top of page
worker's compensation insurance in Connecticut (1).jpg

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.

Compare Workers’ Compensation Insurance Quotes — Save on Coverage

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 Insurance Requirements

Connecticut law requires most businesses with employees to carry workers’ compensation insurance.

You typically must have coverage if you have:

  • Full-time or part-time employees

  • Seasonal or temporary workers

  • Family members on payroll

 

Penalties for non-compliance may include fines, lawsuits, and business shutdowns.

How Much Does Workers’ Compensation Cost in Connecticut?

Workers’ comp premiums in Connecticut depend on several factors:

Factor
How It Affects Cost
Classification codes
Correct codes reduce overpayment
Claims history
Fewer claims = lower costs
Payroll size
More payroll = higher premium
Industry & job risk
Higher risk = higher rates

Estimated CT cost examples (per $100 payroll):

  • Office / Clerical: ~$0.30–$0.75

  • Retail: ~$1.00–$2.50

  • Construction: ~$7.00–$10.00+

How to File a Workers’ Compensation Claim in Connecticut

When an employee is injured on the job, Connecticut law requires prompt action:

  1. The employee reports the injury to the employer immediately.

  2. Employer files Form 30C (Notice of Claim) with the Connecticut Workers’ Compensation Commission.

  3. Medical treatment begins with an approved provider.

  4. Benefits are issued if the claim is accepted.

 

We guide business owners through this process to ensure compliance and smooth claims handling.

Why this works

  • Reduces fear

  • Shows broker value

  • Improves credibility

Frequently Asked Questions:

Is workers’ compensation insurance required in Connecticut?

Yes. If you employ at least one person, you must carry coverage.

Does workers’ compensation insurance cover part-time employees?

Yes, part-time and seasonal workers are covered under CT law.

​​How can I reduce my workers’ compensation insurance 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’ compensation insurance in Connecticut?

You may face state penalties, lawsuits, and liability for all injury-related expenses.

Helpful Blogs about Worker's Compensation Insurance

bottom of page