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Milford, CT 06461

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Connecticut Commercial Insurance – Difference Between Negligence and Reasonable Duty Of Safety

If you own a business in Connecticut, it’s a good idea to consider purchasing commercial insurance.  Commercial Insurance protects the business from most forms of damage, whether they’d be of a physical or a civil (lawsuit) nature.  Civil protections are important at all times of the year, but especially in the winter because New England is known worldwide for the amount of snow and ice that we see every year.  All it takes is one slip & fall accident outside your business to warrant a liability civil event. White Oak Insurance LLC in Milford, CT has many options for business owners and commercial insurance.  We will take a look at the difference in a business owner’s liability between negligence and reasonable duty of safety. 

Reasonable Duty Of Safety

A business has an RDOS (Reasonable Duty Of Safety) to uphold not only to their customers but to the populace at large.  This RDOS comes into place during the winter in terms of snowfall and ice buildup around the business on public walkways and entryways.  A business can’t be expected to clear snow and ice during a heavy snowfall event or blizzard.  There is a reasonable legal expectation of the appearance of snow and ice around a business during a heavy precipitation event.  So, if someone walks in a blizzard and slips and falls in front of the business, there is no legal expectation that there shouldn’t be snow and ice in front of the building, therefore, lawsuits would be hard to win in court.


Let’s take that same scenario and instead of walking in front of the business during the blizzard, the same person walked in front of the business a week later in good weather.  The snow and ice haven’t melted away yet and there’s an abundance of it just outside the front door of the business.  The business had a reasonable amount of time to remove the snow and ice and elected not to.  Therefore, there is a legal expectation that the snow and ice should have been removed.  If this same person slips and falls under these different circumstances, that person would have legal standing to file a lawsuit against the business for criminal negligence that can cause injury.  Commercial Insurance would mitigate the out-of-pocket costs for the business under this scenario.

To Learn More

Contact White Oak Insurance LLC in Milford, CT today to learn more about commercial insurance.

Commercial Insurance Add-ons to Consider

As with your health or car insurance, commercial insurance is one insurance coverage that you wish you will never have to use. But because businesses operate in an uncertain environment, you can’t rule out unforeseen mishaps. In that case, investing in commercial insurance can be the difference between failure and success for the business you have worked so hard to bring up. 

Investing in commercial insurance is one thing, but do you know add-ons you should include in your coverage to get the best out of it? If not, White Oak Insurance LLC shares business insurance add-ons to consider for your Milford, CT business. 

Workers’ comp insurance

This insurance is mandatory in Connecticut if you have employees, whether seasonal, full-time, or part-time. Workers’ comp insurance protects your employees by covering their medical expenses for illnesses and injuries suffered in the workplace. 

Commercial auto insurance

Do you have business vehicles? The law requires you to carry commercial auto insurance with liability and uninsured liability coverages. Even though you are using your car to carry out commercial operations, it’s vital to upgrade personal auto insurance to commercial auto insurance. This way, your vehicle and driver will be covered optimally in the event of an accident. 

General liability insurance

While this coverage isn’t legally required, every business should invest in this insurance plan to protect their finances against expensive lawsuits. This coverage protects your business against property damage, advertising injury, and bodily injury occurring to third parties — like customers and vendors. 

Commercial property insurance

Whether traditional, home-based or online, your business has assets — talk of computer equipment, furniture, inventories, buildings, and so forth. Commercial property insurance covers your business assets from perils like theft, fire, vandalism, and certain natural calamities. 

Invest in commercial insurance in Milford, CT today!

The above are just examples of add-ons you can consider for your business. Of course, you consider different coverages, given the nature of your business. Would you like to get more information on commercial insurance? Please contact White Oak Insurance LLC for insights. 

Required Commercial Insurance in Connecticut

Every state has its own laws about the commercial insurance that businesses must-have. In Connecticut, two insurance types are required for most businesses. There are also many other types of commercial insurance that your business may need depending on its industry. If you need commercial insurance for your business, call us at White Oak Insurance LLC in Milford, CT. 

Workers’ Compensation Insurance

In Connecticut, any business that has employees has to have workers’ compensation insurance on them. This is true whether the employees are seasonal, part-time, or full-time. The only exception to this rule is household, domestic workers who work up to 25 hours a week. For businesses that require this type of insurance coverage, it provides a way to pay for the medical bills of injured or sick workers while on the job. This allows the business to get those bills paid without having to dip into company funds. It also helps employees know that if they should have an accident, there are funds to pay for its expenses. 

Commercial Auto Insurance

Every vehicle that is owned by a business in Connecticut must have commercial auto coverage. Personal insurance policies will not cover expenses from an accident that happened while driving for the business. However, personal insurance also won’t cover your private vehicle used for business but not owned by that business. For those vehicles, it’s a good idea to have coverage called hired and non-owned. 

Get Your Commercial Insurance

If your business doesn’t have the required insurance that it should, or you want more coverage to keep it safer, don’t hesitate to call us at White Oak Insurance LLC in Milford, CT. Don’t leave your business in danger of enormous medical bills or fines for not having the right insurance.

How to Structure Your Commercial Insurance

Your commercial insurance policy in Milford, CT should be customized to fit your business. When you structure it, you need to make sure that you’re getting the protection where you need it the most. White Oak Insurance LLC wants you to keep the following information in mind when you sit down to go over your coverage. 

First Threats First 

There’s a lot about commercial insurance that is pretty basic. So if a business was located in a part of town with higher instances of theft, they might want more protection for inventory loss. If they were located in a place that experienced a lot of water damage due to flooding, then they’d have extra coverage to ensure they had someone to call when rain was in the forecast or a pipe unexpectedly burst. While anything can happen, it’s good to start with the most likely scenarios. 

Additional Things to Consider 

When it comes to structuring your commercial insurance, you have to keep in mind how you will scale up your coverage in certain events. For instance, if you’re planning to expand your services or offer new inventory, will you be able to cover those losses should something happen? From liability protection in case you’re sewed to vandalism costs in case criminals break your window, your insurance needs to match the scope of your everyday operations. 

White Oak Insurance LLC knows that getting the right commercial insurance policy in Milford, CT isn’t always a simple process. If you have questions about a new policy or you’re looking to renew your old one, our staff is here to give you the right advice. Give us a call today to start looking over the options.

Does my small business in Connecticut need commercial insurance

Milford is one of the oldest cities in Connecticut and has a thriving business community. As a business owner, you know that owning your own business can be challenging, and there are plenty of things to worry about. One of them should not be whether your business is protected. Commercial insurance is not one size fits all, and the agents at White Oak Insurance LLC can walk you through the different options that may fit your business.

In Connecticut, the law requires that you protect your employees with workers’ compensation insurance. It protects your employee against work-related injuries or health conditions. Safeguarding your employees helps with retention, so it is a real benefit to your business. The only other type of commercial insurance that you need is commercial vehicle insurance if you have a business owned and used vehicle. 

But some types of commercial insurance are more valuable to your business. Commercial property insurance protects not only your actual location, but it also covers your business equipment, inventory, machinery, and other items that you need to do business. Commercial liability insurance protects you from legal action taken against you no matter what the reason. It can be someone hurt on your premise or by one of your products or services and even a disgruntled employee. 

Business interruption insurance can be valuable coverage if your business is affected by a covered hazard. Your day to day expenses doesn’t go away just because your company has been damaged. 

Having is successful business takes a lot of work. Let the experienced staff at White Oak Insurance LLC in Milford, CT help you to take some of the stress out of business ownership with commercial insurance that is tailored to your business. There is no need to pay for coverage you don’t need. Give the office a call for a  no-obligation quote.

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