How does workers' comp work in Connecticut?

Many employers and small business owners are misinformed about Workers' Compensation Insurance. In all 50 states it is required by law, but most employers don't know exactly what Workers Comp covers. We have broken down this process in to easy to understand informational topics and topics specific to the state of Connecticut. These topics cover what workers comp is, how it works and how it protects your business. These topics help employers know what they are buying and how to get it at the best rates in the industry. For even faster service you can start a quote online. It only takes a few minutes.

These topics cover what workers comp is, how it works and how it protects your business. These topics help employers know what they are buying and how to get it at the best rates in the industry. We have streamlined the process of buying insurance by matching the carriers who have the best rates in each industry with those who also have the best customer service ratings over the past decade. This will help you make the most informed decision possible and ensure you get the best value on your workers comp policy.

For the fastest service you can start a quote online. It only takes a few minutes. You can also call one of our friendly agents at 888-611-7467.

Workers' Comp Rules & Information for Connecticut

State Insurance Directives Regarding Covid-19

The CT DOI is “requesting” insurers to provide insureds with at least a 60 day grace period, without interest or penalty, to pay premium to avoid cancellation/nonrenewal for nonpayment.  This grace period would be for premium due after the initial premium has been paid to secure coverage.

Discretionary order in effect from 03/24/2020 - further notice.

State Orders Regarding Insurance Claims Related to Coronavirus

No current state orders.

CT Workers' Compensation Commission

Capitol Place
21 Oak Street, Fourth Floor
Hartford, Connecticut 06106
860-493-1500

What is Workers' Compensation?

The basic purpose of the Workers’ Compensation is to provide wage replacement benefits and medical treatment for employees who have been injured or become ill due to a work-related injury or illness. It prevents the employer from bearing the costs of injuries that occur during normal business operations.

Connecticut is an NCCI state.

NCCI stands for the National Council on Compensation Insurance. Connecticut uses NCCI for the determination of rates on Workers' Compensation Insurance. It is also used to administer the assigned risk plans as well as the reinsurance pools.

How does workers comp help my employee?

Employees benefit from workers comp coverage by having lost wages covered while they are hurt or sick and not able to work. It also pays for medical costs they might incur as a result of the sickness or injury.

How are rates on workers comp coverage in Connecticut?

Connecticut has the second most expensive rates in the country for Workers' Compensation Insurance. The rates are 55% higher than the national average. The system in connecticut is set up to benefit the employee much more than in other states. This causes less carriers to compete for coverage in Connecticut and rates rise as a result. Also, Connecticut does not have a state fund that competes with private insurers. States that have a strong state fund competing with private insurance companies typically enjoy lower rates.

How does workers comp help my business?

Your business benefits by not being liable for injuries that occur as a part of normal business operations. This applies whether the injury was the fault of the business or was caused by negligent actions of the employee.

More Programs and Options

We're always working with our insurance carriers to develop specialized programs for a broad range of industry class codes. Our Target Programs are designed to streamline the underwriting process and help ensure we offer the lowest rates available anywhere.

  • Contractors
  • Home Health Care
  • Janitorial Services
  • Transportation
  • Hospitality
  • And More
Connecticut Work Comp Information

NCCI Class Codes

Connecticut uses the National Council on Compensation and Insurance (NCCI) for pricing workers' compensation rates. NCCI classifies a risk or workplace exposure within the proper NCCI class code.

Incorrect risk classifications by insurance agents and underwriters often results in a premium that is higher or lower than it should be. As an employer, you have the right to appeal to NCCI for proper classification assignment.

https://www.ncci.com/nccimain/pages/default.aspx

Let Workers Compensation Shop.com help your business navigate workers comp insurance in Connecticut.

What Does Workers' Compensation Insurance Cover?

...
Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.
Injuries and accidents happen. A workers' comp policy is a no-fault system that pays for these accidents and claims. It's required by law in most states.
  • Loss of income for employees unable to perform job duties
  • Medical expenses for employees injured on the job
  • Retraining expenses for employees unable to return
  • Permanent injury or disability for lasting injuries
  • Survivor benefits if employees are killed on the job
Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.
...
In some instances, workers' compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.
  • Injuries resulting from a violation of the law
  • Incidents resulting from employees' use fo drugs or alcohol
  • Injuries that did not occur in connection with the job
  • Clear company policy violations
  • Injuries that did not occur in connection with the job

Workers' Comp Includes Employers Liability Insurance?

Employers liability insurance is an additional layer of coverage included as part of a workers' compensation insurance policy. Employers Liability is know as Part 2 of the policy. It adds two additional coverages for employers:

Employers Legal Liability and Legal Defense Costs

In todays world, there are a variety of reasons employees and third-parties sue employers for damages. Here a some common types covered by employers liability insurance:

Third Party Lawsuits

Your employee sues another party that may have contributed to the injury, In turn, the third party sues your business.

Consequential Bodily Injury

Another party or individual is injured while providing care for the injured employee.

Dual Capacity Legal Action

An employee files a claim but also attempts to sue the employer for being responsible in other ways outside of the employment relationship.

Loss of Consortium

A spouse sues for damages caused by the loss of companionship or relations.

Employers Liability coverage is not included with coverage in the four monopolistic states. Employers in these states can endorse this coverage onto their General Liability policy. That coverage is commonly know as Stop Gap Coverage.

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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