Business Insurance

Products

Our Portfolio of Business Insurance Products

Since 1932 we have been helping businesses throughout Dayville, Norwich, and the state of Connecticut, protect against the risks they face day-in, day-out, to help them safeguard the value they’ve worked so hard to build. Contact us today to make sure your business is covered.

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Business Auto Insurance

Connecticut legally requires any large or small business owner that owns at least one vehicle to carry commercial auto insurance. The state-mandated minimums are liability coverage for property damage and bodily injury, and coverage for uninsured motorists. You can also expand your policy to include coverage for collisions and workers performing business duties in their personal cars. Commercial auto coverage provides the unique protection your business needs.

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Claims Management

If your company has ever suffered an incident covered by an insurance policy, you are likely familiar with the time-consuming claims process. You have to report the event, document the losses, gather fault evidence, and work with adjusters. Our claims management service can lead your business through the claim process as well as negotiate disputes and provide audit support.

 

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Cyber Liability

Malicious hacking tactics continue to evolve at the same rate as cybersecurity measures, and even small business owners are at risk for a data breach. If any of your business operations or transactions take place digitally over the internet or use cloud storage, you could be vulnerable to external and internal cybersecurity threats. Cyber liability is critical to combat this.

 

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Directors & Officers

Corporate officers, directors, and chief executives could face a risk of lawsuits that target their personal finances and properties in addition to the company’s assets if an exposure incident stems from negligence or upper-level mismanagement. Damages sought can add up to millions of dollars, and umbrella policies often do not protect your business’s from liability in corporate wrongdoings. D&O liability coverage protects your most valuable.

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General Liability

General liability insurance exists to cover incidents that fall under your duty of care in the state of Connecticut. These costs could be for repairs for damage caused by one of your workers, medical expenses for a nonemployee’s injury, legal defense representation, or settlement payments.

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Professional Liability

Also known as “errors and omissions” insurance, professional liability insurance is for claims that hold your business financially responsible for a mistake or misjudgment in a professional capacity. Sectors that face a higher risk are often consultatory or advisory services providers, such as architects, engineers, and lawyers can benefit from professional liability coverage.

 

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Rental Properties Insurance

Rental property owners have multi-faceted risk exposures and property value considerations. Rental real estate owners need protection from disaster damage, liability claims from tenants, and revenue loss due to repairs or vacancies.

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Workers’ Compensation

Connecticut law states that any company with employees must carry workers’ compensation insurance. Not only does a workers’ compensation policy cover illnesses and injuries sustained in job-related accidents, but it also prevents employees that file claims from simultaneously bringing forth a personal injury lawsuit against you or your small business.

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Group Health

Small and large businesses are increasingly turning to professionals to help them navigate the Affordable Healthcare Act (ACA) and what it means for them as an employer and for their employees. We’re here to help you.

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Employment Practices Liability

Despite your company’s best intentions, an oversight, a miswritten workplace policy, or a disgruntled former employee is all it takes for you to find your small business defending a lawsuit. An employment practices liability insurance policy can help with legal action expenses due to alleged claims brought forth by employees, such as discrimination, wrongful termination, or sexual harassment.

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Commercial

Our clients include a wide range of diverse businesses in Connecticut, including auto repair shops, contractors, property owners, distributors, manufacturers, service providers, just to name a few. Let us put our knowledge of the industry, insurance, and risk management to work for you as well.

 

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Property Owners

The commercial property owned by your business in Connecticut is likely one of your most considerable assets and susceptible to devastating incidents such as storm damage, fires, break-ins, or structural malfunctions. From retail stores to warehouses to office facilities, property insurance protects you against losses from damage to your building and the physical assets within it, including inventory, equipment, and furniture.

 

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Equipment Breakdown

Whether you own or lease your business equipment, you’re at risk if it breaks down. Imagine an electrical surge burning out your computers and telephone networks, shutting down your operations. Think of the significant expenses you could occur in lost productivity, the time and money repairing or replacing the damaged systems and the revenue you’ll lose until you can get back up to speed.

 

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Excess Liability

Sometimes called an “umbrella policy,” excess liability will extend your coverage if your costs due to a severe bodily injury, product malfunction, or commercial vehicle accident exceed your standard liability policy limits.

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Risk Assessment & Management

While commercial insurance exists to protect your business from unforeseen events, the best practice is to do your best to prevent incidents from occurring at all. We can perform a complete risk assessment on your operation and provide resources for ADA and OSHA compliance, workplace safety training, loss prevention strategies, and asset appraisals, to name a few.

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Surety Bonds

For certain commercial operations and contract obligations, your Connecticut business is responsible for upholding state and local requirements by obtaining surety bonds such as those for public service projects, licenses, permits, municipal code compliance, or employee fidelity.

 

Business Insurance with the Byrnes Agency

Insuring Your World

General Liability Insurance for Connecticut Businesses

Insuring Your Risks

The Byrnes Agency’s trained Connecticut business insurance specialists have the experience and expertise in providing comprehensive medium and small business insurance in Connecticut tailored to your specific needs and in sync with your exposures, risk tolerance, and budgetary parameters. As an independent agency, we have access to a number of top-rated insurance companies. This enables us to get you the most for your insurance dollar. Our business insurance in CT goes beyond standard general liability insurance policies –

Mitigate Your Risks With Commercial Insurance Connecticut From the Byrnes Agency

It is crucial to understand that certain events or assets — coastal flooding, structural damage during civil unrest, or customer-owned property stored on your premises, for example — may not be eligible for protection under general liability policies. However, specialized insurance coverage, policy riders, and surety bonds exist that can mitigate most risks that your business might face. Our Connecticut business insurance agency staff are dedicated to building a business insurance package that provides your company with enough information and coverage to give you a sense of security and responsive personal support that will give you peace of mind. Call us for a quote today.

Byrnes Agency is proud to offer the best business insurance rates to individuals from any one of these cities in Windham County: Windham, Woodstock, Eastford, Scotland, Killingly, Brooklyn, Thompson, Hampton, Putnam, Chaplin, Plainfield, Sterling, Canterbury, Pomfret, and Ashford, CT.

Additionally, New London County commercial insurance customers are served in New London, Montville, Ledyard, Lyme, Salem, Groton, Stonington, Colchester, Griswold, Lisbon, Waterford, East Lyme, Preston, Lebanon, Voluntown, Norwich, Old Lyme, North Stonington, Bozrah and Franklin, CT.

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Rely on Byrnes for your personal and business insurance needs.

We’ve been in the insurance business for a long time. Let our staff show you what responsive service and real value are all about. Contact us today! We’re looking forward to it.

Our Affiliate Partners

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