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Businesses in Connecticut must carry workers' compensation insurance if they have one or more employees. The type of employee is irrelevant – all workers are covered, including part-time and contract workers. However, there are a few exceptions that business owners and decision-makers must know.
You can learn more about Connecticut’s workers’ comp rates here.
As a business owner, you want to protect your business and your employees. Workers’ comp insurance allows you to do just that. However, it does come at an additional cost.
Thankfully, there are ways you can limit those costs.
Some of your options include:
While each state handles workers’ comp differently, the overall process is pretty similar.
Workers' comp coverage also protects employers from legal action. This means that if an employee sues your business because of a workplace injury, the insurance will cover the legal costs of the case.
Purchasing workers’ comp insurance in Connecticut is usually an easy process. You can choose from two methods.
Under the law, most business owners are required to carry workers’ compensation insurance in Connecticut. If you fail to do so, you’ll face stiff penalties.
For construction businesses, you may face a stop-work order if the Workers’ Comp Commission finds that you lack coverage. You’ll also face a $300 fine per worker per day until the situation is rectified.
Note that these can add up to immense penalties; you must have the right coverage from the beginning to avoid them.
Workers’ compensation covers a wide range of costs, both in terms of medical care and lost wages. These include:
In Connecticut, workers’ compensation policies must provide specific benefits if an employee is killed on the job, during work-related responsibilities, or from a work-related disease.
Workers’ comp settlements work similarly in all states. In this situation, all three parties (the employee, the employer, and the insurance company) will sit down together to discuss the situation and come to a mutually agreeable solution.
The employee usually accepts a lump sum settlement in exchange for signing that they will not pursue further action regarding the injury or illness.
However, Connecticut also supports what’s called a voluntary agreement. In this situation, the insurance company accepts the claim and agrees that the employee is owed a particular amount in benefits. Those will be paid weekly to the employee and the employee is free to seek further medical treatment if necessary.
Connecticut requires employees to file a workers’ comp claim within one year of the injury. However, if the claim revolves around an occupational disease, the employee has three years from the date when symptoms first appeared.
Start by filling out a short online form about your business. We’ll use that info to get you an estimated quote. Then, one of our experienced agents will contact you to review the quote and make sure you are getting the absolutely lowest rate possible for your business. Once the quote is finalized, you’re ready to buy the policy - often with coverage starting that day!
Unlike other online insta-quote systems,
here your quote is reviewed by experts
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