---
title: Insurance Blog | The Russell Agency, LLC in Southport, Connecticut
description: Read the Russell Insurance blog for local, interesting and up-to-date Connecticut insurance news.
---

# INSURANCE BLOG

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[**Attention Builders: New Freeboard Requirement Effective January 2021** — — — **The objective of the Community Rating System** (CRS) is to recognize communities that are doing more than meeting the minimum NFIP requirements to help their citizens prevent or reduce flood losses. The CRS also provides an incentive for communities to initiate new flood risk reduction… — Apr 10, 2020](/blog/2020/attention-builders-new-freeboard-requirement-effective-january-2021)

[**Connecticut Insurance Commissioner calls on insurers to adjust premiums** — Connecticut Insurance Department Commissioner Andrew N. Mais called on insurers to lower auto premiums and adjust commercial hired and non-owned auto insurance in response to the disruption that the COVID-19 pandemic has caused. According to the CID, premiums should reflect the reduced risk during… — Apr 9, 2020](/blog/2020/connecticut-insurance-commissioner-calls-on-insurers-to-adjust-premiums)

[**When a Bicycle Hits a Car, What Insurance pays?** — If your car was hit and damaged by a bicyclist to which policy—household auto or homeowners—should you look to recover for the damage caused by the bicyclist’s negligence? — **The bicyclist’s homeowners policy**. The personal auto policy insures autos and trailers for property damage liability, but… — Apr 8, 2020](/blog/2020/when-a-bicycle-hits-a-car-what-insurance-pays)

[**ERISA and Your Business Insurance** — The Employee Retirement Income Security Act of 1974 establishes specific duties and standards for discretionary and nondiscretionary activities in the management of employee benefits plans. Liabilities incurred by fiduciaries and any other “party-in-interest” created by ERISA have resulted in the… — Apr 7, 2020](/blog/2020/erisa-and-your-business-insurance)

[**Why You Need Service Line Coverage** — Let’s spare a moment for something most of us use every day yet probably take for granted: our service lines. We rely on them for access to water, electricity, gas, Internet connection, and more, but only think about them when service is interrupted. And when that happens, you may be surprised by… — Apr 3, 2020](/blog/2020/why-you-need-service-line-coverage)

[**Connecticut Launches Small Business Bridge Loans** — Gov. Ned Lamont’s Economics Chief David Lehman announced the immediate roll-out of the Connecticut Recovery Bridge Loan Program, which will allow Connecticut small businesses hit the COVID-19 crisis to borrow up to $75,000 at no interest. The loans should help businesses stay afloat until they can… — Apr 3, 2020](/blog/2020/connecticut-launches-small-business-bridge-loans)

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