All Connecticut employers must carry work comp insurance for their workforce.
Workers' compensation covers wage replacement and medical bills for employees injured on the job. State lawmakers have made recent strides to update the workers’ compensation system; most notably, providing PTSD coverage for first-responders, such as firefighters.
Read on for more on the Connecticut work comp system.
All employees working in Connecticut must be covered by a workers’ compensation policy. Requirements differ for non-employees:
Related resource: The Small Business Owner's Guide to Workers' Compensation Insurance
Like most states, Connecticut has a private market. This allows businesses to purchase workers' compensation insurance from any insurance carrier or agency that is licensed to write in that state.
Connecticut's assigned risk pool, handled by NCCI, is also available to find coverage for high-risk businesses.
Connecticut workers’ comp rates are decreasing in 2019, effective January 1. The state insurance department approved a more than 16% drop in rates for workers’ compensation insurance.
This is the fifth consecutive year that rates have decreased, and is the result of a decline in the number of workplace injuries, work comp claims filed and average medical costs per claim.
Editor’s note: Last updated February 1, 2019