Connecticut Workers' Compensation Insurance

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.

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Connecticut Workers’ Compensation Requirements

All employees working in Connecticut must be covered by a workers’ compensation policy. Requirements differ for non-employees:

  • Sole proprietors: Excluded from coverage but have the option to get coverage for themselves.
  • Partners: Included in coverage but have the option to exclude themselves. 
  • Corporate officers and members of an LLC: Included in coverage but have the option to exclude themselves.

Related resource: The Small Business Owner's Guide to Workers' Compensation Insurance

How to Buy Workers’ Compensation in Connecticut

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’ Compensation Insurance Rates

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.

Connecticut Work Comp Resources

Editor’s note: Last updated February 1, 2019

Here's What You Need to Get Started

To buy workers compensation insurance, you need to request a quote from a licensed insurance agent and provide some details about your business.

Here’s what to have in front of you:

  • Number of employees in each class code.
  • Total payroll for all employees. You may be able to exclude yourself if you don't wish to be covered under the policy. 
  • Federal ID Number. If you are a sole proprietor, you can use your Social Security Number.
  • Copy of your workers comp insurance policy, if you've had coverage or claims in the past few years. If you know your company's experience mod, please have your experience mod rating sheet or policy in front of you. Otherwise, you will be assigned a default rating of 1.0.

The information on this page has been interpreted and summarized for your convenience. Please consult your state's governing authority for the most current and complete legislation.