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Connecticut Workers' Compensation Insurance
Protect your business and employees with Connecticut workers' comp
Connecticut businesses depend on workers' compensation insurance to support employees facing job-related accidents. From New Haven to Stamford, this coverage helps companies across all industries meet legal requirements and protect their teams.
Start an online quote or contact a Progressive Commercial agent to learn more about workers' comp in Connecticut.
Who needs workers' compensation insurance in Connecticut?
Connecticut workers' comp laws require employers with one or more employees to provide coverage. This rule also applies to contractors and part-time workers.
Connecticut workers' compensation insurance exemptions
Connecticut workers' compensation insurance exemptions include:
- Some household employees
- Members of an LLC
- Sole proprietors
- Independent contractors
Verify your exemption status with an expert and review your licenses and contracts to see if you need coverage.
What are the penalties for not having workers' comp in Connecticut?
Businesses that don't follow Connecticut workers' compensation laws could face penalties, like daily fines or stop-work orders.
How much does workers' comp cost in Connecticut?
Connecticut workers' compensation costs depend on these factors:
- Job classification code: Workers' comp class codes rank jobs by risk. Safer industries typically pay less for coverage.
- Payroll: Larger companies usually pay more for insurance since premiums are based on every $100 of payroll.
- Claims history: Frequent claims can raise rates because insurers expect more in the future.
- Insurance carrier: Connecticut workers' compensation insurance rates vary by provider because each calculates costs differently.
How can you get workers' comp in Connecticut?
There are a few ways businesses can get Connecticut workers' compensation insurance:
- Private insurers: Businesses often choose private insurers for personalized policies and potential discounts.
- Self-insurance: Employers may be able to cut costs by choosing to apply for self-insurance, but they'll have to manage all financial risks.
- Assigned risk pool: Companies that can't find coverage elsewhere can get a policy through the National Council on Compensation Insurance.
Learn more about your options. Start a free quote or call an agent to find the right insurance.
How does workers' comp work in Connecticut?
Connecticut workers' compensation supports employees recover from workplace injuries or illnesses. After an incident is reported, a claim can be filed by either the employee or employer. Approval means the employee starts receiving benefits to cover things like:
- Medical expenses
- Disability benefits
- Lost wages
- Rehabilitation costs
This coverage also protects businesses by lowering the risk of lawsuits. Employees who accept a Connecticut workers' compensation settlement usually can't sue. If they do, this insurance can help with costs.
Connecticut workers' compensation death benefits
Families of deceased employees can receive Connecticut workers' comp death benefits, including weekly payments and a one-time payment for funeral expenses.
Connecticut workers' compensation statute of limitations
The Connecticut statute of limitations says that employees must file a workers' comp claim within one year of their injury or three years from the first symptom of an occupational disease. Have your team report incidents quickly to meet these deddlines and get the help they need.
Why choose Progressive Commercial for Connecticut workers' comp
We're here to help you protect your businesses with the right insurance. We offer personalized solutions to support your growth and address your needs.
Call a Progressive Commercial agent or start an online quote to find Connecticut workers' comp insurance today.
