Apuzzo Associates, Inc.

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Apuzzo Associates, Inc.

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08/04/2026

Happy Shark Week to all who celebrate! 🦈 If you’re heading out onto the Sound this week, we hope the only thing biting is the bluefish. But just in case you encounter unexpected trouble on the water, make sure your watercraft policy and personal umbrella coverage are fully dialed in. Because Jaws is scary, but an uninsured marine liability claim is truly terrifying. Let's simplify your options and keep your voyage smooth. Message us today!

07/30/2026

With New England energy costs and supply chain bottlenecks squeezing profit margins, local manufacturers are facing a tough balancing act. When electricity rates spike and supply delays threaten fulfillment, protecting your bottom line requires more than standard coverage. At Apuzzo Associates, we help CT and New England manufacturers build resilient property, equipment breakdown, and business interruption policies tailored to regional risks. Don't let hidden coverage gaps threaten your operations. Let’s review your current policies and ensure your plant and profits are fully protected. Message us today or call our office to schedule a quick, no-pressure review.

07/10/2026

Is your summer on the Sound fully protected?

Before you pull away from the dock, make sure your coverage is ready for the unexpected. Boating brings unique risks that can catch even seasoned captains off guard.

What every CT boater needs for a worry-free season:

📍 Liability: As the operator, you’re responsible for collisions or injuries. High liability limits are key to protecting your family’s assets.
📍 Equipment: Safety gear like life jackets and fire extinguishers can often be specifically covered.
📍 The Umbrella Advantage: For boat owners, an Umbrella policy acts as the ultimate safety net, providing extra protection beyond your standard limits.

At Apuzzo Associates, we turn insurance confusion into clarity. Let’s review your PWC or boat coverage so you can focus on the horizon.

Ready for a quick review? Message us today: let’s keep your summer smooth and safe.

07/07/2026

The IRS just released updated limits for Health Savings Accounts and High-Deductible Health Plans for 2027. If you offer employee benefits or are enrolled in an HSA-qualified plan, these numbers matter for your planning.

2027 HSA Contribution Limits
Self-only: $4,500 (up $100)
Family: $9,000 (up $250)
Age 55+ catch-up: $1,000 (no change)

2027 HDHP Thresholds
Minimum deductible (self-only): $1,750
Minimum deductible (family): $3,500
Out-of-pocket max (self-only): $8,700
Out-of-pocket max (family): $17,400

Excepted-Benefit HRA: $2,250 per plan year

One notable addition: the One Big Beautiful Bill Act created a new Direct Primary Care Service Arrangement (DPCSA) carve-out, effective for months after December 31, 2025. The monthly fee limits are $150 for individuals and $300 for families.

These are effective for tax year 2027. If you have questions about how these changes affect your group benefits plan or employee benefits strategy, we are here to help.

Message us at [email protected] to connect with our team.

Source: IRS Rev. Proc. 2026-24 - irs.gov/irb/2026-25_irb

This is for general informational purposes only and is not tax, legal, or benefits advice. Consult a qualified professional before acting on these figures.

07/03/2026

Celebrating 250 years of the American experiment. From the shot heard 'round the world to the fireworks over your backyard, the freedom we enjoy is worth protecting. At Apuzzo Associates, we help safeguard the life, family, and business you've built on that foundation. Happy Independence Day, CT. Here's to 250 more.

06/29/2026

What a finish at TPC River Highlands! ⛳️

Huge congrats to Viktor Hovland on his playoff win over Scottie Scheffler right here in Cromwell. While Viktor celebrates, the rest of us hitting the links need to stay out of the "rough" when it comes to liability.

A "perfect" round has its risks. Here is how we help CT golfers stay protected:

📍 Golf Cart Liability: Your homeowners policy might not cover course accidents. Don't assume; be sure.

📍 Personal Umbrella Policy: The ultimate defense for those "oops" shots that find a windshield instead of the green.

📍 Equipment Coverage: Your clubs are an investment. We help protect them from theft or damage.

At Apuzzo Associates, we provide the clarity you need so you can focus on your swing. Whether you're a pro or a weekend warrior, we've got your back.

Ready for a quick review? Message us today. Let’s make sure your only worry is that 10-foot putt!

06/18/2026

Class of 2026, you did it! 🎓 Parents, you deserve a medal (or at least a long nap) for getting them across the finish line. As you gear up for the celebrations, let’s keep the party legendary for all the right reasons.

At Apuzzo Associates, we love a good party, but we love protection more. Here’s your Graduation Safety Cheat Sheet:

✅ Safe Rides: Ensure guests have a designated way home. Let’s keep our CT roads clear.
✅ Umbrella Check: Not for rain! An Umbrella Policy adds liability protection if a guest trips or falls.
✅ Pool Patrol: If you’re poolside, keep a “water watcher” on duty.
✅ The Talk: Remind your grad that distracted driving isn’t a graduation gift.

You’ve worked hard to reach this milestone. Let us handle the risks so you can focus on the memories.

Congrats to all our local grads! Message us today to simplify your options.

06/17/2026

Why are the "giants" getting insurance breaks while your small business is still seeing hikes?

Lately, there’s a gap in the market. Softening rates are often passed down to big corporations first, while local firms are left navigating rising premiums. At Apuzzo Associates, we believe "local" shouldn't mean "last."

We use our big firm resources to help local CT businesses secure the same competitive breaks usually reserved for the giants. Whether it’s financial loss, cyber threats, or rising costs, we’re here to turn confusion into clarity.

Think of insurance like a puzzle: we’re just here to make the pieces fit so you can get back to what you do best.

✅ Big firm resources, local agency heart
✅ Expert protection for CT families and businesses
✅ Simplified savings

Let’s simplify your options and see where we can find those soft market breaks for you. Message us today for a quick, no-pressure coverage review.

06/06/2026

🚨 Big news for families with young drivers!

Auto insurance costs have been climbing fast, and if you have teenagers or young adults on your policy, you already know the pain. But here's some great news.

We just added Root Insurance to our carrier lineup, and they are changing the game when it comes to auto insurance pricing.

Here's a real result: We just saved a family of four with youthful drivers $400 a month. That's $4,800 back in their pocket every single year.

Root Insurance uses a smarter approach to pricing, rewarding safe drivers and giving independent agencies like ours the tools to find real savings for our clients.

If you haven't had your auto insurance reviewed recently, now is the perfect time. One conversation could put serious money back in your budget.

📩 Message us today to see how much we can save you!

06/03/2026

Ever wonder what it feels like to have a "guaranteed floor" for your retirement? 🛡️

In today’s shifting financial landscape, many of our clients are asking the same question: How do I ensure my income stays stable, no matter what the market does?

At Apuzzo Associates, we believe retirement should be about relaxation, not checking tickers. That’s where annuities come in. Think of them as the solid foundation of your financial house: providing a safety net that ensures your lifestyle never dips below a certain level.

Why consider an annuity for your 2026 strategy?

• Principal Protection: Guard your hard-earned savings against market downturns.
• Reliable Income: Create a steady stream of payments you can’t outlive.
• Peace of Mind: Move from "what if" to "what’s next" with total clarity.

We specialize in helping CT families and business owners solve the puzzle of retirement planning with simple, expert advice. We move you from the stress of rising volatility to the comfort of a clear, protected path.

Ready to simplify your options? Message us today or give the office a call to schedule a quick review. Let’s build the security you deserve.

Address

101 N Plains Industrial Road
Wallingford, CT
06492

Telephone

+12036261267

Website

http://www.apuzzoassociates.com/, https://fc70145.getcoveredinsurance.com/renters, https://app.back9ins.com/apply/FrankA

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