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Does Commercial Insurance Cover Damage to Your Business Premises?

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Damage to a business location can disrupt operations quickly, which is why many Connecticut business owners ask how commercial insurance through Brent Young Agency LLC, serving Manchester, CT, applies to their premises. The answer depends on the type of policy in place, how the property is used, and what caused the damage.

How Commercial Insurance Typically Applies

In Connecticut, commercial insurance is often structured to protect physical business locations such as offices, retail spaces, warehouses, or mixed-use properties. Coverage generally focuses on damage caused by specific events outlined in the policy. These events may include fire, certain weather incidents, vandalism, or accidental damage. The building itself, along with permanently installed features like walls, flooring, and built-in fixtures, is usually the focus when premises damage is reviewed.

Owned Versus Leased Business Spaces

Whether you own or lease your business space matters. Business owners who own their property typically rely on commercial property coverage for the structure itself. If you lease, coverage often applies to interior improvements, build-outs, and alterations you’ve made to the space. In Connecticut, lease agreements frequently outline who is responsible for different types of damage, so insurance reviews often start by comparing the policy to the lease terms.

What Isn’t Automatically Covered

Not all damage is treated the same way. Issues tied to gradual wear, deferred maintenance, or construction defects are commonly excluded. Flood damage is also handled separately from standard commercial policies in Connecticut, especially in areas near rivers or coastal zones. Understanding these distinctions helps avoid surprises after a loss.

Commercial insurance can play a key role in protecting business premises, but coverage details vary. Your insurance agent at Brent Young Agency LLC, serving Manchester, CT, can help review your policy, explain how state rules apply, and clarify what types of premises damage are most likely to be addressed under your coverage.

Does Home Insurance Cover a Short-Term Rental?

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Manchester, CT is home to a unique historic district, beautiful parks, mountains, museums, and great places to eat, drink, and shop. As such, local homeowners may find it profitable to rent out a room, home, or apartment short-term during the busy tourist season. However, it’s important to ensure you have proper insurance coverage for short-term rentals in order to avoid unforeseen bills.

Home Insurance: What Is and Isn’t Covered

Home insurance is designed for owner-occupied homes. It covers your personal belongings, appliances, and the home structure. It includes property damage and liability insurance. It does not cover rental to a third party, as that constitutes commercial activity. If, for instance, someone has an accident on your property while visiting your short-term tenant, your home insurance wouldn’t foot the bill. This same point applies to deliberate or accidental damage to your property while it’s being rented out to a third party.

Home Insurance Coverage for Short-Term Rentals: What Are the Options?

Airbnb offers host liability insurance for short-term rentals. This coverage, along with the platforms’ host damage protection guarantee, should cover the most common problems arising from short-term property rental. However, if you rent your property out on multiple platforms or run a short-term rental operation year-round, you may want to invest in short-term rental insurance from a reputable insurance carrier.

Need Help? Reach out to Brent Young Agency LLC at Your Convenience

At Brent Young Agency LLC, we make it as easy as possible for Manchester, CT homeowners to purchase the insurance policy or policy bundle that best meets their needs and budget. If you want coverage for a short-term rental, get in touch with us, and we’ll help you assess your options and choose the right policy. 

Hurricane Preparedness in Manchester, CT

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If you could skirt hurricane season and avoid damage to your home, business, or car, you would. Residents of Manchester, CT, know to look out for their property and their family. That includes getting ample insurance coverage before hurricane season hits:

  • Flood insurance. Standard home insurance doesn’t cover flooding. You’d need a separate flood policy for that. You can get flood insurance through the National Flood Insurance Program or a private insurer.
  • Comprehensive auto insurance. Make sure your policy covers damage to your vehicle due to wind, hail, and flooding.

If you’re not sure what kind of coverage you need, or the amounts you should get to prevent financial loss, one of our agents can go over the best options, including policy types, deductibles, and suggested coverage limits. 

Brent Young Agency LLC, serving Manchester, CT, can help you prepare for hurricane season. Call to speak with one of our agents.

How Auto Insurance Policies Address Damage From Natural Events

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Connecticut weather has a way of keeping drivers on their toes. One month, it’s summer thunderstorms; the next, it’s ice storms or heavy winds that leave branches and debris scattered everywhere. While most people think of auto insurance in terms of collisions, many forget that nature can do just as much damage to a vehicle as another driver can. That’s where understanding how your policy through Brent Young Agency LLC, serving Manchester, CT, handles natural events matters.

What Comprehensive Coverage Does

When it comes to weather-related damage, the key part of your auto policy is comprehensive coverage. It’s what protects your car from noncollision incidents: everything from falling trees and hail to floods, fire, and vandalism. If lightning strikes your car, a branch dents your hood, or a windstorm sends debris flying, comprehensive coverage helps pay for repairs or replacement. It’s optional in Connecticut, but for most drivers, it’s essential given the state’s unpredictable mix of coastal storms and harsh winters.

Less Common, but Costly Events

While earthquakes are rare in Connecticut, they’re still possible. In most cases, damage from ground movement isn’t covered under a standard auto policy unless you have comprehensive protection. The same goes for floods caused by severe rain or melting snow, events that have become more frequent in recent years. Without that extra layer of coverage, those repairs come straight out of your pocket.

Make Sure You’re Fully Protected

Before the next nor’easter or summer storm rolls through, take a minute to review your policy. Check your deductible and confirm whether comprehensive coverage is included. If your vehicle is financed or leased, comprehensive coverage is usually required. But even if your vehicle is paid off, it’s still smart protection.

Natural events may be out of your control, but preparing for them isn’t. The right coverage keeps you from paying the price when Mother Nature gets unpredictable. Brent Young Agency LLC,  serving Manchester, CT, can help. Contact us to book an appointment.

How Commercial Auto Insurance Differs From Regular Auto Insurance

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Running a business requires making smart insurance decisions. Many business owners mistakenly believe their personal car insurance covers all their needs. Unfortunately, this assumption can lead to costly gaps in coverage when accidents occur. Commercial and personal auto insurance function differently and protect different aspects of your operations. Brent Young Agency LLC, serving Manchester, CT, helps business owners avoid these costly mistakes.

Coverage Scope and Business Activities

Personal car insurance is designed for personal use, such as grocery shopping or commuting to work. However, once you use the same vehicle for business purposes, like attending meetings or making deliveries, your coverage changes. Personal policies often exclude business activities entirely. Commercial auto insurance provides coverage for all work-related driving needs, whether you’re visiting clients, hauling supplies, or transporting goods. Without commercial coverage, your insurance company may deny claims related to business use.

Higher Liability Limits and Legal Requirements

Businesses face a higher risk of lawsuits, which often involve larger financial claims. Commercial auto policies offer higher liability limits to address these increased stakes. In some states, businesses are required to carry higher minimum coverage than personal drivers. Additionally, commercial insurance covers employees driving company vehicles, whereas personal policies typically exclude coverage for others using your car for business purposes.

Specialized Coverage Options

Commercial auto insurance includes specialized protections that personal policies do not offer. For example, you can obtain coverage for employees using their own vehicles for work tasks. These policies also protect expensive equipment attached to your vehicles and any cargo you transport for business purposes.

Making the Right Choice

Don’t risk your business with inadequate insurance coverage. Contact Brent Young Agency LLC, serving Manchester, CT, today to ensure you have the proper commercial auto protection for your needs.

Should I Get Home Insurance Even If It’s Not Required?

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Many people who buy a home get home insurance from the very beginning of their homeownership. In fact, home insurance is often required by mortgage lenders. However, if you are buying a cash home, you may not be required to have home insurance. Understanding the benefits of home insurance can help you decide whether this type of coverage is right for you.

The professionals at Brent Young Agency LLC, serving Manchester, CT, can assist you. We can answer your questions about home insurance and help you shop for the best policy to meet your needs. When you contact our insurance experts, we’ll guide you through the process to ensure you have a home insurance policy that makes sense for you.

When Is Home Insurance Required?

Home insurance is required for anyone who has a mortgage lender. Additionally, some people may be required to have home insurance if they live in a homeowners association (HOA). If you do not live in an HOA and are paying for your home in cash, it is unlikely that you will be required to have a home insurance policy.

What Are the Benefits of Home Insurance?

Home insurance offers numerous benefits. It provides security to homeowners by helping repair or replace your home and damaged property after a covered event. Covered events include fire, wind, lightning, theft, vandalism, and more. If your home is destroyed, you may not have enough money to replace your home and belongings, but home insurance can help you through the process.

How Can I Get Home Insurance?

You can get home insurance by contacting the professionals at Brent Young Agency LLC, serving Manchester, CT. Our experts can shop with multiple insurance carriers to help you find the best policy for your needs.

The Role of Insurance in Post-Hurricane Cleanup

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When a hurricane strikes, the aftermath can feel overwhelming. From downed trees and flooded basements to damaged roofs, it’s hard to know where to start. That’s where insurance comes in—not just as a safety net, but as a reliable tool for recovery. At Brent Young Agency LLC in Manchester, CT, we understand the unique challenges our community faces during hurricane season, and we’re here to help every step of the way.

Picking Up the Pieces After the Storm

Once the storm passes, the cleanup begins—and it often involves more than just clearing debris. Water damage, structural issues, and loss of personal property can quickly add up. A comprehensive hurricane preparedness insurance policy provides peace of mind by covering many of these expenses. Instead of worrying about how you’ll afford repairs, you can focus on restoring your life to normal.

Documenting Damage Is Crucial

One of the most important steps after a hurricane is documenting the damage. Take photos, save receipts, and contact your insurance provider as soon as it’s safe to do so. Proper documentation helps streamline your claim and ensures you receive the support you need promptly.

Why Having the Right Coverage Matters

Not all insurance policies are the same. Some may cover wind damage but exclude flooding. That’s why it’s essential to review your coverage before hurricane season begins. At Brent Young Agency LLC, we work with Manchester, CT residents to create customized policies that meet their specific needs.

Be Prepared Before the Next Storm

Don’t wait until the next hurricane to think about your coverage. Contact Brent Young Agency LLC in Manchester, CT today to learn how our hurricane preparedness insurance can help protect you when it matters most.

Understanding Connecticut’s At-Fault Laws and How They Affect Claims

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If you’ve ever been involved in a car accident in Connecticut, you know how quickly things can become confusing, especially when it comes to figuring out who’s responsible. At Brent Young Agency LLC in Manchester, CT, we often get questions from drivers trying to make sense of Connecticut’s at-fault laws. Let’s break it down in a way that’s easy to understand.

What Does "At-Fault" Really Mean?

Connecticut follows a traditional at-fault system for car accidents. This means the driver determined to be at fault for the accident is responsible for covering the damages, including medical expenses, vehicle repairs, and sometimes even pain and suffering. This differs from no-fault states, where each driver’s insurance covers their own injuries, regardless of who caused the crash.

How Fault Impacts Your Claim

Connecticut uses a modified comparative negligence rule, which can affect your ability to recover damages. If you’re found partially at fault for the accident, your compensation will be reduced by the percentage of fault assigned to you. For example, if you’re 30% at fault, you can still recover damages, but only 70% of the total amount. However, if you’re more than 50% at fault, you won’t be able to recover any damages. Understanding this rule is crucial when filing a claim.

Why the Right Coverage Matters

Connecticut’s at-fault laws can directly impact your financial protection after an accident, making it essential to have the right auto insurance coverage. Even a minor accident can become a major financial burden without the proper policy in place.

At Brent Young Agency LLC in Manchester, CT, we’re here to help ensure your coverage fits your needs and complies with local laws. Contact us today to discuss your policy or get a no-obligation quote!

Three Different Types of Commercial Insurance Your Small Business Should Consider

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Many individuals approach us at Brent Young Agency LLC seeking to insure their new small businesses. Every small business is unique and has specific insurance needs. If you’re a business owner in Manchester, CT, you’ll want to ensure that you’re adequately covered with a policy that protects you from the various potential daily mishaps. Here are three different types of commercial insurance to consider for your small business.

1. General Liability Insurance

General liability insurance is essential if you have a physical location where customers visit. It protects you if someone slips and falls, or injures themselves in any way, while they are on your property. While it’s not legally required, it would be a significant oversight not to have it for your small business. Small businesses often operate on tight margins, meaning a lawsuit from a customer could sink your company if you’re not prepared.

2. Business Income Insurance

Small businesses often lack the financial safety net that larger corporations have. This is why they need to protect themselves in the event of a disaster, as they may be unable to run their business for some time. The best way to protect your company’s income if something terrible happens is with business income insurance. This policy add-on will pay out the income you would have made while your company is not operating.

3. Data Breach Insurance

Digital crime and fraud are on the rise. In many cases, data is the most valuable asset that a small business has. Data breach insurance protects you against the costs associated with recovering from a hacking incident. This includes the cost of restoring your system security, notifying customers, and any legal fees that may be incurred. If your company operates digitally, data breach insurance is a must.

At Brent Young Agency LLC, we have provided Manchester, CT residents with a variety of commercial insurance services for years. If you want to learn more about how we can help you, contact us today.

Home Insurance Protects What Your Home Security System Can’t

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Home is a refuge, a safe place, a comfort zone. It’s where we choose to spend our time and feel secure. This is why many people take extra measures to protect their homes, including using home security systems. But what happens when criminals steal your belongings, damage your home, or destroy property? These are the scenarios that prompt homeowners in the Manchester, CT area to invest in home insurance, and why homeowners turn to the professional and friendly agents at the Brent Young Agency LLC for all their home insurance needs.

Home Insurance Protects What Your Home Security System Can’t

Yes, home security systems are a good idea, but they can only do so much. Often, even if a would-be burglar is turned away or gets caught later, there is typically damage to the homeowner’s property. And if the criminal gets away with your valuables or possessions, it’s often too late to recover them. The good news is that home insurance acts as a second line of defense, helping to replace or provide the replacement value of what was stolen. That’s why it’s a good idea to talk with your local agent about the benefits of home insurance and how it can help where your home security system can’t.

Home Insurance Solutions for Manchester, CT Homeowners

If you own a home in or around the Manchester, CT area and would like to learn more about how home insurance solutions at the Brent Young Agency can protect you and your home, we can help. Contact us to learn more and schedule an appointment with our proven and professional team for the home insurance solutions you need and want at Brent Young Agency LLC today.