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Purchasing Workers Comp Insurance in Connecticut

Connecticut Coverage Requirements

    In the state of Connecticut it is a requirement for every business who employs workers to carry Workers Comp Coverage.

    Sole Proprietors are excluded from coverage, but they may elect to be included.

    Partners and Corporate Officers are included in coverage, but they may elect to be excluded.

    LLC members who contain only one member are considered excluded but they may elect to be included. Members of a multi-member LLC are included unless they elect to be excluded.

2020 Payroll Limits & Owner Exclusion Requirments

    Sole Proprietors and Partners who include themselves for workers compensation coverage must use a salary $67,500 for Workers Comp reporting purposes.

    LLC Members and Corporate Officers who include themselves under coverage for workers compensation coverage must use a minimum of $1,300 per week ($67,600) or a maximum of $2,600 per week ($135,200).

Workers' Comp Insurance Varies by State- Know the Law

Every state has their own rules for how employees must be covered and how they must be classified for rating purposes. A lot of states use state specific class codes and have different requirements for who is obligated to carry workers' compensation insurance coverage.

If you have employees that travel out of state for work, or they work in multiple states throughout the year, you may need to purchase insurance for all the states where your workers are located and working. In most cases, you can add multiple states to one policy.

Workers' Compensation Insurance in Connecticut can be purchased from private insurance companies authorized by the state to provide coverage. The Assigned Risk Pool, or State fund coverage, is available for employers who are unable to find coverage from a private company. can help you navigate your best options.

Policy premium is based on numerous factors including: class codes assigned to your business and employees, estimated payroll, covered states, prior policies, owner experience and claims.

Enjoy the benefits of our Pay As You Go Workers' Comp Options in Connecticut.

$O Deposit or Minimum Down

We've developed Pay As You Go worker compensation programs that reduce or eliminate premium deposits and allow Connecticut employers to report and pay premium based on actual payroll wages. Reduce your audit risk.

Lower Monthly Payments

We've negotiated special terms with many of our insurance partners to offer more flexible payment options like 12 equal installments plans and monthly reporting programs to help improve cash flow for our business owners.

Connecticut Comp Specialists

We're a national agency who offer dozens of insurance companies that specialize in workers compensation. These companies want your business and we have the knowledge to get you the best rates on your coverage. Start a quote today.

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Connecticut Rates

Connecticut has the second most expensive rates in the country for Workers' Compensation Insurance. The rates are 55% higher than the national average. We work with more than 30 insurance providers who help us find you the most complete coverage at the best rates in the industry. We also offer flexible payment options that help Connecticut business owners get workers comp coverage on their terms.

Need Help With Connecticut Class Codes?

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Faster Workers Comp Quotes

Insurance rates vary significantly between NCCI classification codes. Let our CT Workers Compensation Specialists help you determine your correct workers compensation class codes before you buy a policy. We'll help make sure your business is properly covered.

Shop Over 35 Insurance Carriers

Don't pay too much for your workers compensation coverage. Call one of our Workers' Compensation Specialist at 888-611-7467.


Did you know that the cost of a workers comp policy in Connecticut can vary significantly between insurance company, underwriter, and insurance agency?
Find the best deal on workers compensation insurance.
Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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