Why would you want to risk all your assets if you were found at fault for a claim?
When you hear the term "umbrella policy," do you have a deer-in-the-headlights moment? You're not alone! However, it's vital to understand how an umbrella policy can protect your assets and future earnings because that's what's at stake in the event you were found at fault for a claim.

TRUE-LIFE EXAMPLES:
Client A allowed their guests to use their ATV around their property. The guest's teenage son hit a tree leaving him paralyzed from the neck down. 

Client B had a party in their backyard. A guest jumped out of their second-story window aiming for their trampoline. The guest missed, suffering from major back injuries.

Client C (a high school student) was driving his girlfriend's car and had an accident where the other party sustained major injuries. The girlfriend's family did not have high enough policy limits, so the injured party also sued the driver's family even though it wasn't his car.
 
It’s not uncommon to hear of $1-million, $2-million, and even $10-million liability judgments against individuals. If someone is injured on your property, in your pool, or from a vehicle accident, you could be subjected to such a judgment whether or not the accident results in death.

Know this — accidents and injuries are not predictable. Nobody expects to be the subject of a lawsuit. But once you are the target of a liability lawsuit, it's too late to get coverage.

Ask yourself this question: How will you or your family support themselves if your finances are suddenly hit by a tragic accident in which you were held responsible for damages or bodily injuries?

Beware of Phone Callers Posing as Department of Insurance Staff

On August 10, Connecticut Insurance Commissioner Katharine L. Wade released a warning advising consumers to be aware of an individual posing as a Connecticut Insurance Department employee and calling residents to ask for their insurance information.
 
Please be aware of this scam. Protect your personally identifiable information (PII). Please feel free to share this news with your family and friends.
 
For more information about the incident, please visit the CID website

The Newington Police Department held its first-ever National Night Out Against Crime on Tuesday, Aug. 1, from 5 to 8 p.m. in Mill Pond Park, in conjunction with Newington Parks and Recreation. 
As one of 16,000 American communities to host a National Night Out event this year, the town is working on its police-community partnership.

Police have welcomed lots of volunteers and sponsors, to keep the evening running smoothly and allow them to focus on interacting with the public. For Connecticut Insurance Exchange, supporting the department is a company priority. Connecticut Insurance Exchange donated the balloons, key tags and made a monetary donation as well.
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“We think having a good relationship with law enforcement is beneficial to everyone,” Vice President Melanie Tregoning said. “When people treat officers as human beings and officers treat people as human beings, they get to know each other as people and connect on a human level. The police are not there as an antagonist; they’re there as a friend and a partner, just like Connecticut Insurance Exchange is there for their clients as a friend and partner,” she continued. “It’s a two-way street when it comes to keeping our community safe. We all need to work together.”