Is workers comp required in Connecticut?
Connecticut generally requires employers with one or more employees to provide coverage. Owners, partners and corporate officers are treated under their own rules, and some workers such as certain agricultural or domestic employees may be handled differently.
Buying coverage in Connecticut
Connecticut employers buy workers comp from private insurance companies, and businesses that are hard to place can obtain coverage through the state's residual market or a state-chartered carrier where one exists.
Who sets the rules
The Connecticut Workers' Compensation Commission oversees workers comp in Connecticut. In Connecticut, the National Council on Compensation Insurance (NCCI) provides the classification system and loss costs that insurers use to file rates.
What Connecticut employers should know
- Connecticut contractors are frequently asked for a certificate of insurance before starting work for property managers and municipalities.
- Businesses near the New York and Massachusetts lines should tell their agent about any work performed across state borders.
How premiums are calculated
As in most states, CT premium is generally the class code rate per $100 of payroll, adjusted by any experience modification, credits and state charges. The final amount is confirmed by a payroll audit after the policy period. Learn more about how workers comp rates work and preparing for an audit.
Industry guides for Connecticut employers
Contractor workers comp
Workers comp for general contractors and trades like roofing, electrical, plumbing and painting.…
Restaurant workers comp
Workers comp for restaurants, cafes, bars and caterers. Burns, cuts and slips, tipped payroll,…
Retail workers comp
Workers comp for retail shops, boutiques, convenience stores and specialty retailers. What it…
Small business workers comp
Workers comp for small businesses: when it is required, how premium works, pay-as-you-go billing…
Connecticut workers comp FAQ
Is workers comp required in Connecticut?
Connecticut generally requires employers with one or more employees to provide coverage. Rules and exceptions change, so confirm your situation with the state agency or an agent.
Who oversees workers comp in Connecticut?
The Connecticut Workers' Compensation Commission administers the workers compensation system in Connecticut.
Can I buy Connecticut workers comp from a private insurer?
Yes. Private insurers write workers comp in Connecticut, and a market of last resort is available for businesses that are hard to place.
How is workers comp priced in Connecticut?
In Connecticut, the National Council on Compensation Insurance (NCCI) provides the classification system and loss costs that insurers use to file rates. As in most states, CT premium is generally the class code rate per $100 of payroll, adjusted by any experience modification, credits and state charges. The final amount is confirmed by a payroll audit after the policy period.