Connecticut workers' compensation insurance: Your ultimate resource
Everything to know about workers’ compensation for
Connecticut
businesses
What does workers’ compensation cover?
A standard workers’ comp policy covers four primary areas: medical expenses, lost wages, employer liability and ongoing rehabilitation. EverPeak policies ensure your crew gets the care they need to return to work safely while protecting your business from the costs of workplace accidents.
Medical care
Coverage for the necessary treatment resulting from a work-related injury or illness.
Lost wages
Partial pay for employees unable to work while recovering from an injury.
Legal protection
Financial support for your business if an employee files a lawsuit related to an accident.
Ongoing care
Rehabilitation and training to support employees re-enter the workforce, and ongoing benefits for permanent injuries.
Death benefits
Financial support for the families.
What are
Connecticut
's workers' comp laws?
Tucked in the northeastern region of the United States, Connecticut boasts a distinctive history of its own. From the vibrant city life of Hartford to the serene coastal landscapes, the Constitution State offers a captivating fusion of culture and natural allure.
With its dynamic and varied economy, Connecticut provides an abundance of prospects for businesses to flourish. Ensuring the well-being of your workforce and safeguarding your business interests hinges on acquiring the appropriate workers' compensation insurance.
What is workers' compensation?
Workers' compensation is a state-mandated insurance program for employers with one or more employees. It’s designed to provide employees who suffer work-related injuries or illnesses with medical treatment and indemnity benefits.
Without workers’ compensation, the cost of a work-related injured or ill employee’s medical treatment could become the responsibility of your business.
Connecticut workers' compensation laws
The Connecticut Workers' Compensation Commission is responsible for administering the workers’ comp law in Connecticut. The law requires employers with one or more employees to be covered by an active workers’ compensation insurance policy.
Full-time, part-time and seasonal workers are covered under Connecticut’s workers’ compensation law.
Workers’ comp coverage can be obtained through a partner like EverPeak Insurance. In Connecticut, business owners can apply to be self-insured if they have satisfactory financial wherewithal. Certificates are renewed annually.
Employees can verify online if their employer has coverage.
Who is covered and exempt from
Connecticut
workers' comp?
Who is covered?
Policies include protection for full-time, part-time and seasonal workers.
Exemptions from workers’ comp in Connecticut may include, for example:
- Casual employees
- Employees working in a private home for less than 26 hours a week
- Corporate officers who choose not to have coverage
Covered injuries and illnesses
Workers' compensation covers a range of work-related injuries and illnesses, including physical injuries resulting from an accident and occupational diseases that may develop over time due to job conditions.
Benefits provided
Connecticut workers’ comp insurance provides three types of benefits for work injuries:
- Medical benefits
- Lost wages
- Death benefits
- Medical treatment for work-related accidents, injuries and/or illnesses
- Temporary disability benefits
- Permanent disability benefits
- Death benefits to dependents
Depending on the situation, employees can get additional benefits in Connecticut, such as:
- 308a benefits, which can provide up to 75% of the employee’s wages before they got hurt or sick from their job.
- Job retraining to help employees return to work in a different role.
- Relapse or recurrence benefits if an employee relapses from their recovery.
Connecticut workers’ compensation rates
The weekly compensation rate in Connecticut is 75% of the employee’s average weekly wage from the year preceding the injury. This average includes wages, bonuses, and overtime pay — not just the employee’s “base” salary.
Find more information on Connecticut workers’ compensation rates.
How much does workers’ comp cost in
Connecticut
?
How do you file a workers’ compensation claim in
Connecticut
?
Filing a workers' compensation claim
In the event of a work-related injury or illness:
Step 1: Employee reports injury to employer
Employees in Connecticut should report their injury to their employer as soon as possible.
Step 2: Seek medical care
The employee should immediately seek medical attention.
Step 3: Employee files workers’ compensation claim
Unlike many other states that put the responsibility of filing a workers’ compensation claim on the employer, in Connecticut filings fall on the shoulders of the injured worker. Employees are required to file Form 30C to give notice to the Connecticut Workers’ Compensation Commission that they are claiming benefits.
Step 4: Receive benefits
If the workers’ compensation claim is accepted, an injured employee may begin to receive workers’ compensation benefits, such as lost wages and medical benefits.
Step 5: Return to work
Following their recovery, a worker is expected to resume work safely. If an employee is unable to return to their previous position or any other type of work due to their work-related injury, they may be entitled to permanent total disability benefits.
Compensation for missed work
If an employee is off work for more than three days their benefits begin. While a claim is open, injured workers can receive wage loss benefits indefinitely depending on the injury and whether they can safely return to work.
How to get workers' compensation
Insurance requirements for employers
Generally, employers in Connecticut with one or more employees must carry workers' compensation insurance or qualify for self-insurance. Compliance with this requirement is essential to protect both the employer and employees.
Choosing the right insurance provider
When selecting a workers' compensation insurance provider, consider factors such as the provider's experience in the industry, financial stability, coverage options, claims process, customer service, and cost.
We recommend requesting multiple quotes and comparing the offerings before making a decision.
Covering your business and employees with a trusted insurance partner — like EverPeak — brings peace of mind so you can focus on your bottom line.
FAQs
Enforcing safety protocols, providing proper employee training, maintaining a clean and hazard-free work environment, and regularly reviewing safety practices can significantly reduce workplace injuries.
Your premium is primarily determined by your industry payroll classifications, geographic location and total annual payroll. Your business’s safety history can also play a major role in determining your final rate. Three key factors influence your base insurance rate:
- Industry classification codes: Higher-hazard trades naturally carry higher baseline rates.
- Geographic location: Rates and statutory benefit structures fluctuate heavily by state lines.
- Historical safety record: Maintaining an accident-free workplace lowers your Experience Modification Rate (E-mod), resulting in built-in premium discounts.
Most states require businesses with employees to carry workers’ compensation insurance to stay compliant. Requirements vary by location, but having coverage ensures your business is protected and your team has access to benefits if an injury occurs.
Employees can verify online if their employer has coverage through the state’s online search tool.
Ideally, the incident should be reported immediately or within a few days of the occurrence. Prompt reporting helps ensures the necessary steps are taken to initiate the workers' compensation claims process.
Whether you need coverage for contractors depends entirely on your state’s specific regulatory definitions and formal worker classification tests. Since misclassification regulations are highly complex and can lead to severe audits or stop-work orders, it’s vital to ensure your entire labor force is properly verified and protected based on the actual day-to-day work they do.
Learn more: Do independent contractors need workers’ compensation?
In most cases, employees in Virginia are barred from suing their employers for work-related injuries or illnesses. The workers' compensation system provides an exclusive remedy, meaning that employees typically cannot file a lawsuit against their employers. Instead, they must pursue a workers' compensation claim to receive benefits for their injuries or illnesses.
In Virginia, employers who fail to procure or sustain the appropriate workers' compensation coverage for their employees may face civil fines of up to $250 per day of non-compliance. Failure to adhere to this requirement can reach a maximum of $50,000 in fines.
Workers’ compensation is a form of insurance that benefits employers and employees in the case of a work-related injury or illness.
Why choose EverPeak for workers’ comp coverage?
EverPeak protects the hardest-working businesses in (state) with simple, reliable workers’ comp starting as low as $18 a month. Backed by over a century of specialized experience, customers get multi-state coverage, fast and easy claims support, and a vast network of brokers.