Our Latest Posts

Employment Practices Liability Product


  • Fair Labor Standards Act (FLSA) – $100,000 sub-limit for defense costs and loss (available in most jurisdictions)
  • Defense and Settlement Provision (Hammer Clause) softened to cover 75% of defense costs and loss after insured’s final refusal to consent to settle a claim
  • Defense Outside the Limit up to 200 employees if a $500,000 limit or higher is chosen
  • Full Prior Acts coverage for claim-free accounts for most classes
  • Punitive Damages with most favorable venue wording
    included in the definition of Loss (available in most jurisdictions)
  • Front and Back Pay included in the definition of Loss
  • “For” wording applies to Bodily Injury/ Property Damage
  • Wrongful Act definition expanded to included coverage for the
    negligent violation of the Uniformed Services Employment & Reemployment Rights Act (USERRA)
  • Independent Contractors are included in the definition of
  • Full Severability
  • Spousal Liability extended to Domestic Partners
  • Final Adjudication wording for fraud exclusion
  • Defense costs coverage for breach of express employment
  • Retaliation carve backs for many exclusions
  • Defense costs coverage for claims involving the modification
    of real property


  • A.M. Best rated A++ carrier
  • 3 Year policy available for most classes
  • Optional Third Party Discrimination and Harassment
    coverage available for most classes
  • Extended Reporting Periods of 1, 2, and 3 years available for 50%, 100% and 150% of the annual premium
  • Free human resources consultation HELPLINE service with
    unlimited calls and no time limits plus an online HR Resource
  • Competitive pricing
  • Timely responses to all inquiries and submissions
  • Efficient and fair payment of claim
  • Technical competence

For more information or for a quote, please contact Angela Guerrera.

Special Events

We have the ability to provide fast quote turnaround for your Special Events. Eligible classes can be covered for General Liability, Liquor Liability or both!


  • General Liability Coverage and/or Commercial Liquor Liability coverage available for events with up to 10,000 attendees per day on most risks
  • The Host™ – Host Liquor Liability available for one-day events with 500 or less attendees
  • Separate limits for General Liability and Host Liquor Liability
  • Automatic coverage for volunteers, temporary or leased workers, and committee members
  • Food and beverage Product Liability included in the General Aggregate
  • Medical Payments coverage
  • Coverage for damage to rented premises
  • Property owner can be included as Additional Insured at no charge


  • Beer Gardens/Beer Tents, Concerts/Musical Performances, Festivals, Parties, Sporting Events, Motor Vehicle Events, Car Shows, Conventions/Trade Shows/Exhibits, Fund Raisers, Parades, Picnics, Weddings/Receptions and many other miscellaneous events


  • Limits of $1,000,000/$2,000,000 available


  • Low minimum premium
  • A.M. Best rated A++ carrier

For more information regarding Special Events or for a quote, please contact Denise Borrelli.

Personal Umbrella for Standard Applicants

Our Personal Umbrella for Standard Applicants is designed for individuals with acceptable, but not perfect driving records, mid-sized watercraft, and/or multiple home and automobile exposures. It is available for individuals who do not have local or national name and face recognition.


  • True Umbrella coverage
  • Limits available up to $10,000,000 for risks that qualify
  • $25,000 of Excess Uninsured/Underinsured Motorists coverage included in the basic premium. Additional excess UM/UIM limits are available
  • Personal Injury Protection automatically included when provided by underlying coverage
  • First dollar coverage for Non-owned Watercraft and Recreational Vehicles
  • A.M. Best rated A++ carrier


  • Coverage available for vehicles, motorcycles, jet skis and
    recreational vehicles
  • Underlying coverage on a Personal lines form except for underlying Business Auto or Garage forms
  • One at fault accident
  • Up to four violations in the household
  • Unlimited number of watercraft if less than 25 feet
  • Up to one watercraft 26-50 feet


  • Fast and easy access to quote this product on our website
  • Quick turnaround time on submissions
  • Superior Policy Issuance

For more information regarding Personal Umbrellas or for a quote, please contact Denise Borrelli.

Workers Comp Markets!

If you are having trouble finding workers compensation coverage for hard to place classes then look no further. Continental Agency of CT, Inc. has an array of markets we work with. We have direct quoting authorization in our office with Berkley Net and AmTrust!

CA of New England

Here’s a list of a few of our other Workers Comp markets:

  • Chartis
  • Public Service Mutual
  • Guard
  • The Hartford
  • Tower Insurance
  • QBE (Praetorian)
  • Seabrite Insurance and many more

Our volume size with these carriers gives us some flexibility with rates and difficult classes that other brokers do not have access to.

Continental can write coverage with mods as high as 1.75!
Our minimum premium is as low as $500 and our maximum premium is $1 million.
New ventures and no prior coverage are not a problem.
Our carriers even offer direct billing.

Some of the classes we have recently written are:

  • Roofers
  • Health Care
  • Fuel Oil
  • Contractors
  • Restaurants
  • Iron & Steel and more

For more information or to get a quote, please contact Brendan Mullally.

Adult Daycare

Continental Agency of CT, Inc. offers Comprehensive General Liability, Professional Liability and Property coverage for Adult Daycares. Coverages include:

  • Directors and Officers Liability now available
  • Coverage available for Medical or Social Adult Daycares
  • Volunteers included as Insureds
  • Employees as Insureds by endorsement
  • Property Enhancement form available

General Liability

  • GL limits available up to $2,000,000 each occurrence/$2,000,000 aggregate
  • Sexual Molestation limits up to $3,000,000/$3,000,000
  • Defense is OUTSIDE the limits
  • Damage to Premises Rented to You up to $100,000
  • Medical Payments up to $5,000
  • Occurrence-based coverage
  • Additional Insured available
  • Employee Benefits Liability


  • Commercial Property is available for Buildings, Business Personal Property & Loss of Earnings
  • Property Extension/Enhancement endorsement includes personal effects and property of others, valuable papers, property off premises, signs, sewer and drain backup, etc.
  • Property Floaters available to cover Equipment and Tools

For more information regarding Adult Daycares or for a quote, please contact Denise Borrelli.

Emergency Care Services

Continental Agency of CT offers Comprehensive General & Professional Liability, Property and Inland Marine coverages for Emergency Care Services. These coverages include:

  • Ambulance Services
  • First Aid and Rescue Squads
  • Paramedics and First Responders
  • EMT’s
  • Non-Emergency Transportation Services

Professional & General Liability

  • GL limits available up to $1,000,000 each occurrence/$3,000,000 aggregate
  • Defense is OUTSIDE the limits
  • Occurrence-based coverage
  • Emergency Medical Technician additional insured and off-duty coverage
  • Loading and Unloading of patients coverage
  • No Sexual Molestation exclusion
  • Pays defense costs, first-aid expenses and medical payments


  • Commerical Property is available for Building, Business Personal Property & Loss of Earnings
  • Property Extension/Enhancement endorsement includes personal effects and property of others, valuable papers, property off premises, signs, sewer and drain backup, etc.
  • Property Floaters available to cover Equipment and Tools

Please email the ‘Emergency Care Services Application’ to Denise Borrelli for a quote or contact her for more information.

Continental’s Top 10 ‘Hot’ Classes

CA of New England
1. Homeowners’ & Condo Associations
2. General Contractors
3. Apartment Buildings
4. Dwellings
5. Buildings
6. Contractors (Sub-Contract Work)
7. Home Healthcare & Nurse Registries – Skilled
8. Carpentry
9. Tree Surgeons
10. Restaurants

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