National Average Cost of Workers' Compensation Insurance

Healthcare $1,825 Per $100,000 payroll

Retail Trade $2,850 Per $100,000 payroll

Construction $7,430 Per $100,000 payroll

Workers' Compensation Insurance Laws in Connecticut

In Connecticut, you must carry workers' compensation insurance with just one employee or more. Coverage limits need to be at least at the state minimum or higher. 

Common Workers' Compensation Claims in Connecticut

The Top 5 industries with the most fatalities, in order:

  1. Construction
  2. Transportation and warehousing
  3. Manufacturing
  4. Crop farming
  5. Landscaping

The Top 7 most reported fatal injuries, in order:

  1. Violence and other injuries by persons or animals
  2. Transportation incidents
  3. Fires
  4. Falls, slips, trips
  5. Exposure to harmful substances or environments
  6. Contact with objects and equipment
  7. Overexertion and bodily reaction

According to statistical data, out of these claims reported in Connecticut, 29 workers' compensation claims turned fatal in one recent year.

FAQ: Workers' Compensation Insurance in Connecticut

Your Connecticut workers' compensation insurance protects your business and your employees. This policy will help pay for any injuries or illnesses your staff may sustain due to their job duties. 

The cost of your Connecticut workers' compensation insurance will vary depending on your industry. Coverage rates range from low to high and depend on your risk exposure, experience level, and prior claims history. Some examples of Connecticut workers' compensation rates, per $100 of employer payroll, are as follows:

IndustryLow CostHigh Cost
Floor Installers-Wood-Carpet-Laminate$3.78$6.18
Metal Building Construction$6.30$10.27
HVAC-Heating & Cooling Service/Repair$3.89$6.35
Solar Energy Contractors-Installation$3.89$6.35
Roofing Contractors$16.69$27.71

Yes. In Connecticut, workers' compensation is required when your business employs just one person. To meet guidelines, coverage needs to be at least the state minimum mandated liability limits.

In short, your Connecticut workers' compensation pays for the medical expenses of an employee who is injured or becomes ill as a result of their duties. Some of these include the following: 

  • Traumatic injuries
  • Repetitive injuries
  • Some mental or cognitive injuries
  • Occupational illnesses/diseases

Exclusions will apply to any policy. In Connecticut, your workers' compensation will come with these exclusions pertaining to the following incidents: 

  • Intentional injuries or illnesses.
  • Injuries or illnesses sustained outside of work.
  • Injuries or illnesses sustained while committing a crime.
  • Injuries or illnesses sustained under the influence of drugs or alcohol.

Some contracts or individuals you may do business with will require proof of insurance. This is known as a certificate of insurance and will show your current limits of protection and expiration dates. One can be obtained from your local independent insurance agent. 

In Connecticut, you'll have several options for obtaining workers' compensation insurance. To find the best policy for an affordable price, shop with an independent insurance agent. They work with dozens of local carriers and can get you suitable coverage. 

Workers' compensation benefits are not taxable in Connecticut. Most states don't consider workers' compensation benefits as taxable income. Consult with a trained professional for your specifics.

What Are the Best Workers' Compensation Insurance Companies in Connecticut?