Connecticut workers' compensation insurance: Your guide to requirements and getting a policy
If you’re a Connecticut employer looking to protect both your business and your team, you’re in the right place. At Beyond, we provide the essential information you need to understand how workers’ compensation works and how to stay compliant.
Workers’ compensation insurance protects both Connecticut employers and their employees when a worker is injured or becomes ill due to a job-related incident. It safeguards employees by covering medical treatment and lost wages — and provides peace of mind to employers by minimizing legal exposure related to workplace accidents.
Yes. Under Connecticut law, any business with one or more employees — full-time or part-time — is required to carry workers’ compensation insurance.
However, sole proprietors, partnerships, corporate officers, and members of LLCs may choose not to cover themselves, but they must provide coverage for their employees.
The Connecticut Workers’ Compensation Commission (WCC) oversees the state’s workers’ comp system. Their responsibilities include:
Ensuring injured employees receive timely benefits and appropriate medical care
Approving voluntary agreements between employers and employees
Resolving disputes
Issuing findings, awards, and appeals decisions
Closing cases through final settlement agreements
Most employers in Connecticut obtain coverage through private insurance carriers. You typically have two main types of policies to choose from:
Premiums are based on an estimated annual payroll total. These premiums are paid upfront, and may be billed quarterly or annually.
Premiums are calculated in real time, based on actual payroll. This helps employers avoid overpaying or underpaying — and makes cash flow easier to manage.
Beyond can help simplify pay-as-you-go workers’ comp by syncing your payroll with your insurance provider, so premiums are accurate every time.
If you can’t obtain coverage through the private market, the Connecticut Insurance Department may offer options.
Failing to maintain proper coverage can lead to serious consequences. The Connecticut Workers’ Compensation Commission may:
Issue a stop-work order until your business is properly insured
Impose fines starting at $250 per employee, per day for each uncovered worker (per Section 31-288 of the Workers’ Compensation Act)
All employers must also post the official “Notice to Employees” in a highly visible area at each Connecticut workplace, indicating that workers’ comp coverage is in place.
If a worker is hurt or becomes ill on the job:
The employee should immediately report the incident and seek medical care.
The employee must complete and submit a Form 30C – Notice of Claim for Compensation.
The employer must file an Employer’s First Report of Occupational Injury or Illness (FRI) with both:
The Workers’ Compensation Commission
Your insurance carrier
Here are helpful links if an incident occurs or you need more details:
Keeping a valid workers’ compensation policy is not only required – it’s a smart business decision. It protects your workforce and shields your business from legal risks tied to workplace injuries or illness. With support from Beyond, managing compliance is easier, so you can focus on running your business with confidence.
