The Russell Agency, LLC Blog
All You Ever Wanted to Know About Insurance
Does Your Start-Up Need D&O Coverage?
Friday, April 7, 2023
Whether you have a small business or a venture capital start-up, you need to identify what risks your company faces and what insurance coverage you need to protect your business and personal financial interests. While...
Sole Proprietors, Protect Your Personal Assets With Insurance
Friday, March 31, 2023
A sole proprietorship is an unincorporated business owned by one person. Anyone can set up a sole proprietorship, making it one of the easiest and fastest ways to form a company. In fact, the Small Business...
Landowners, Your Vacant Land Is a Liability
Wednesday, October 26, 2022
Vacant land has become an increasingly appealing investment, particularly in the age of social distancing and skyrocketing home and rent costs. If you’re looking to join the growing ranks of landowners, you should...
Preventing Electrical Fires at Home
Wednesday, October 19, 2022
Home electrical fires claim lives every year. Most are caused by incorrectly installed wiring or overloaded circuits or extension cords. In other words, most electrical fires are preventable. Fire deaths are highest in...
What is the Most Common Natural Disaster in the U.S.?
Friday, March 27, 2020
The answer is flooding. If your home sustained damage due to a flood, would you have coverage? You might be thinking-of course I would have coverage. I have a homeowners policy. You aren’t alone in thinking that, but...
Protect Your House When You Rent It Out To Others
Wednesday, March 25, 2020
Renting out your house to others can be lucrative. Millions of people take advantage of various house/apartment sharing services (e.g., Airbnb, HomeAway, FlipKey or MIMDU) each year. These companies match hosts who...
Stay Insured When You Rent or Hire a Vehicle
Friday, March 20, 2020
People may put a significant amount of effort into adequately insuring their personal vehicles, but they frequently make quick assumptions about coverage for rented or hired vehicles. However, it is important to confirm...
Transportation Network Companies, like Uber and Lyft
Wednesday, March 11, 2020
Transportation Network Companies, like Uber and Lyft, have really taken off over the last few years. People are providing transportation to others with their autos using a cell phone application to connect. While this...
Top 10 contractor hiring tips for homeowners
Monday, March 9, 2020
A home is a very valuable asset and proper maintenance is a key factor in the retention and growth of a home's value. This factor is one reason why it is important for homeowners to hire highly qualified contractors...
Storm Damage - What's Covered?
Friday, February 21, 2020
Generally, how does my homeowners policy respond to storm damage to my property? Your homeowners policy covers most losses that may occur to your dwelling and personal property. Commonly, losses resulting from theft,...
State of Connecticut Mandates Sexual Harassment Prevention Training for Businesses
Wednesday, February 19, 2020
Under Connecticut law, employers with three or more employees must provide two hours of sexual harassment prevention training and education every 10 years. Any new hires must complete this training within six months of...
House Introduces Bipartisan Bill to Address Reptitive Loss Properties
Monday, February 17, 2020
Bipartisan legislation, the Repeated Flooded Communities Preparation Act,was introduced in the House of Representatives last week in an attempt to address repetitive loss properties covered by the National Flood...
The dangers of drunk driving
Friday, February 14, 2020
In 2017, nearly 11,000 people in the United States died in motor vehicle crashes involving an alcohol-impaired driver. The annual cost of alcohol-related crashes totals more than $44 billion. What can I do to help...
What you should consider before changing auto insurers?
Wednesday, February 12, 2020
Some of our customers have been prompted by TV commercials or mass-mail advertisements to consider switching their automobile insurance. Before saying “yes” to one of these proposals, we hope you will consider the...
Choosing the Correct Fire Extinguisher Classification
Monday, February 10, 2020
Fire extinguishers are classified by the type of fire that they will extinguish. There are five different fire extinguishers classifications. If the proper fire extinguisher class is not used there is a risk that the...
State Auto Offers Identity Theft Protection
Friday, February 7, 2020
You are a target for identity theft. And once your identity has been stolen, it's hard to get it back in order. From prevention to restoration, our Identity Theft Protection Program has you covered. Provided free of...
Credit Card Safety Measures
Wednesday, February 5, 2020
When protecting your credit there are many things to consider. You could become a victim of theft in many places including the grocery store, mall, or a parking lot. New chips have come out claiming to better protect...
What is a Reservation of Rights Letter?
Monday, February 3, 2020
A Reservation of Rights Letter is notification from your insurance company that coverage for a claim may not apply. The notification allows the insurance company to continue to investigate a claim in order to determine...
Governor Signs Executive Orders to Reduce Health Care Costs in Connecticut
Friday, January 31, 2020
Gov. Ned Lamont recently announced that he has signed two executive orders that will address health-care costs, primary care spending, and quality of care for individuals, businesses and state government. The orders...
Hemp Will Qualify for New Crop Insurance Pilot
Wednesday, January 29, 2020
The U.S. Department of Agriculture (USDA) announced on Dec. 23 that hemp farmers in 21 states will be eligible for a new crop insurance pilot program starting in 2020. The program provides actual production history...
Super Early Spring Cleaning Ideas!
Monday, January 20, 2020
Getting organized and ready for spring feels great. We’ve got some suggestions for you to think about when you’re spring cleaning: 1.) Tune up your auto policy.Everyone makes sure auto insurance "fits" when they first...
Stay Informed
Friday, January 17, 2020
Staying informed and up-to-date on your insurance company’s insurance policies isn’t just smart, it also can save you money and give you peace of mind. If you haven’t reviewed your coverage in a while, you might be...
The Safety of Independence
Wednesday, January 15, 2020
When it comes to staying safe-in your car, when you are traveling, in your home-it’s important to consider one of the most important tools that will make you feel safe and secure: insurance. Sure, you can stay safe by...
Make Sure You Are The Only You Out There
Friday, January 10, 2020
The Federal Trade Commission processed 1.4 million fraud reports-totaling $1.48 billion in losses-in 2018. Identity theft occurs when an unauthorized person uses your personal identifying information, such as your name,...
The Do’s and Don’ts After A Fire
Wednesday, January 8, 2020
During a fire, it’s important to follow your emergency action plan and ensure that you and your family are safe. After a fire, it’s equally important that you take care of your home-but maybe not in the way you might...
Electric Scooters are Coming!!!
Monday, January 6, 2020
Effective Oct. 1, 2019, legalized electric scooters, electric bicycles and electric tricycles became legal in Connecticut. The law allows these vehicles-as long as they do not exceed 20 miles per hour and are not...
A Home's Replacement Cost
Friday, January 3, 2020
Wouldn’t it be nice to buy a homeowners policy that would guarantee replacement of your home in the event of a loss without any conditions? That concept may be appealing, but it’s not realistic. In order to charge the...
Older Drivers
Wednesday, January 1, 2020
An article in the Washington Post took a look at U.S. Census data and noted the number of licensed drivers over the age of 65 increased 29 percent from 2003 to 2013. In fact, the article said, older drivers have...
Connecticut Texting Laws
Monday, December 30, 2019
You know it is forbidden, but sometimes it’s so hard to resist. You hear that chime from your pocket or the cup holder and you want to look. You know you shouldn’t but what if it’s something important, like breaking...
Holiday Gifts and Insurance Coverage
Wednesday, December 25, 2019
My house is filled with expensive gifts waiting to be opened. If my home is burglarized, damaged or destroyed, are all these gifts covered under my homeowners policy? It depends on the particular gift. Many homeowners...
Winter Loss Prevention Tips
Friday, December 20, 2019
Now is the time to prepare to ensure we have a safe winter. Here are a few things to keep in mind to help minimize loss during the colder months: • Your fireplace hasn’t been used in a year. Before you start your first...
Senate Passes Federal Funding Package with 3 Insurance Priorities
Thursday, December 19, 2019
WASHINGTON – The U.S. Senate has followed the House in passing a federal government funding package (H.R. 1865) that includes three of the top policy priorities of the National Association of Professional Insurance...