that go into settling an accident claim or a personal injury lawsuit that originated with a vehicle accident. The following information becomes very important to the situation:

  • Clear description of the driving conditions
  • The location, date, and time
  • Details of vehicle or property damage
  • Eyewitness accounts
  • Cause of the collision
  • Citations or violations

Though the police may file a complete report, it is always wise to follow up with your own photographs or statements. If necessary, conduct a reconstruction to identify victims and at-fault drivers. A comprehensive investigation is a key to settling.

Insurance for Independent Electricians

Insurance is important for any business, but when you work for yourself it’s literally your best protection against misfortune, injury, or professional loss. You need coverage that takes care of your tools, your health, and your liability in the event of errors that result in losses to your customers or others. No one likes to think about it, but everyone makes mistakes sometimes, and that’s what insurance is there for. Sometimes, it’s not even something you can control, it’s just a result of circumstances on that job, so you need a provider who settles claims quickly to keep customers content with your service.

More Than Just Professional Liability

While protecting your customers is important, you also need equipment and vehicle coverage for your operation. What kind? It depends on whether you own your vehicle and the business uses it or vice versa. This is just one of the issues that have to be configured for comprehensive self employed electrician insurance that works for you. Don’t forget coverage for yourself in the event of lost business if you get injured. Your health insurance can take care of your medical bills, but you need additional coverage if you want to make sure you have the funds to get back on your feet and reopen your business after an injury.

Cargo Insurance for Semi Truck Owners

Big rig owners carry heavy loads over dangerous roads in all types of weather throughout the year. Along with hours on the road hauling the freight can come risks to yourself and your loads. As a driver or truck owner, you can easily protect yourself from problems with the cargo by purchasing insurance for semi-trucks. Here are a few of the many reasons to obtain the coverage.

Liability Insurance

When you store freight in a storage unit or warehouse, you need to protect the goods and yourself with liability insurance. Your policy can be tailored to meet your needs with specific

  • Provisions
  • Consolidations
  • Blankets

All you need to do is specify the amount of liability you agree to assume.

Cost Protection

The cost of insurance is much less expensive than losing a load of electronics or heavy equipment. With the number of accidents that occur each year involving big rigs, it is essential to protect yourself with truck cargo and freight insurance.

Risk Coverage

How you operate, the loads you carry, and the time you spend on the road are all part of the risk exposure you operate under each day. Communicate any concerns about exclusions or coverage to your insurance broker to create a policy that fits your needs.

Complete Security

To provide adequate insurance for semi-trucks you drive or own, protect yourself with a cargo policy and liability insurance policy. Make the phone call today to better understand what coverage is available.

Types of Sanitation Company Insurance

Sanitation is an essential part of today’s society. Whether it’s permanent or portable sanitation, making sure the companies who provide these necessary services are protected is beneficial both for the companies and the community. Knowing what kind of sanitation company insurance is available can get your company on the right path to ensuring the safety of yourself, employees, and residents.

General Liability

The most common form of insurance is general liability. This protects companies from claims or lawsuits over accidents you might be liable for. If someone gets injured on your property or using one of your services, you are protected under this insurance.

Property Insurance

This insurance prevents you from paying for any damage that occurs on your property out of pocket. Any weather-related damage can be covered under this type. In some cases, vandalism and theft are also covered under this policy, though you can take out coverage for those specifically. This is a good idea if you have a lot of expensive equipment stored on site.

Workers Compensation Insurance

Workers’ compensation insurance may be legally required in your state. If not, it is still a good idea to get it. In the event of an injury on the job, an employee can get their expenses covered without suing you.

Covering all your bases with the right insurance policies is vital in today’s business. Not having coverage risks financial downfall in the future.

Why Your Operation Needs USLH Coverage

Chances are that if you operate any type of business then you are familiar with workers’ compensation policies and the need to protect your company if claims arise. However, if your business – or even just a single project – operates near a waterway then you may be required to have coverage under the USL&H act. The United States Longshore & Harbor Act provides coverage to employees that are working in certain maritime conditions.

Understanding Differences

Scenarios covered by USL&H are typically excluded in a standard workers’ compensation policy. USL&H also does not cover seamen on a flagged vessel, as this falls under regulations of the Jones Act. It applies to other employees that are working on or over navigable waters. Below are just a few examples of areas where this will apply:

  • Shipbuilding
  • Ship repairing
  • Marine manufacturing
  • Marine construction
  • Marinas
  • Boat dealers
  • Dockworkers

It is important to note that certain facilities are excluded even though they may be on navigable waters. This includes recreational operations such as country clubs or resorts.

If your company is doing work on or near a waterway, it is essential to understand the laws that protect your workers. It can be costly to ignore these regulations and not have insurance to properly protect your business.

Building an Employee Benefits Package for Your Company

Offering your employees an excellent benefits package will help you recruit and retain an outstanding workforce. Many employees value benefits almost as much as salary, so it’s important to choose benefits that are desirable yet affordable.

Health Insurance

Employers with a large number of employees are generally required to offer health insurance, so it’s one of the most essential employee benefits to budget for when you’re building a benefits package. Typically, an employer will pay a percentage of an employee’s coverage costs in a group plan.

Disability Insurance

In the event that an employee is unable to work due to an illness or injury, disability benefits can compensate them for the time that they need to recover. Short-term disability will address absences that aren’t significant in duration and long-term disability can cover absences that are greater than six months.

Life Insurance

Many employers can affordably provide life insurance policies to their workforce. Policies can be for a set amount or they can be equivalent to an employee’s annual salary. The policies will remain in effect for the duration of someone’s employment.

In order to build an attractive benefits package that will fit into your operating budget, you should work with an insurance provider who is experienced in serving businesses in your area. 

How the United States Long shore and Harbor Workers Compensation Act Protects Employees

Maritime work can be difficult, and many tasks require skill and training. Injuries that occur may not be covered by standard insurance programs because of their nature or where the work is performed. To understand how you can protect both your business and workers, you should conduct research into the United States Long shore and Harbor Workers Compensation Act (USL&H).

What Is the USL&H?

The USL&H is a federal law that is designed to cover gaps in protections for employees performing work on open water. Basically, it serves to protect maritime workers who perform tasks on the navigable waters of the United States. It also covers work performed in adjoining areas like docks or terminals. Companies with marine employees must carry coverage to comply with the United States Long shore and Harbor Workers Compensation Act. Failure to do so can result in a penalty of up to $10,000 or possibly imprisonment.

What Benefits Does It Provide?

When an injury to a worker happens on navigable waters, they are covered by the USL&H. Costs associated with medical care, rehabilitation services and lost wages can be compensated. It also has provisions for survivor benefits to be paid if an injury results in the death of a worker.

Having appropriate insurance coverage can help you avoid costs associated with medical care and fines. At the same time, it can ensure that your workers receive the care and wage replacement they are entitled to in the event of an injury.