Connecticut Workers Comp Insurance

With limited exceptions, every employer in Connecticut with one or more employee(s) is required by law to have a valid workers' compensation policy at all times. This "no fault" insurance not only provides injured workers with medical care and partial wage replacement, but also protects the policyholders from potentially damaging lawsuits. Although most companies in Connecticut purchase a traditional commercial insurance policy, there are alternative methods of coverage which include licensing as a self insurer, gaining membership in a self insurance group, or obtaining coverage in the Assigned Risk Pool.

CT Workers Comp Insurance Specific Regulations

• Having any employees working in Connecticut requires a company to have workers’ compensation insurance
• If you work for someone else you will not be covered by their insurance policy unless you are an employee. This requires independent contractors to have their own workman’s compensation insurance
• Connecticut has a private market for insurance that includes any carrier licensed to write in Connecticut. Businesses that struggle to secure coverage may contact Connecticut’s assigned risk pool .
• In Connecticut solo proprietors are excluded from coverage, but have the option to secure coverage for yourself.
• Partners, corporate officers, or members of LLCs are included in coverage, but have the option to opt out