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Fairfield County Bank Insurance Services Blog

All You Ever Wanted to Know About Insurance

How to Decide If Solar Panels Are Right for Your Home

Solar panels can provide clean electricity for your home, helping you to save money on energy costs while also doing your part to help the environment. However, not all homes are suited to solar energy. Here's what you...

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Life Insurance 101

Life insurance provides invaluable protection for your family in the event of your death. It ensures the ones you care about can continue to support themselves financially when you are gone. Yet, a recent study by the...

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How Independent Agents Are Different from Captive Agents

When it comes to buying insurance, you have two primary options available to you: independent agents like us, and captive agents. While both can provide insurance services, these two types of insurance agents are not...

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Hurricane Preparation Tips for Your Home and Family

Hurricanes can destroy property and upend lives. But there are lots of things you can do right now, before a storm hits, to minimize the potential impacts on your home and family. And advance planning is key. When a...

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Benefits of Using a Dash Cam

More and more people these days are choosing to add dash cams to their vehicles, and for good reason. These small cameras can be highly useful to you, especially in the event that you get a traffic ticket or are...

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What Is Workers' Compensation Insurance?

- Prior to the adoption of workers’ compensation laws, employees who were injured or became ill due to their job had to file a lawsuit against their employer for any type of compensation to cover medical bills,...

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How To Plan the Perfect Staycation

If you’ve been putting off a vacation, now is the perfect time to stop and finally commit to some time off. Though you may not be able to travel to far-off places, you still need time to relax and recharge (even if your...

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Swimming Safety: 10 Tips for Summer

Summer is here and people are flocking to the water — whether it’s the beach, a lake, a river or a backyard pool. But, wherever there’s water, there’s also danger. According to the U.S. Centers for Disease Control and...

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8 Ways to Keep Your Home Safe While You're on Vacation

Vacation is that time of year you happily anticipate. The opportunity to get away from it all and just unwind. You would never imagine arriving back home to find something is very wrong. A break-in, a broken pipe or...

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How Much Homeowners Insurance Do You Need? Probably More Than You Have

A home purchase comes with excitement and quite a bit of stress until the long-awaited moment arrives: the closing. With the keys to your new home in hand, you pass the threshold into your future filled with visions of...

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Why You May Need Personal Offense Coverage

In today’s digital world, slander and libel lawsuits are more common than you may think. Comments made in haste or anger on social media can have lasting and far-reaching effects on a person’s reputation or character,...

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What Is Environmental Insurance?

Growing awareness of the serious, long-term effects of pollution, increased regulatory scrutiny and legal liability have created a demand for environmental insurance. Also known as environmental impairment liability and...

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Summary of the COBRA Premium Assistance Provisions under the American Rescue Plan Act of 2021

Click Here to Download an ARP Premium Assistance Application - Summary - President Biden signed H.R. 1319, the American Rescue Plan Act of 2021 (ARP), on March 11, 2021. This law subsidizes the full COBRA premium for “...

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Inexpensive Fixes for a Safer Home

Home improvement: It’s a never-ending process for many people, and for those of us who aren’t necessarily handy, it can be a hassle, too. But there are plenty of simple maintenance tasks and other improvements you can...

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What Is Commercial General Liability Insurance?

Those commercials on TV for plaintiffs attorneys are a not-so-subtle reminder that we live in a litigious society and that businesses must protect themselves from lawsuits. One essential protection for employers, both...

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Winterize Against Workers’ Comp Claims

In many parts of the United States, the onset of winter weather means an increase in workers' compensation claims. Blizzards, winter storms, snow, sleet, ice and freezing temperatures can lead to various occupational...

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Industry Insights: Why Contractors Need Professional Liability Insurance

\\ There was a time when contractors didn’t need to be too concerned about professional liability insurance, traditionally carried by architects, engineers and other design professionals for errors and omissions. But...

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Top 5 Risks Facing Contractors

The list of risks facing construction firms is a long one: worksite injuries, skilled labor shortages, cash-flow problems, contract disputes, job site theft, defects in workmanship and material, weather delays and...

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What Are Whole and Universal Life Insurance?

- Life insurance provides invaluable protection for your family in the event of your death. It ensures the ones you care about can continue to support themselves financially when you are gone. Yet, a recent study by the...

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What Is Term Life Insurance?

Life insurance provides invaluable protection for your family in the event of your death. It ensures the ones you care about can continue to support themselves financially when you are gone. Yet, a recent study by the...

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What Is Personal Umbrella Insurance?

Liability lawsuits are unpredictable these days. Juries are increasingly giving outsized awards to plaintiffs, and just about any accident can become prey to unscrupulous – even manufactured – claims of serious injury....

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Business Interruption and Supply Chain Impacts

How Business Interruption Impacts Your Supply Chain - Hurricanes Harvey, Maria, Irma and Nate caused massive destruction when they landed in the United States in 2017 and resulted in over $200 billion in damage. When...

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Homeowners, Solar Panels Are Green but Improper Insurance Might Make You Blue

- Your rooftop solar system is installed, the panels are powering your daytime routine and you’re amped you’re doing your part to reach a zero footprint. Then the tornado touches down. Your home is destroyed, but it’s a...

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Own a home? Here are two policy options you should know about

If you have a homeowners policy, you probably expect it to cover all the costs of rebuilding your house in case it’s damaged or destroyed by a covered hazard. But are you certain you have enough coverage? Read about two...

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Why a basic Homeowners policy isn’t always enough

Sometimes a basic homeowners policy just isn’t enough. So as your career advances and your income increases, it’s important to keep your insurance protection up to date. This helps you avoid expensive gaps in coverage...

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Enterprise Risk Management

Enterprise Risk Management (ERM) is a method of identifying and assessing critical risks facing an organization, quantifying their financial and strategic impact then implementing solutions to minimize or eliminate...

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How to Protect Yourself as a Real Estate Agent

You may not think much about your liability as an individual agent, but you really should. Unfortunately, you may be exposed to significant risk in a host of situations which you may be unaware of. We’d like to outline...

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Home Shopping Tips

Home shopping is an extremely important process. Unfortunately, there are numerous pitfalls that can ruin the experience and negatively impact your overall result. It’s no secret that being homeowner can have far-...

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10 Tips to Help Prevent Identity Theft

Shopping online. Visiting the doctor. Buying gas. In nearly all of the things we do from day to day, there’s the risk of identity theft. You could unknowingly give your information to a fraudster thinking you’re...

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Porch Safety: Should You Leave the Lights On?

It seems like a no-brainer to leave the lights on outside your home to deter burglars while you’re away (or even while you’re asleep). But does that really work? Or is it just a waste of electricity — particularly this...

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