How can I get workers’ compensation insurance?
Please note: The Connecticut Workers’ Compensation Commission (WCC) does not provide workers’ compensation insurance or oversee insurers. For more information, contact the Connecticut Insurance Department (CID) below.
Connecticut Insurance Department
Website: https://portal.ct.gov/cid/
Email: cid.licensing@ct.gov
Telephone: 860-297-3800
Mail:
Connecticut Insurance Department
PO Box 816
Hartford, CT 06142-0816
Insurance requirements
With few exceptions, all employers in the State of Connecticut are required to have workers' compensation insurance for their employees, as defined under the Workers’ Compensation Act. Insurance can be obtained through licensed insurance companies, self-insurance, or mutual insurance organizations (group self-insurance).
Sole proprietors must accept the provisions of the Workers' Compensation Act to be considered an employer for insurance purposes. Officers of a corporation, members of a Limited Liability Company (LLC), or members of a partnership may elect to be excluded from the Act’s provisions.
For more information on coverage election forms, see Form 6B, 6B-1, and 75 Directions (PDF).
There are additional circumstances where individuals or entities may or may not be classified as employers or employees under the Workers' Compensation Act. Refer to C.G.S. Sec. 31-275(9) and 31-275(10) for definitions. Out-of-state employers operating in Connecticut must provide coverage for employees working in the state and comply with all Connecticut laws and regulations.
Where to get workers’ compensation insurance
WCC does not provide insurance.
To obtain a workers' compensation policy, you can consider contacting an insurance agent. An insurance agent can likely help you coordinate workers’ compensation insurance in addition to other insurances you may want or need for your business.
You can also contact an insurance company directly. Many, but not all, Property Casualty Insurance Companies offer workers' compensation policies. The CID provides a list of all insurance companies licensed to do business in the State of Connecticut on its website. You can find insurance coverage information for CT employers with the Coverage Verification Service.
In addition to traditional workers' compensation insurance through licensed insurance companies, Connecticut allows self-insurance for employers who meet certain requirements, as well as group or mutual self-insurance organizations. Group or mutual self-insurance organizations are licensed through CID, while WCC approves self-insurance policies in addition to Managed Care Plans. More information on self-insurance and managed care plans can be found here.
Insurance rates
WCC does not set workers’ compensation rates, which are often referred to as premiums. The CID sets workers’ compensation insurance rates each year in consultation with the National Council on Compensation Insurance (NCCI). These are posted annually as “Commissioner’s Orders,” which can be found on CID’s website at Latest Commissioner’s Orders.
Insurance audits
WCC does not perform or regulate insurance audits. Please contact the CID for questions or complaints about insurance audits. Insurance companies or agents may charge fees for an uninsured contractor under C.G.S. Sec. 31-291 of the Workers’ Compensation Act.