(Rocky Hill, CT) – The owner of Lou Milardo Builders, LLC and J&L Milardo, LLC, located in Haddam, has been arrested and charged with failing to provide the required workers’ compensation insurance coverage for employees.
Lou Milardo, age 58, of Haddam, was arrested on December 3, 2025, by Inspectors from the Workers’ Compensation Fraud Control Unit in the Office of the Chief State’s Attorney and was charged with two counts of Noncompliance with Insurance Requirements, in violation of Connecticut General Statutes § 31-288(f).
According to the arrest warrant affidavit, Milardo, the principal owner of Lou Milardo Builders, LLC and J&L Milardo, LLC, failed to carry workers’ compensation insurance coverage for his workers. Information acquired through the database of the National Council on Compensation Insurance revealed that Lou Milardo Builders, LLC, never carried a workers’ compensation insurance policy. J&L Milardo, LLC previously maintained a workers’ compensation insurance policy. Additionally, J&L Milardo was doing business as Rivers Edge Tile & Carpet and previously carried a policy, demonstrating knowledge of the requirement, until it was canceled by the insurer for non-payment of the premium.
In August of 2021, an employee of Lou Milardo Builders was involved in a serious work-related accident while operating heavy machinery on a worksite. At the time, there was no workers’ compensation insurance policy in effect to cover the employee. As a result, the total amount of medical and indemnity payments for the injured employee that was paid by the state through the Second Injury Fund is $85,489.22.
Connecticut state law requires businesses to demonstrate to the Workers’ Compensation Commission their solvency and financial ability to compensate injured employees or beneficiaries. Otherwise, the business must carry Workers’ Compensation insurance to cover the full liability. The Second Injury Fund provides benefits to employees who were injured during the course of their employment where the employer failed to cover the wage replacement and medical expenses. It is funded through assessments in the workers’ compensation policy.
Milardo was released on $10,000.00 non-surety bond and is scheduled to appear in Middletown Superior Court, G.A. No. 9, on January 20, 2026.
The case will be prosecuted by the Workers’ Compensation Fraud Control Unit in the Office of the Chief State’s Attorney. The Unit is grateful for the assistance it received from the Rocky Hill Police Department.