- Home
- Life Insurance
- Health Insurance
-
Personal Lines
Car Insurance Classic Car Insurance Homeowner's Insurance Condo Insurance Renters Insurance Landlord Insurance Dwelling Fire Insurance Vacant Dwelling Insurance Home Warranty Pet Insurance Flood Insurance Travel Insurance Jewelry Insurance Umbrella Insurance Motorcycle Insurance Watercraft Insurance Event Insurance
-
Commercial Lines
Business Owner's Policy Commercial Event Insurance Small Business Insurance Short Term Rental Commercial Auto Trucking Insurance Inland Marine Insurance Builder's Risk Insurance Worker's Compensation Ghost Worker's Compensation Policy Liability Insurance Employment Practices Liability (EPLI) General Liability Insurance Cyber Liability Insurance Error and Omission Barbershop & Salon Insurance Coffee Shop Insurance Industry Specific Cannabis Business Insurance Tattoo Insurance Real Estate Investors
- About Us
- Resources
Protect Your Business & Employees With Worker's Compensation Insurance
Running a business in Connecticut means protecting your team. Workers' compensation insurance isn't just smart—it's required. At Insure Connecticut LLC, we make it easy for businesses of all sizes to get affordable, compliant coverage that safeguards both employers and employees.
What Is Workers' Compensation Insurance?
Workers' compensation insurance provides benefits to employees who suffer job-related injuries or illnesses.
This includes:
- Medical expenses for necessary treatment
- Lost wages during recovery
- Disability benefits (temporary or permanent)
- Rehabilitation services
- Death benefits for families in tragic cases
For business owners, workers' comp also helps protect against lawsuits that may arise after a workplace injury.
Connecticut Workers' Compensation Requirements
Who Must Carry Coverage?
In Connecticut, most employers are legally required to carry workers' compensation insurance—even if you have just one employee. This applies to:
- Full-time and part-time workers
- Seasonal employees
- Minors and apprentices
- Certain contractors and subcontractors
Who May Be Exempt?
- Sole proprietors and single-member LLC owners can choose to exclude themselves from coverage.
- Corporate officers and members of an LLC may opt out if they file a written request.
Important: Failing to carry coverage can result in penalties, fines, and exposure to lawsuits, so compliance is critical.
How Much Does Workers' Compensation Cost in Connecticut?
Workers' comp premiums in CT vary depending on several factors:
- Industry and job classification codes (risk levels differ—office clerks vs. construction workers)
- Payroll size (rates are calculated per $100 of payroll)
- Claims history (safer workplaces may qualify for discounts)
- Experience modification rating (MOD)
💡 Example: A retail store may pay around $0.50–$1.00 per $100 of payroll, while construction businesses may pay $7.00–$10.00 per $100 of payroll.
At Insure Connecticut LLC, we shop multiple carriers to secure the best possible rates for your industry.
Filing a Workers' Compensation Claim in Connecticut
When an employee is injured on the job, Connecticut law requires prompt action:
The employee reports the injury to the employer immediately.
Employer files Form 30C (Notice of Claim) with the Connecticut Workers' Compensation Commission.
Medical treatment begins with an approved provider.
Benefits are issued if the claim is accepted.
We guide business owners through this process to ensure compliance and smooth claims handling.
Frequently Asked Questions
Is workers' compensation insurance required in Connecticut?
Yes. If you employ at least one person, you must carry coverage.
Does workers' comp cover part-time employees?
Yes, part-time and seasonal workers are covered under CT law.
How can I reduce my workers' comp premiums?
Investing in safety programs, keeping a clean claims history, and working with an experienced broker like Insure Connecticut LLC can help lower costs.
What happens if I don't carry workers' comp in CT?
You may face state penalties, lawsuits, and liability for all injury-related expenses.
Get Compliant & Protected Today
Don't risk penalties or lawsuits. Get workers' compensation insurance that meets Connecticut's requirements and protects your business. Contact us for a free quote.