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Milford, CT 06461

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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.

Do I need home insurance if I don’t have a mortgage

Milford, CT was settled in 1639 and is very proud of its place in the history of Connecticut. It has always been a desirable place to call home, and nothing has changed in that respect. Homeownership comes with plenty of things to worry about, but whether or not you have the right home insurance shouldn’t be on that list.  With the team at White Oak Insurance LLC available to help you, choosing the right insurance should be a snap.

When you have paid off your mortgage, you may wonder if you still need home insurance. Everyone likes to save money, but this is one case where saving a little bit of money could end up costing you a lot of money. Home insurance offers some valuable protections that could save you a lot of sleepless nights if you don’t keep your home insurance.

Bad things can happen without warning, and you don’t have to be engaging in any risky behavior to be a victim. No one is immune to the damage caused by things like tornados and other violent winds. In Connecticut, ice storms cause lots of damage. It will not only damage your physical home; it can destroy all your personal possessions. Your home insurance can help you to replace what is lost. 

Being without liability insurance can end up with you losing everything that you have worked so hard to accumulate. People get injured, people sue, it is a fact of life. Your liability insurance can help to pay a judgment against you. 

The answer to the question, “do I need home insurance if I don’t have a mortgage?” is yes, you do. At White Oak Insurance LLC in Milford, CT, we know that your home is your castle, and that castle needs to be protected at a price that you can afford. You can stop by the office or give us a call for a free no-obligation quote.

Why Work With Us?

  • Locally owned and operated
  • Works with multiple carriers
  • Combines policies for best rates
  • Customer friendly services
  • 24 hour policy access online

States Served

  • Connecticut
  • Massachusetts
  • Rhode Island
  • New Hampshire
  • Vermont
  • Maine

Partner Carriers

  • American Commerce
  • American Modern
  • AmTrust
  • Banner
  • Chubb
  • Dairyland
  • Foremost
  • Guard
  • Hagerty
  • Hanover
  • Harleysville
  • John Hancock
  • Kemper
  • Liberty Mutual
  • Lincoln Life
  • MetLife
  • Narragansett Bay
  • National General
  • National Grange
  • New York life
  • Progressive
  • Prudential
  • Quincy Mutual
  • Safeco
  • State Auto
  • The Hartford
  • Travelers
  • Utica 1st