April 23, 2026
AgencyCyber Liability: Does Cyber Insurance Cover Employee Mistakes or Phishing Attacks?
Cyber threats are a growing concern for businesses of all sizes and across many industries. As technology evolves, so do the tactics used by cybercriminals. With this in mind, it’s crucial for organizations to understand how cyber liability insurance might help protect against financial losses incurred by various incidents, such as employee mistakes and phishing attacks. Understanding Cyber Liability Coverage Cyber liability insurance, also known as […]
March 23, 2026
AgencyCyber Liability: The Future of Cyber Risk for Small Businesses
As technology continues to evolve, so do the risks facing small businesses. Cyber threats like data breaches, ransomware and phishing attacks are no longer concerns just for large corporations; they can impact organizations of any size. At , we understand how overwhelming it can be to navigate these emerging risks, and we’re here to help small business owners protect what matters most. […]
January 29, 2026
AgencyDoes Your Policy Cover Hired and Non-Owned Vehicles?
When running a business in Connecticut, it’s common to rely on vehicles you don’t own, whether that means renting a car for a client meeting or having employees use their personal vehicles for deliveries. It’s crucial to determine whether those vehicles are covered by your commercial auto insurance policy. What Are Hired and Non-Owned Vehicles? Standard commercial auto insurance policies often focus on vehicles owned by your […]
December 19, 2025
AgencyHow Commercial Auto Insurance Works for Mixed-use Vehicles
Operating a vehicle for both personal and business purposes is common for many business owners and self-employed professionals. However, using a vehicle in this way, often called “mixed-use,” can create unique insurance needs that aren’t always covered by a standard personal auto policy. At , we help our clients understand how commercial auto insurance can protect mixed-use vehicles and ensure […]
October 23, 2025
AgencyThe Impact of Safety Courses on Your Boat Insurance Premiums
Boating is a cherished pastime for many, but owning a boat also comes with financial responsibilities, including securing insurance coverage. At , we’re committed to helping our clients understand how to cover their vessels and save on insurance costs. One effective way to do both is by completing boating safety courses. How Safety Courses Can […]
September 22, 2025
AgencyDo You Need Insurance for a Jet Ski, Kayak, or Paddleboard?
If you own a jet ski, kayak, or paddleboard, you may wonder whether insurance is necessary for your watercraft. While these vessels offer fun and relaxation on the water, they also come with risks that can lead to unexpected expenses. At , we help watercraft owners understand their insurance options so they can enjoy their […]
August 20, 2025
AgencyDo You Need Different Insurance for Sailboats vs. Powerboats?
When it comes to insuring your boat, one size does not fit all. Sailboats and powerboats differ significantly in terms of design, usage and risk profile, which means insurance needs can vary between the two. Understanding these differences is key to choosing the right coverage and protecting your investment. Key Differences in Risk and Usage […]
June 29, 2025
AgencyCertificate of Insurance: What It Is and Why You’ll Be Asked for It
A certificate of insurance (COI) is a document issued by an insurance company or broker that verifies the existence of an insurance policy and summarizes its key details. It typically includes the policyholder’s name, the type of coverage, policy limits, effective dates and the insurer’s contact information. While a COI is not the insurance policy […]
May 29, 2025
AgencyTop Business Insurance Trends in 2025
The business world is constantly evolving, potentially requiring owners to make critical decisions on strict timelines. As companies navigate through 2025, several key trends are shaping the business insurance landscape across many sectors. At Koziura Insurance Agency, we’re committed to helping you navigate the coming year and maintain ideal coverage. 5 Key Business Trends Affecting […]
March 24, 2025
AgencyCan Life Insurance Be an Investment? Exploring Cash Value Policies
Life insurance is traditionally viewed as a way to offer financial security for loved ones after one’s death. However, certain types of life insurance, known as cash value policies, offer an investment component that can be leveraged during the policyholder’s lifetime. But can life insurance be considered an investment? What Are Cash Value Policies? Cash […]