Connecticut Business Insurance

Customized protection for your Connecticut business

Connecticut small business owners should consider several types of business insurance to protect against a variety of incidents, including commercial vehicle accidents, employee injury and business property damage. These situations can lead to expensive lawsuits and recovery costs that can be difficult to handle without adequate insurance.

Small businesses in Connecticut employ over 47% of the state’s workforce, according to the U.S. Small Business Administration (SBA), which makes them important contributors to the state’s economy. These businesses are required by Connecticut state law to carry workers’ compensation insurance to protect their employees if they become injured or ill while on the job.

Shop for workers’ compensation, general liability and more through the Progressive Advantage® Business Program. Our team of licensed professionals can get you started with a quote customized to your Connecticut business.

Types of CT business insurance

General Liability

This is the most common business insurance coverage, and nearly all businesses in Connecticut should have it. It protects against third-party bodily injury and property damage, as well as personal and advertising injury.

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Commercial Auto

This coverage protects against damage to your vehicles and trailers, as well as injuries or property damage related to their use. Your personal auto policy doesn’t cover vehicles while they’re being used for business reasons.

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Workers' Compensation

Businesses in Connecticut are required to carry workers’ comp insurance if they have one or more employees. Workers’ comp insurance helps pay for expenses related to employees becoming injured or ill while working for your business.

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Business Owners Policy (BOP)

A BOP combines property and liability coverage into one easy-to-manage policy. It’s a great option for small to medium-sized businesses that rent or own commercial property, such as a storefront, warehouse or office building.

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Professional Liability

Connecticut businesses that offer professional services should consider this coverage. It protects businesses from claims of professional negligence, both actual or alleged, and helps pay for defense costs. It’s also known as errors and omissions insurance (E&O).

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Cyber Insurance

This protects against incidents like data breaches and cyber attacks. It includes first-party and third-party protection for things like investigative services, data recovery and legal costs. Businesses that store or manage customer data, like credit card information, typically need this coverage.

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How much does business insurance cost in Connecticut?

A variety of factors influence the cost of your Connecticut business insurance policy, including your business’s location, size and industry. For example, a plumber who’s a sole proprietor located in Bristol can expect a different rate than a plumbing business in New Haven that has five plumbers on staff.

Additionally, the type of business you specialize in matters when determining your rate, as some professions are exposed to more risk than others. For example, a landscaper that specializes in lawn care and maintenance is exposed to far less risk than a tree trimmer, and can therefore expect to pay less for coverage.

Connecticut business insurance requirements

Connecticut businesses with one or more employees are required to carry workers’ compensation insurance, with a few exceptions. Household workers that work less than 25 hours per week, sole proprietors and members of an LLC are exempt from this requirement.

Learn more about workers’ comp laws and exemptions in Connecticut from the Connecticut Workers’ Compensation Board.

While workers’ compensation is the only type of business insurance mandated by Connecticut law, it’s a good idea to consider additional coverages, like general liability or a BOP. Protecting your livelihood with adequate business insurance can help you better manage the financial setbacks an unexpected accident can have on your business.

Resources for Connecticut small business owners:

Connecticut professions we insure

We help small business owners from a wide variety of industries, including these common professions:

Browse more examples of professions we insure.

Why choose Progressive?

  1. Options

  2. Experts

  3. Convenience

Business insurance for all Connecticut cities

We can customize business insurance in all Connecticut cities, including, but not limited to:

  • Bridgeport
  • New Haven
  • Stamford
  • Hartford
  • Waterbury
  • Norwalk
  • Danbury
  • New Britain
  • Bristol
  • Meriden

More information

Man with Connecticut business insurance works in a commercial van

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