Connecticut Workers Compensation Insurance: Costs & Quotes from $44/mo

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Connecticut Workers Compensation Insurance is a crucial safeguard for businesses and employees alike. Workmans comp in CT ensures that workers receive necessary compensation in case of injuries or illnesses sustained on the job. Understanding the intricacies of workers compensation insurance is essential for employers and employees, as it provides financial security and legal compliance.

What is Connecticut Workers Compensation Insurance

Connecticut workers compensation insurance is a critical safety net for employees and employers in the state. It is a legally mandated insurance program designed to provide financial protection to workers who suffer injuries or illnesses while on the job. This coverage ensures that employees receive necessary medical care and compensation for lost wages, helping them recover and maintain their livelihoods.

Under workers compensation CT, employees are entitled to compensation for medical expenses, rehabilitation, and a portion of their lost wages if they cannot work due to a job-related injury or illness. State of CT workers compensation system not only safeguards the well-being of employees but also shields employers from potential lawsuits related to workplace injuries. It is an essential component of the state's labor laws, providing security and support to workers while promoting a safe work environment.

What is CT Workers Compensation Trust?

Connecticut recognizes that workforce in the healthcare industry have specialized needs. This is why the CT workers compensation trust exists. This is a program designed so that doctors, nurses, caregivers, and allied health professionals working in Connecticut enjoy comprehensive workers compensation insurance without approaching private insurers.

When Do You Need to Get Connecticut Workers Compensation Insurance

Businesses in Connecticut are mandated to obtain workers compensation coverage under state labor laws. This is required to safeguard the well-being of employees and protect employers from potential legal liabilities. The need for Connecticut workers compensation insurance arises under several circumstances, as outlined in the state's workers' comp law provisions:

  • Employing workers: If your business has one or more employees, including part-time and full-time workers, you are generally obligated to provide workers compensation coverage. Even businesses with a single employee fall under this requirement, emphasizing the importance of coverage, regardless of the workforce's size.

  • Nature of work: The nature of your business and the type of work performed are pivotal factors. Connecticut workers compensation insurance is necessary for employees engaged in any occupation or industry.

  • Construction industry: The construction sector holds specific requirements. If your business operates in construction, workers compensation CT is compulsory for all employees, irrespective of the number of workers. This sector's inherent risks necessitate comprehensive coverage to address potential workplace injuries effectively.

  • Corporate officers and LLC members: Even corporate officers and limited liability company (LLC) members may need workers compensation coverage if they actively participate in the business's day-to-day operations. Exemptions may apply for specific executive roles, but it's crucial to consult state laws to ensure compliance.

  • Out-of-state workers: If your business operates in Connecticut but hires employees from out of state, they are generally subject to Connecticut workers compensation insurance requirements. Compliance with interstate employment regulations is crucial in such cases.

  • Exceptions: Some limited exemptions may exist for specific categories of workers, such as casual employees, certain agricultural workers, and domestic employees. However, these exemptions are subject to specific conditions and criteria defined by state law.

What Government Agency Oversees Connecticut Workers Compensation Insurance

The oversight and regulation of Connecticut workers compensation insurance are entrusted to the State of Connecticut Workers Compensation Commission. This state agency is crucial in administering and ensuring the effective implementation of workers compensation laws in Connecticut. The Commission's multi-faceted functions are dedicated to maintaining a fair and balanced workers compensation system. Functions of the state of Connecticut Workers compensation are as follows:

  • Claims adjudication: One of the primary functions of the Connecticut Workers Compensation Commission is to adjudicate workers compensation claims. When an employee files a claim due to a work-related injury or illness, the Commission assesses the claim's validity, ensuring that employees receive the compensation they are entitled to under the law.

  • Dispute resolution: In cases where disputes arise between employees and employers regarding workers compensation benefits, the State of CT Workers Compensation Commission serves as a mediator and dispute resolution entity. It aims to resolve disputes amicably, reducing the need for costly legal proceedings.

  • Regulatory oversight: The Commission oversees the workers compensation insurance system in Connecticut. It monitors insurance carriers, self-insured employers, and third-party administrators to ensure compliance with state laws and regulations. This oversight helps maintain the integrity of the workers compensation system.

  • Educational outreach: The Commission also educates employers and employees about their rights and responsibilities under the workers compensation system. This includes providing information on how to report workplace injuries, the claims process, and the benefits employees are entitled to receive.

  • Rulemaking and legislation: CT workers comp commission is involved in developing workers compensation rules and regulations, making recommendations for changes or updates to existing laws. This ensures that the workers compensation system remains relevant and effective in addressing the evolving needs of Connecticut's workforce.

  • Data collection and reporting: To support informed decision-making, the Commission collects and analyzes data related to workers compensation claims, costs, and outcomes. This information is used to identify trends and areas where improvements may be needed in the system.

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Which Businesses Are Exempt from Getting Connecticut Workers Compensation Insurance

Connecticut workers compensation commission requirements mandate most businesses to provide workers compensation coverage to their employees. However, state labor laws and regulations outline specific exceptions and exemptions. Below, we explore the types of businesses that may be exempt from obtaining workers compensation coverage:

Sole Proprietorships and Partnerships (With Limited Exceptions)

While sole proprietors and partners are generally not required to have workers compensation insurance for themselves, some exceptions apply. For example, if a construction contractor partners with an entity that employs workers, the partnership may need to provide coverage for those workers.

Limited Liability Companies (LLCs) with Excluded Members

In an LLC, members may be exempt from workers compensation CT if they are considered "excluded members." Excluded members typically do not participate in the day-to-day operations of the business. However, if an excluded member becomes involved in the business's operations, they may no longer qualify for this exemption.

Certain Corporate Officers

Corporate officers, such as presidents, vice presidents, and directors, may be exempt from workers compensation CT if they meet specific criteria. These criteria typically include ownership stakes in the company and the nature of their roles. However, officers who do not meet these criteria may need to be covered.

Non-Profit Organizations with Limited Payroll

Some non-profit organizations with low annual payroll expenses may qualify for exemptions from workers compensation CT. Eligibility criteria are determined based on the organization's size and the nature of its activities.

Domestic Workers and Casual Employees

Domestic workers, including housekeepers, nannies, and caregivers, are often exempt from workers compensation CT requirements. Similarly, casual employees hired for sporadic or occasional tasks may not require coverage.

Agricultural Laborers (Under Specific Circumstances)

While many agricultural laborers are exempt, there are certain conditions under which they may need workers compensation coverage. For instance, agricultural employers with five or more full-time employees or 12 or more part-time employees must provide coverage.

How Much Money Does Workers Compensation Insurance Give in Connecticut?

Connecticut workers compensation insurance provides essential financial support to employees who suffer work-related injuries or illnesses. The benefits employees receive are determined by various factors, including the nature of their injuries, their ability to work, and the extent of their disabilities. Here are the specific amounts:

Temporary Partial Disability Benefits (TPD)

Temporary Partial Disability Benefits are designed to compensate employees who can work in a limited capacity while recovering from a work-related injury. In Connecticut, TPD benefits are 75% of the difference between the injured employee's average weekly wage before the injury and their current earnings while on limited duty. The Connecticut Workers Compensation Commission sets the maximum TPD rate annually, ensuring injured workers receive fair compensation during recovery.

Temporary Total Disability Benefits (TTD)

Temporary Total Disability Benefits are provided to employees who cannot work due to work-related injuries. In Connecticut, TTD benefits are 75% of the injured employee's average weekly wage before the injury. The maximum TTD rate is also determined annually by the Workers Compensation Commission to ensure that injured employees receive appropriate financial support during their recovery.

Permanent Partial Disability Benefits (PPD)

Permanent Partial Disability Benefits are awarded to employees who suffer permanent impairments due to work-related injuries or illnesses. The specific amount of PPD benefits depends on the nature and extent of the disability, as determined by a medical evaluation. These benefits are calculated based on a statutory schedule that assigns a specific number of weeks of compensation for each type of disability.

Permanent Total Disability Benefits (PTD)

Permanent Total Disability Benefits are provided to employees who cannot work due to work-related injuries or illnesses. In Connecticut, PTD benefits are 75% of the injured employee's average weekly wage before the injury, subject to statutory maximums. These benefits are essential to support individuals whose injuries have left them permanently disabled and unable to earn a living.

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How Long Will an Employee Wait Before Receiving Benefits

Connecticut workers compensation insurance provides crucial financial assistance to employees who suffer job-related injuries or illnesses. However, employees may wonder how long it takes to receive these essential benefits. Let's explore the waiting periods and the timeline employees can expect before they receive workers compensation benefits:

Reporting the Injury

The first step in the workers compensation process is reporting the injury promptly to the employer. Connecticut workers compensation laws require employees to report work-related injuries or illnesses to their employers within a specific timeframe, typically within five days of the incident or as soon as reasonably possible. Failure to report the injury promptly can impact the eligibility for benefits.

Employer's Responsibility

After receiving notice of the injury, the employer is responsible for promptly notifying their workers compensation insurance carrier. This action initiates the claims process. Employers must also provide injured employees with the necessary forms to document the injury and medical treatment.

Medical Evaluation

Injured employees must seek immediate medical attention for their injuries. Connecticut workers compensation insurance generally covers medical expenses related to the injury. The timeline for this step largely depends on the availability of medical care and appointments.

Waiting Period

Connecticut workers compensation insurance typically has a waiting period before wage replacement benefits, such as Temporary Total Disability Benefits (TTD), become payable. Under state law, this waiting period is seven calendar days from the date of disability. The injured employee may use sick leave, vacation time, or any other paid time off to cover their lost wages.

Retroactive Payment

If the employee's disability lasts longer than the initial seven-day waiting period, workers compensation CT laws allow for retroactive payment of TTD benefits. This means that once the waiting period is over, the injured employee should receive compensation for the initial seven days of disability.

Timely Processing

The speed at which employees receive benefits also depends on the timely processing of their workers compensation claims. Employers and insurance carriers are responsible for handling and processing claims promptly to ensure employees receive benefits.

Penalties for Not Getting Connecticut Workers Compensation Insurance

Failure to purchase workers compensation insurance in Connecticut can result in significant penalties for both businesses and employees. It is essential to understand the specific consequences outlined in Connecticut workers compensation CT laws:

  • Fines and civil penalties: Employers who do not provide workers compensation insurance as required by Connecticut workers compensation requirements may be subject to substantial fines and civil penalties. These fines can vary depending on the nature and duration of non-compliance.

  • Criminal penalties: In cases of willful non-compliance or fraud related to workers compensation coverage, employers may face criminal charges. These charges can lead to imprisonment and additional fines. Employers should be aware that Connecticut workers compensation laws are strictly enforced to deter fraudulent activities.

  • Liability for employee claims: Employers who fail to provide workers compensation insurance are also at risk of being held personally liable for any claims filed by injured employees. This means the employer may be responsible for covering the injured employee's medical expenses and lost wages out of pocket.

  • Loss of defenses: Non-compliant employers may lose certain legal defenses in the event of a workplace injury lawsuit. This can leave employers vulnerable to significant financial liabilities and legal challenges.

  • Loss of benefits: Injured employees who knowingly misrepresent or provide false information regarding their injuries or the circumstances of their injuries may face penalties. This can result in the loss of workers compensation benefits to which they would otherwise be entitled.

  • Legal consequences: Employees who engage in fraudulent activities related to workers compensation claims may also face legal consequences, including fines and potential criminal charges.

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Connecticut Workers Compensation Insurance Cost

Connecticut workers compensation insurance is $32 per month or $384 per year. Factors that affect workers compensation CT rates are claims history, number of employees, the type of business, location, and payroll. Here’s a table showing the rates of companies we recommend for the best workers compensation insurance:

CompanyCost per MonthCost per YearBest for
NEXT$26$312Best overall; Fastest workers compensation insurance
The Hartford$28$336Established businesses looking for stable and comprehensive workers compensation insurance coverage.
Thimble$30$360Businesses with variable staffing needs that require adaptable workers compensation coverage.
Tivly$35$420Comparing workers compensation insurance quotes over the phone.
Hiscox$40$480Small and medium-sized businesses looking for specialized workers compensation insurance solutions and expert guidance.

Best Connecticut Workers Compensation Insurance Companies

Here, we review some of the top providers. Read some of the reviews below to know their pros, cons, and average rate for workers compensation insurance:



  • NEXT is known for its user-friendly online platform, making it easy for businesses to get a quote and purchase workers compensation insurance quickly.

  • They offer customizable policies that can be tailored to the specific needs of various industries, providing comprehensive coverage.

  • NEXT has a reputation for responsive customer service, offering support to clients when they need it most.

  • NEXT offers a premium discount if you decide to bundle workers comp insurance with other business insurance solutions.


  • Coudlnt’t find any.

NEXT is a digital provider known for its efficiency and customer-centric approach. They offer workers compensation insurance solutions designed to meet the unique needs of different industries, including construction, healthcare, and retail. With an easy-to-use online platform, businesses can quickly obtain quotes and purchase coverage that suits their requirements. NEXT aims to simplify the insurance process for businesses of all sizes, making it an excellent choice for those seeking convenience and flexibility.

Best for: Best overall; Fastest workers compensation insurance

Average cost: $26 per month

Our rating: 10/10

The Hartford


  • The Hartford is a well-established insurance company with a long history of providing reliable coverage to businesses of all sizes.

  • The Hartford’s workers compensation insurance offers numerous specialized perks.

  • The Hartford has a strong financial rating, instilling confidence in its ability to meet its financial obligations.


  • While The Hartford's coverage is comprehensive, it may have slightly higher premiums compared to some other providers, making it less budget-friendly for small businesses.

The Hartford is a trusted name in the insurance industry, known for its stability and comprehensive insurance solutions. Their workers compensation insurance offerings cater to a wide range of industries, including healthcare, manufacturing, and technology. The Hartford emphasizes the importance of risk management and provides resources to help businesses create safe work environments. With a solid track record and a commitment to customer service, The Hartford is an excellent choice for businesses seeking reliable and comprehensive workers compensation coverage.

Best for: Established businesses looking for stable and comprehensive workers compensation insurance coverage.

Average cost: $28 per month

Our rating: 10/10



  • Tivly stands out for its flexibility, offering on-demand workers compensation coverage tailored to a business's needs.

  • They provide straightforward pricing and user-friendly policies, making it easy for businesses to understand their coverage.

  • Tivly's focus on small and medium-sized businesses ensures that their offerings cater to the unique requirements of this market segment.


  • You need to talk with a representative to compare quotes over the phone.

Tivly is an innovative insurance provider that prioritizes simplicity and flexibility in its workers compensation insurance offerings. They revolutionize the insurance industry by offering coverage by the hour, day, or month, making it ideal for businesses with variable staffing needs or project-based work.

Tivly's user-friendly platform and transparent policies provide small and medium-sized businesses with an accessible and customizable insurance solution. Call now and talk with a representative to compare workers compensation insurance quotes over the phone.

Best for: Comparing workers compensation insurance quotes over the phone.

Average cost: $35 per month

Our rating: 9/10



  • Thimble is known for its unique on-demand coverage, allowing businesses to obtain workers compensation insurance only when they need it.

  • Their straightforward pricing and quick application process make it easy for businesses to access coverage promptly.

  • Thimble's flexibility and adaptability are particularly appealing to businesses with fluctuating workforce demands.


  • Thimble's on-demand pricing may not be the most cost-effective option for businesses with consistent, long-term coverage needs.

Thimble disrupts the traditional workers compensation insurance model by offering on-demand coverage tailored to the specific needs of businesses. With Thimble, businesses can obtain coverage by the hour, day, or month, allowing them to adapt to changing workforce requirements. This innovative approach to insurance provides businesses with greater control over their coverage and costs, making it a valuable choice for those seeking flexibility and convenience.

Best for: Businesses with variable staffing needs that require adaptable workers compensation coverage.

Average cost: $30 per month

Our rating: 9/10



  • Hiscox is a reputable insurance provider known for its specialization in serving small and medium-sized businesses.

  • They offer tailored workers compensation insurance solutions that cater to the unique needs of various industries.

  • Hiscox emphasizes flexibility, allowing businesses to customize their coverage to align with their specific requirements.


  • While Hiscox's coverage is comprehensive, pricing may be slightly higher compared to some other providers, particularly for small businesses.

Hiscox is a well-established insurance company recognized for its specialization in providing insurance solutions to small and medium-sized businesses. Their workers compensation insurance offerings are designed to offer protection to businesses across various industries, including professional services, technology, and healthcare. Hiscox's commitment to personalized service and industry-specific expertise makes it an appealing choice for businesses seeking tailored workers compensation coverage.

Best for: Small and medium-sized businesses looking for specialized workers compensation insurance solutions and expert guidance.

Average cost: $40 per month

Our rating: 9/10

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