Commercial & Small Business Insurance

Neighbors first. Insurance second.

Protecting the dreams that keep your business — and your community — running strong.

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Whether you’re a contractor, landscaper, shop owner, or local entrepreneur, your business deserves the same care you give your customers. Michele Rosa Insurance offers coverage designed to protect the people, property, and progress behind every hardworking Connecticut business.

Coverage Built for Real Businesses

Workers’ Compensation

One worker kneeling to set a fieldstone in place while another stands behind him wiping his brow in a late spring field near a farmhouse.

Support for employees who experience workplace injuries — and protection for your business.

Your employees are the heart of your business. Workers’ compensation coverage supports them if they’re hurt on the job — and protects you from unexpected costs. It helps cover medical care, recovery time, and wages while keeping your workplace compliant and supported.

Business Auto & Equipment Coverage

A farmer walks between a pickup truck and a red tractor, inspecting equipment in a farmyard near a barn on a warm autumn afternoon.

Coverage for the vehicles and equipment that keep your business moving every day.

From delivery vans to work trucks and specialized equipment, your business relies on vehicles that need to stay on the road. Business auto and equipment coverage helps protect your fleet and essential tools from accidents, theft, and damage so your work can continue without major setbacks.

General Liability Insurance

Farm stand owner attentively serving customers browsing apples, honey, and pumpkins on a warm late summer afternoon.

Coverage for accidents, injuries, or damages that may occur while you’re serving customers.

General liability insurance helps protect your business when accidents happen — whether it’s a customer injury, property damage, or an unexpected incident during operations. It’s essential coverage that helps safeguard your reputation and your bottom line.

Business Property Insurance

A farmer stands beside a tractor in a vast field of neat crop rows under a wide golden sunrise sky.

Protection for the buildings, tools, and equipment your business depends on.

Your workplace, equipment, and tools keep your business moving — and they deserve reliable protection. Business property insurance helps cover damage from fire, theft, vandalism, or severe weather, so you can get back to work without major interruptions.

Running a business isn’t nine-to-five — and your insurance shouldn’t be either. Michele offers responsive, practical service that helps you stay focused on your customers while she keeps an eye on your coverage.

We Understand Your World

Michele works with a wide range of local industries — from trades and construction to agricultural and hybrid operations. Her experience means fewer surprises, better guidance, and coverage that matches how your business really works.

  • 30+ years of experience in multiline business coverage
  • Local insight and fast turnaround on quotes
  • Clear explanations — no jargon, no pressure
  • Trusted by business owners across the North East

We can’t stop life’s little surprises, but we can make sure you’re covered.

You keep doing what you’re good at. We’ll handle the rest.

Because We Listen.

Michele Rosa, LUTCF

Sit Down with Michele

We’re here to help you protect what matters most. Reach out anytime—by phone, email, or visit our office.