Click to Call
White Oak Insurance LLC

500 Bic Dr, Suite 102
Milford, CT 06461

Get Directions

White Oak Insurance LLC Blog

3 Types of Commercial Insurance That Most Businesses Need

If you haven’t thought about commercial insurance for your business, you are taking a big risk. More than 45% of new businesses fail within the first 5 years. So many things can go wrong but you can lessen the impact by having the correct commercial insurance. At White Oak Insurance LLC in Milford, CT, we use our experience in commercial insurance to help our customers make the right decision. 

Commer Insurance: What Coverages To Consider

Commercial Property Insurance

You may think that since you are a renter, or have a home business, you don’t need commercial property insurance. That is the wrong way of thinking. Commercial property insurance is not just about the physical building, it is about the things that you use every day in your business. If you have an office, it will cover your desks, files, computers, phones, and copier. If you are a manufacturer, it covers your raw materials and your machinery. For stores, it is your registers, inventory, display racks, and more. 

Commercial Liability Insurance

Liability is one of the biggest risks that most businesses face. In a world where suing businesses is a national pastime, the chances of you getting sued are very high. About 33% of businesses get sued in any given year. Some businesses are at higher risk than others, but taking this risk is not worth it for most businesses when legal action could put you out of business. Even if you win the case, the cost of the legal defense could be very prohibitive. 

Workers Compensation Insurance

Connecticut requires that employers who have one or more employees, no matter whether they are full or part-time, cover them with workers’ compensation insurance. Their weekly wage doesn’t matter.   

Give Us A Call

Contact White Oak Insurance LLC in Milford, CT to have your business risks reviewed and your commercial insurance needs met. 

Should I add my teen driver to my auto policy or get them their own?

When teens begin driving, it is often a life event that makes them think of themselves as an adult. As a parent of a teen driver, you may feel that they’re still your child who needs protection! And, car insurance is one of the major life expenses that they may be responsible for themselves. Oak Insurance LLC can help find the right coverage for your new Milford, CT area driver.

The right insurance policies for teen drivers

When your teen starts to drive, you may wonder if they should have their own insurance policy. Choosing between that option or adding them to the family auto policy, depends on the situation.

For many, putting their new driver on their own auto policy is a great way to help them understand responsibility. Paying all or a portion of their auto insurance is a great way to introduce your teen to budgeting and financial responsibility. On the other hand, it may be more economical for some families to include their teen driver in the family policy. 

Whatever option may be right for your family, it’s important that the auto policy provides sufficient coverage. Understandably, teens and other new drivers can have more fender benders and dents and dings. This can mean that they also have more claims. And, if the teen is on the family auto policy, this can lead to higher premiums for everyone.

Let us help your family with all of its insurance needs!

White Oak Insurance LLC is here for all the residents of the Milford, CT area. We can help you find the right policies to keep your family protected. Our office team is here for you. Give us a call or come by today!

Does a car in the process of restoration need classic car insurance?

Perhaps you think that your latest vehicle purchase in Milford, CT doesn’t need insurance yet because you bought a classic car that needs a little work to make it road ready. However, it is important to have classic car insurance, specifically restoration coverage, from the moment of your purchase. Stop by White Oak Insurance LLC to learn more.

What does restoration coverage provide?

You get the peace of mind of knowing that if anything happened to your classic while you restore it, you would not lose the money you already invested. Adding restoration coverage to your classic car insurance means your policy automatically adjusts the value of the vehicle over time, typically on a quarterly basis.

Restoration coverage does come with one stipulation. You must restore your classic car using original manufacturer (OEM) parts and to the vehicle’s original design. That means you cannot use aftermarket parts. You also can’t make modifications to the original design; otherwise, it would not technically qualify as a restoration.

If you want the body of the classic vehicle but to upgrade the internal parts – the mechanical – to modern specifications, you’ll need standard auto insurance for it. If you want to restore a classic vehicle to its original factory-made specifications, you can cover it with classic car insurance and include restoration coverage on the policy to protect your ongoing work.

Advantages of Classic Car Coverage

Classic car insurance saves you money and costs less than regular auto insurance since you agree to drive the vehicle less frequently and keep it in a covered, secured garage.

Contact White Oak Insurance LLC serving Milford, CT to learn more about your classic car insurance options. Call us today.

How Does Umbrella Insurance Work?

When you have insurance policies on your house and vehicle, you may not have enough protection for all of your risks. With umbrella insurance, you get more coverage for a low price. If you are interested in umbrella insurance, you can find out more by calling us today at White Oak Insurance LLC in Milford, CT.

Liability Insurance

Your policies for your home and vehicle each come with some protection for liability in case of an accident. However, the amount of each is often too low to pay for a major accident. It’s a good idea to get more liability insurance than the amounts that come with these policies, but adding coverage to each of your policies can be expensive. Many people don’t want to pay much more for better liability coverage. That’s why getting umbrella insurance is becoming more common. It is a way to add to your liability coverage without those high premiums. 

Using Umbrella Insurance

When you have an umbrella policy, it pays for overages that you have after other policies have paid out. For instance, if you have an auto accident, your auto insurance would pay for the medical bills that come from it but only up to its maximum. If it was a severe accident, there might be a lot left over after the auto insurance has paid as much as possible. That policy would kick in and pay for those leftover medical bills if you had umbrella insurance. This is essential insurance for many who would not be able to afford a large amount of medical bills after an accident. 

Get an Umbrella Insurance Policy

There are umbrella policies if you want more liability coverage for your home and auto, but you don’t want to pay too much for it. If you are interested in getting a policy or want to find out more, call us now at White Oak Insurance LLC in Milford, CT.

Basic Steps to Filing an Auto Insurance Claim

No matter how careful you are as a driver in Milford, CT, an accident can happen. If you have never been involved in an accident, you may be clueless as to what steps you should take. One thing you definitely should do is file an insurance claim with your insurer. White Oak Insurance LLC wants to ensure all Milford, CT residents are familiar with what to do after an accident. 

Call the Authorities

It doesn’t matter how minor or major the accident is, you should contact the authorities. An officer will ensure everyone involved in the accident is safe while keeping traffic away from the accident scene. Further, you will be given a police report for the accident, which is a key element when filing your auto insurance claim.

Speak to the Other Driver

Although you should exchange insurance information with the other driver, you should never, ever accept responsibility for the accident. This is true even if the collision was indeed your fault. A simple apology can be taken out of context and used against you. Keep interactions short and sweet.

Take Note of Specific Details

Apart from contact information from the other driver(s), you should also take note of the location and time of the accident. You should also take note of the road conditions, damage to all vehicles and property, and potentially eyewitness statements and contact information.

Call Your Insurance Company

As soon as you have spoken to the police, obtained information from the other driver(s) and scene, and received the necessary medical attention, get in touch with your insurer so you can file an auto insurance claim. Provide them with as many details as you can, including pictures, video, and eyewitness statements. Don’t forget to be honest as you retell the events that transpired.

If you have any other questions about what you should do when filing an auto insurance claim in Milford, CT, don’t hesitate to reach out to the professional insurance agents at White Oak Insurance LLC.

Benefits of comprehensive commercial policies

The White Oak Insurance LLC team is here to provide business owners in the Milford, CT area with the commercial insurance they need. If it’s time to review your commercial policy, give us a call today. We are here to help you with all of your insurance needs!

Comprehensive commercial insurance benefits for business owners

Owning a business is more than a full-time job. Most entrepreneurs live and breathe their businesses day in and day out. It only makes sense to carry the most comprehensive commercial insurance available to protect all of your hard work.

With features such as business interruption coverage, key personnel protection, and robust coverage of equipment, assets, and inventory, it only makes sense to have a comprehensive policy in place. Our team is here to help you review your protection needs and help you determine which policy features best meet your needs.

Insurance needs can change over time, especially when it comes to protecting commercial interests. Don’t let your company languish with insufficient coverage. Find out more about your options today. Working with a local agent who can best understand your needs puts you ahead of the game. We want to ensure that your business community has the right commercial coverage. Let us help you review your options and find the coverage that works for you.

Don’t delay, give us a call!

If you are a business owner in the Milford, CT area, White Oak Insurance LLC is here to assist you with all of your insurance needs. Now is a great time to reach out to our office and schedule a consultation to review your insurance portfolio. Give us a call today!

Comprehensive Insurance: What Does This Cover?

Comprehensive auto insurance is something we at White Oak Insurance LLC provide for Milford, CT residents. However, we know that the different policy options may seem confusing to many. Thankfully, we’re here to help you better understand your options.

What a Comprehensive Policy Covers 

A comprehensive insurance policy provides a broad range of different coverage options that should work well for many people. These include a myriad of various problems that may occur at any time, including things like:

  • Severe damage caused by an accident 
  • Destruction caused by a falling object, like a tree
  • Civil disturbances, such as riots, damaging your car 
  • Theft or vandalism that impacts your vehicle 
  • Animal damage that may affect how well your vehicle runs 

This type of policy is designed to expand beyond your traditional liability and property damage policies to provide a more cohesive coverage plan. That said, there are some things that it won’t cover. Understanding these issues will ensure you don’t run into any troubles:

  • Damage to your car during a car accident 
  • Any damage to another person’s car during a collision 
  • Your medical expenses after an accident 

Thankfully, traditional liability and medical expense coverage can help protect you from these issues. As a result, it is essential to talk to your agent to learn more about whether or not you are covered. Then, they can examine your various options and ensure that you get the help you need here. 

Find a Policy You Can Trust 

If you’re not sure about what kind of auto insurance policy you want or want to upgrade your coverage, please don’t hesitate to contact us at White Oak Insurance LLC to learn more. We can help Milford, CT residents find the policy that makes the most sense for their needs.

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.

Factors to Consider When Getting Auto Insurance

Auto insurance can be complicated for most people, especially if this is your first time buying insurance. There are many insurance agencies, agents and brokers, and deciding who to go with can be overwhelming. However, here at White Oak Insurance LLC, serving Milford, CT, we want to ensure you make an informed choice. Here are some factors to consider when buying auto insurance.  

The Coverage You want

Under auto insurance, there is a lot of coverage for collision, comprehensive, personal injury, and insured and underinsured coverage. It is advisable you understand each of these to protect your car adequately. Once you have an idea, approach an insurance company and get more additional information you may want.

Insurance Brand

You also need to consider the insurance brand you plan to work with. Read online reviews to learn about the reputation of a company. If there is a high level of customer satisfaction, you can proceed with the insurance company.

Your Deductible

The deductible is the amount you will pay before your insurance pays for the expenses arising from the accident. Therefore, consider how much you can comfortably pay out of pocket if there is an accident. Also, note that a lower deductible means you will have to pay higher premiums and vice versa.

Your Car

The brand and model of your car will have an impact on your auto insurance policy. There are cars prone to theft, while others have a low safety rating. Therefore, if you have a specific budget for your insurance, consider getting a car with high safety ratings.

With auto insurance being mandatory in Milford, CT, you have to factor in all considerations before purchasing insurance. It will help you make the right decision. Here at White Oak Insurance LLC, we want you to feel confident when buying auto insurance. That is why we are ready to answer any questions you might have. Contact us today for any assistance.

How is classic car insurance different?

Classic cars are loved in Milford, CT. White Oak Insurance LLC wants to make sure every classic and antique owner can keep their favorite vehicle street legal for many years to come. That is why we offer classic car insurance. However, there are many laws and exemptions applying to a classic that are not considered for a regular vehicle. 

Classic cars do not need a title.

Vehicles with a model year over 20 years old are not required to have a title when registering with the Connecticut DMV. In lieu of a title, classic cars need registration from the previous owner. Other prerequisites for registration still apply. This includes having an acceptable form of identification and proof of insurance. 

Some classic cars are exempt from emissions testing.

Vehicles with the model year of 1996 or older are exempt from emissions testing within the state of Connecticut. Likewise, vehicles that are over 10 years old are not required to have a safety inspection. Classic vehicles made after 1996 are still required to undergo emissions testing every two years. 

Classic car value is limited by the state.

Special interest, rare, or antique vehicles cannot be assessed for more than $500 in value. Under this law, any vehicle that is over 20 years old can be considered a classic. Additionally, these vehicles must be considered as being preserved for historic interest. They cannot be altered or modified from the original manufacturer specification. 

Classic cars must be insured.

Every driver must carry liability insurance, even when they are driving a classic or antique vehicle. The state’s financial responsibility laws state drivers must have minimum liability insurance and uninsured motorist insurance. 

White Oak Insurance LLC is the one-stop shop for Milford, CT drivers who need insurance. Contact us today to discover what we can do to protect you and your classic car.


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