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Crumbling Concrete Foundations Legislation

Category: Blog

Several bills addressing the problem of crumbling concrete foundations are moving through the General Assembly, including one proposal that would create a Crumbling Foundations Assistance Fund. The account would be funded partly by a $12 surcharge on homeowners and renters policies and would be overseen by the Capitol Region Council of Governments. Besides the surcharge, … More

Professional Insurance Agents to Hold 2017 Federal Legislative Summit April 5-6

Category: Blog

Members of the National Association of Professional Insurance Agents (PIA) will bring their concerns directly to Capitol Hill when they convene April 5-6 in Washington, D.C., for the 2017 PIA Federal Legislative Summit (FLS). The annual PIA Federal Legislative Summit is a gathering of PIA members from around the country who come together to meet … More

Summer Interns: Is Worker’s Compensation Insurance Required?

Category: Blog

Are you required to cover your summer interns with worker’s compensation insurance? In a word—yes. The Connecticut Workers’ Compensation Act defines “employee” to mean any person who … “has entered into or works under any contract of service or apprenticeship with an employer whether the contract contemplated the performance of duties within or outside the … More

What is COBRA?

Category: Blog

The federal COBRA program applies to all employer group health plans that provide medical, dental, vision or prescription drug coverages. COBRA (an acronym for the Consolidated Omnibus Budget Reconciliation Act) affects employers with 20 or more employees (counting part-time as well as full-time, and counting people whether or not they participate in the health plan). … More

CTYIP honors Katie Bailey with Young Insurance Professional of the Year award

Category: Blog

The Professional Insurance Agents of Connecticut’s Connecticut Young Insurance Professionals today presented Kathleen Bailey, ACSR, CLCS, with the CTYIP 2017 Young Insurance Professional of the Year award at the CTYIP Annual Business Meeting during PIACT’s Annual Convention at Foxwoods in Mashantucket, Conn. Bailey is an agent with The Russell Agency LLC in Southport, Conn. An … More

PIA Top Priority Private Flood Insurance Bill Introduced

Category: Blog

WASHINGTON — The National Association of Professional Insurance Agents (PIA) thanks Congressmen Dennis Ross (R-FL), Kathy Castor (D-FL) and Senators Dean Heller (R-NV) and Jon Tester (D-MT) for today introducing the Flood Insurance Market Parity and Modernization Act. “This legislation, a top priority for PIA in 2017, seeks to encourage the development of a private … More

Engagement Ring, Who is responsible for insuring it?

Category: Blog

An engagement ring is insured on an inland marine policy form, a type of property insurance. We know that two conditions must be met in order for a property insurance policy to pay for a loss. Condition 1. Insurable interest in the property is a necessary condition for payment under a contract of indemnity. You can … More

How Much Unit Owners Additions and Alterations Coverage Should I carry on My Condominium Unit Owners Policy?

Category: Blog

In order to write a condominium unit owners policy with the appropriate Coverage A limit, you must know what the association and unit owners are responsible for insuring. Most Connecticut associations are following the statutory default, which means the association is responsible for insuring the unit owner’s improvements and betterments, as well as the entire unit … More

Help! I backed into my garage door!

Category: Blog

While backing up, you accidentally run into the garage door you just installed. Do you submit the claim to your auto or homeowners insurance carrier? Since it appears that you own the garage, damage to the door will not be covered by your personal auto policy. The ISO form reads: EXCLUSIONS We do not provide … More

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