CONNECTICUT BUSINESS INSURANCE

BUSINESSES WE INSURE IN CONNECTICUT

At Selective, we offer commercial insurance to over 400 types of businesses. Alongside our independent agency partners, we are proud to serve Connecticut businesses of almost any size, including, but not limited to:

• Contractors – general contractors (residential and commercial), electrical work, building services, excavation and land grading, street/road construction and water/sewer construction, water well drilling, painting and paper hanging

• Manufacturers and Wholesalers – electronics and electrical equipment, fabricated metals, furniture and fixtures, industrial machinery, miscellaneous manufacturing, technology

• Professional Offices – law firms, advertising agencies, medical offices, real estate agencies, architects, accounting firms

• Mercantile Services – building owners/lessors risk, retail food, retail goods, public golf courses

• Auto Services – including repair shops and body shops

• Consumer Assistance Programs – social services, senior living, municipalities, volunteer fire departments, private schools

Don't see your profession or want more information? Find a local independent agent in Connecticut for answers and a business insurance quote.

Connecticut Business Insurance from Selective

Selective and your independent agent can help you reduce risk and protect your business by customizing a business insurance solution tailored to you.

Additional Coverages for Connecticut Businesses

Selective offers a variety of insurance coverages and enhancements in Connecticut that can help address specific risks in your business, including:

• Workers Compensation can help pay for medical treatment, rehabilitation, lost wages, and disability benefits if an employee has a work-related injury or illness. It can also help protect you as a business owner by helping pay for legal costs if an injured worker sues your business.
• Commercial Flood Insurance in Connecticut helps protect your physical buildings or structures from flood-related losses, including damage to the foundation, walls, HVAC, wiring, and more. It can also protect you if there is a loss of contents, including furniture, equipment, inventory, and more.

• Product Recall can help your business navigate product recalls, minimize financial losses, and pay for covered expenses such as hiring temporary employees or product disposal.

• Management Liability Insurance is a suite of coverages that can help protect your business from financial losses not typically covered under standard commercial general liability policies. MLI coverages include Directors and Officers (D&O), Employment Practices Liability Insurance (EPLI), and Fiduciary Liability (FLI).
• Commercial Auto Insurance can help protect your company vehicles and drivers on and off the road. It may also help pay for medical bills if you, your employees, or passengers are injured in an accident in which your company is at fault.

FREQUENTLY ASKED QUESTIONS ABOUT CONNECTICUT BUSINESS INSURANCE

How Much Does Commercial Insurance Cost in Connecticut?

The cost of commercial insurance varies from business to business in Connecticut. Factors that can affect your cost include (but are not limited to) the number of employees, location, payroll, and the types of vehicles you own. Your local independent insurance agent can help you assess your risks and customize a commercial insurance policy to match.

Is Workers Compensation Insurance Mandatory for Employers in Connecticut?

Businesses in Connecticut must carry worker's compensation insurance if they employ one or more full-time, part-time, seasonal, or occasional workers. Without workers' compensation insurance, you may be held liable for all benefits provided under Connecticut law if an employee gets injured or becomes ill on your premises. A worker's compensation policy may also provide injured workers with a portion of lost wages if they take time off to recover.