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Hillcrest Agency

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Essex, CT
Hillcrest Agency

Hillcrest Agency is your independent broker specializing in Commercial and Environmental Insurance

Hillcrest Agency is your independent broker specializing in Commercial and Environmental Insurance throughout the United States.

11/02/2026

Own a building you lease to a doctor's office, clinic, or assisted living operator? 🏥

An insurer is asking a court to rule it doesn't have to cover a building owner in a lawsuit over a resident's death at a memory care facility. The reason: the landlord's policy excluded injuries to patients and residents.

✔️ Know what your own policy excludes
✔️ Make sure your tenant carries the right coverage
✔️ Confirm you're listed as an additional insured

Want a second look at your lease and policy? Send us a message.

10/30/2026

Building something this winter? 🏗️

Insurance for projects under construction has gotten cheaper lately, but losses on job sites are still running high, and some insurers are easing their security rules to win business.

Before your next project starts, check:
✔ What site security your policy requires (fencing, lights, cameras)
✔ What happens to a claim if those aren't in place
✔ How you're covered if work pauses and the site sits empty

A cheaper policy is nice. A paid claim is better. Want a second look at your project coverage? Send us a message.

10/28/2026

Own or run a storage facility? 💻🔐

Your rentals, payments and gate codes probably run through outside software. If one of those companies gets hacked, your tenants will still call you.

A few questions worth asking:
✔ Does your insurance include any cyber coverage?
✔ Does it apply if the breach happened at your software vendor?
✔ Would it cover a fake invoice or payment request sent by email?

Not sure what your policy says? Send us a message and we'll help you find out.

10/23/2026

Own apartments? Here's a winter tip ❄️

Empty units between tenants are where frozen pipes love to start. The heat gets turned down to save money, nobody's inside, and a burst pipe can soak the units below before anyone notices.

✔ Keep a minimum temperature in empty units
✔ Check them regularly and write it down
✔ Ask how your policy handles freeze damage

Some property policies limit coverage if the heat wasn't kept on. Want help checking yours? Message us anytime.

10/12/2026

Building or renovating? Here's one to put on your radar 🏗️

Builder's risk insurance covers a project while it's under construction, but the policy ends on a set date. If the job runs late, the coverage doesn't automatically stretch to match.

✅ Check your policy end date against today's schedule
✅ Ask what happens if people move in before the work is done
✅ Line up permanent property coverage before the handoff

Is your project running behind? Message Hillcrest and we'll help you check for gaps.

10/09/2026

Some good news for business owners 👇 Commercial property insurance prices are dropping at the fastest pace in about ten years, according to a new Willis report.

The catch? Liability coverage, like umbrella and excess policies, is still getting more expensive.

✅ Property renewal coming up? Ask about better terms or higher limits.
✅ Liability renewal coming up? Start early and have your claims history ready.

Not sure where your policies stand? Send Hillcrest a message and we'll take a look.

10/07/2026

Thinking about buying a building or a piece of land? This story is worth a minute 👇

The EPA is taking public comment on a $7.61 million settlement to recover cleanup costs at a former manufacturing site in North Carolina, part of a long-running Superfund cleanup.

The takeaway for property buyers: environmental problems can stay with the land, and regular business insurance usually excludes pollution.

✅ Get an environmental site assessment
✅ Ask about pollution liability coverage before you close

Have a property with an industrial past? Message Hillcrest and let's talk it through.

10/05/2026

Think pollution insurance is only for factories? Think again.

This week the EPA announced a $700,000 settlement with a company that sterilizes medical devices. EPA says its emissions controls weren't working properly for years.

Clinics, labs, medical suppliers and even businesses that store fuel or cleaning chemicals can have pollution exposure. And most general liability policies exclude pollution claims.

Want to know if your policy has this gap? Message us and we'll walk you through it.

10/02/2026

Florida business owners: if your commercial property is insured through Citizens, this one's for you.

The state wants Citizens to set up a system by January 1 that moves commercial policies to private carriers. This week regulators said the plan isn't ready yet.

What matters more for you is that Florida's commercial market has opened up. More carriers are writing again, and staying with Citizens by default may mean paying more for less coverage.

Hillcrest works with specialty and surplus lines carriers that write Florida commercial risks, and we'd be glad to show you what's out there. When did you last shop your policy? 👇

09/30/2026

Here's something most business owners don't know: when a big storm is on the way, insurance companies stop writing new policies until it passes.

That happened last week when a nor'easter hit the Northeast and Mid-Atlantic. Carriers told agents to hold off on binding new business.

So the time to find a gap in your coverage is before the forecast, not during it. Two quick things to check:
✔️ Does your property policy cover flood? Most don't.
✔️ What's your wind deductible in actual dollars?

Not sure? Send us a message and we'll take a look. 🌧️

Address

28 Main Street
Essex, CT
06426

Opening Hours

Monday	9am - 4pm
Tuesday	9am - 4pm
Wednesday	9am - 4pm
Thursday	9am - 4pm
Friday	9am - 4pm

Website

http://www.hillcrestagency.com/

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