How Does Pulling a Trailer Affect Auto Insurance?

Before towing a trailer with a vehicle, be sure to contact your agent at Koverage Insurance Group, serving Enfield, CT and the surrounding area. There are many types of things that a vehicle can tow, which include campers, trailers that carry horses, utility trailers, and trailers used to haul boats. There are trailers for motorcycles, snowmobiles, watercraft, ATVs, and others. All of these uses may require special insurance.

Your auto insurance may partially cover some risks when towing a trailer; however, there are many considerations that can affect your insurance coverage For anything that you want to tow, you probably need to expand your auto insurance coverage.

Please note that we are just describing some general information about the possibilities. For the specifics about your coverage, talk with your agent.

Here are some main concerns:

  • Own or Rent: There is usually a difference in insurance coverage if the trailer is owned by the insured driver or if the trailer is rented. Coverage for a rented trailer may be excluded under an auto insurance policy. In that case, you may need to get insurance for the trailer from the rental company.
  • Fault: An auto policy may cover liability for damages caused to others and their property when the accident is the fault of another person but may not cover any damage if the accident is your fault.
  • Extended Coverage: Extra insurance coverage may be required for the things you will pull with the trailer, such as a boat, or your personal property such as things carried in a camper or horses transported in a horse trailer.
  • Personal vs. Commercial Use: Any commercial use of a trailer requires a different kind of insurance than the type that covers personal use. Err on the side of caution because things like entering a horse in a horse show may be seen as a commercial venture, especially if cash prizes are awarded to the winners. Even an occasional commercial use, means the trailer and auto may need to be insured for commercial activities.

Contact your agent at Koverage Insurance Group in Enfield, CT by calling or using the convenient online form to get a quote for auto insurance that also provides adequate protection for things that you tow and for any trailers.

Koverage Insurance Group LLC News

FOR IMMEDIATE RELEASE

KOVERAGE INSURANCE GROUP LLC REPRESENTING CENTRAL INSURANCE COMPANIES

Koverage Insurance Group LLC, 657 Enfield Street, Enfield, CT is proud to announce they are now representing the Central Insurance Companies of Van Wert, Ohio.

Established in 1876, Central is a highly respected company that values long term relationships and knows the importance of personal, friendly service. The Central Insurance Companies are made up of Central Mutual Insurance Company, and All America Insurance Company. Central operates in 24 states with their Home Offices in Van Wert, Ohio. Central’s A.M. Best rating is A (Excellent).

Koverage Insurance Group has been serving the insurance needs of CT residents and businesses for “over 100 years combined” Koverage Insurance Group is comprised of multiple insurance agencies in CT.  Koverage was founded by The Jarrett Agency, DiLorenzo Insurance and Stephen Rak Insurance Group. Koverage is dedicated to providing the best insurance carriers available to its clients.

Call Michael DiLorenzo at 860-745-4222 for more information about Koverage Insurance Group LLC or visit their web site at www.koveragegroup.com.      

For additional information contact:

Michael DiLorenzo @ 860-745-4222

Must Have Commercial Coverage for Small Businesses

Protecting your small business with commercial insurance will help it prevail through the good times and the bad. If you’re not prepared, an unforeseen disaster could lead to financial ruin. Commercial insurance from Koverage Insurance Group can protect your Enfield, CT enterprise from liability claims, property damage, loss of inventory, loss of income and more. Here’s the coverage you need to protect your fledgling enterprise:

Business Property

Business property coverage will protect your building, business equipment, inventory and signage from disasters like fire, wind damage, hail, rainstorm and more. You never know when disasters will strike but you can be prepared with proper insurance coverage.

Liability Coverage

As a business owner, you have several choices of liability coverage – general liability and professional liability. General liability protects your business from accidents customers may have on your property by covering the cost of their injuries or property damage. Professional liability protects you against claims customers may make against you or your employees due to faulty services or products.

By purchasing a BOP (small business owner’s policy), you get both of these coverages in one policy as opposed to buying them separately.

Workers’ Comp Insurance

If you have one or more employees, most states require that you get worker’s comp coverage to protect your workers against injuries on the job.

Business Interruption

Business interruption can protect you against financial loss if you have to shut down temporarily due to a disaster. This coverage covers loss of income, employee wages and the rental of a temporary location while your old place is being repaired.

Commercial insurance is your first line of defense against disasters that can cause you financial loss. For customized commercial insurance coverage to meet your business needs, contact your Koverage Insurance Group agent in Enfield, CT.

Does your Connecticut home insurance policy have the coverage that you may need this Winter?

2019 is off to a brutal start, and it does not appear that the winter weather is going to let up any time soon. If you are in the greater Enfield, CT area and would like to review your current homeowner’s policy for completeness, the team at Koverage Insurance Group is here to help. Cold and wet weather can cause all kinds of damage to your home, from roof leaks to frozen types. Don’t wait until it’s too late to find out that your current policy doesn’t provide the protection you need.

Comprehensive home insurance options in Connecticut

Cabin fever is just the start of the fallout that winter weather can cause in the New England area and the northern part of the country. Cold temperatures can cause frozen pipes and icy sidewalks and driveways. While snow can cause damage to your roof due to its excess weight. Many homeowners neglect to consider a review of their liability coverage when inclement weather comes to town. Slips and falls can become more prevalent when there is ice and snow on pathways, and if an injury occurs on your property, you may be held responsible for any damages or injuries. When you have the comprehensive home insurance policy that provides you with the correct level of protection, you can rest assured that you will be covered no matter what this winter may bring! Make sure you have the right policy at the correct level today.

Don’t find out that your homeowner’s coverage is incomplete AFTER your house is damaged; make sure that you have the coverage that you need! If you are in the greater Enfield, CT area, call or stop by the Koverage Insurance Group today to learn more.