Protecting Your Business is Our Business

Expert Commercial Insurance tailored for Connecticut's Contractors, Restaurants, and Professionals.

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We Know Which Levers to Pull

Business insurance isn't a pre-packaged box you buy off a shelf. It’s a complex balance of coverage versus premium.

Many agents just quote the "standard" policy. At River East Insurance, we act as your risk architect. We take the time to explain your coverage options and tailor a policy that fits your specific needs—not just what the system spits out.

  • Tailored Solutions: We review every aspect of your operation to ensure you aren't paying for coverage you don't need—or missing coverage you do.
  • Hidden Endorsements: We look for specific coverage enhancements (like Blanket Additional Insureds) that Contractors need to get paid faster.
  • Guidance & Advocacy: While carriers often require you to report claims directly, we are your first call for advice. We help you understand the process and advocate for you if things get stuck.

The Independent Advantage

We are not tied to one giant corporation. We shop your risk across top carriers like Travelers, The Hartford, Liberty Mutual, and Chubb to create competition for your business.

We work for you.

Industries We Specialize In

From Main Street to Industrial Parks, we cover Connecticut's key industries.

Contractors & Trades

Electricians, Plumbers, HVAC, and General Contractors. We get you the COIs you need to get on the job site fast.

  • General Liability
  • Tools & Equipment Floaters
  • Commercial Auto for Fleets
  • Surety & Bid Bonds

Restaurants & Hospitality

From fine dining to pizza shops and bars. We protect against kitchen fires, spoilage, and slip-and-fall liabilities.

  • Liquor Liability
  • Food Spoilage Coverage
  • Equipment Breakdown
  • Business Interruption

Auto Repair & Garages

Specialized coverage for body shops, mechanics, and dealers. We understand Garagekeepers Liability better than anyone.

  • Garage Liability
  • Garagekeepers Coverage
  • Mechanics E&O
  • Dealers Open Lot

Manufacturing

Complex operations require complex coverage. We help you navigate supply chain risks and product liability.

  • Product Liability
  • Workers Compensation
  • Manufacturers E&O
  • Cargo & Transit

Professional Services

Accountants, Lawyers, Consultants, and IT firms. Protection against negligence claims and cyber threats.

  • Professional Liability (E&O)
  • Cyber Liability / Data Breach
  • Office BOPs
  • Employment Practices (EPLI)

Real Estate & Retail

Lessor's Risk for building owners, Landlords, and Retail Storefronts. Protecting your physical assets.

  • Building Property Coverage
  • Loss of Rents / Income
  • General Liability
  • Cyber Liability (POS Systems)

Workers' Compensation Experts

Workers' Comp is one of your biggest expenses, but it is also one of the most controllable. We don't just sell you a policy; we help you understand your Experience Modification Rating (Mod).

We help you implement safety programs and Return-to-Work strategies that keep your premiums low and your employees safe.

  • ✔ Pay-As-You-Go Options: Improve cash flow by linking premiums to actual payroll.
  • ✔ Audit Orchestration: We can't do the audit for you, but we guide you through the process to ensure you are prepared.
  • ✔ Class Code Review: Ensuring your employees are categorized correctly to save money.
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New: Specialized Trucking Division

We have expanded our markets to include Dump Trucks, Aggregate Haulers, and Heavy Fleets. If you need filings (Form E, MCS-90) or coverage for vehicles over 26,000 GVW, visit our dedicated page.

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Common Commercial Insurance Policies

General Liability (GL)

The foundation of any business policy. It protects you against lawsuits for bodily injury (slip and falls) or property damage caused to others.

Business Owners Policy (BOP)

A cost-effective bundle that combines General Liability and Commercial Property coverage. Ideal for small to mid-sized businesses.

Commercial Auto

Coverage for your work trucks, delivery vans, and fleet vehicles. Essential for contractors and businesses with employees on the road.

Workers Compensation

Mandatory in CT for most businesses. Covers medical costs and lost wages for employees injured on the job.

Professional Liability (E&O)

Protects against claims of negligence, mistakes, or failure to deliver a service. Critical for consultants, doctors, and advisors.

Excess / Umbrella Liability

Provides additional liability limits above your GL and Auto policies. We can secure high-limit umbrellas to protect your assets from catastrophic lawsuits.

Contractor Bonds

From License & Permit bonds to Bid & Performance bonds. We help you meet municipal and contractual requirements.

Directors & Officers (D&O)

Protects the personal assets of corporate directors and officers against claims of wrongful acts in managing the company.

Key Person Life Insurance

A life insurance policy on a crucial owner or employee. It provides the business with capital to survive the loss of a key player.

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