Connecticut Insurance Insights

The National Flood Insurance Program's authority to write new policies expires at midnight on September 30, 2026. Here is what actually happens to a Connecticut closing if Congress does not act before then — and what does not.

A surprise workers' comp audit bill for uninsured subcontractors is only half the story in Connecticut. Under CGS 31-291, a general contractor can be made to pay the injured worker's benefits directly, not just the premium.

Connecticut's new labor and employment law adds an uncapped workers' comp benefit, expands pay transparency liability, and makes general contractors liable for a subcontractor's unpaid wages. Here is what each means for your coverage.

Connecticut approved another statewide workers' compensation loss cost decrease for 2026. If your renewal went up anyway, the reason is specific to your business, not the state of the market.

As of July 1, 2026, Connecticut sellers must disclose flood zone, flood history, and current flood coverage on the residential property condition report. Here is what that means for your sale and your buyer's insurance.

A failed sump pump or a backed-up sewer line is one of the most common reasons a Connecticut homeowners claim gets denied — and the reason is written plainly into the policy exclusions, not hidden in fine print.

A collector car titled to Connecticut's Early American plate is not just a registration choice — it is a signal that your standard auto policy is settling the vehicle on the wrong basis entirely.

If you employ a nanny, estate manager, or household staff, your standard personal umbrella policy almost certainly excludes claims they might bring against you as an employer. Here is the coverage gap and how it gets closed.

Your condo association's master policy does not cover as much as most owners assume, and when it falls short, the difference gets billed back to every unit owner as a common expense. Here is where your own HO-6 policy needs to pick up the rest.

Connecticut became the first state to give every resident an address-level climate risk score at no cost. Here is what the five risk categories actually measure, and why one independent study says the flood number runs high.

Standard homeowners policies never cover flood. Here is how to look up your own parcel's FEMA zone, where NFIP limits run out on a higher-value Connecticut home, and how excess and private flood fill the gap.

Umbrella limits are usually set by habit rather than analysis. Here is what an umbrella sits above, how underlying-limit requirements create hidden gaps, and how to size a limit against real household exposures.