All Connecticut businesses, including corporations, LLCs, partnerships, firms or any other type of business with one or more employees, are required by state law to have workers’ compensation insurance.
Both part-time and full-time workers must be covered by the policy. Employers must also carry workers’ comp insurance for any contractors or subcontractors they hire.1
These regulations are overseen by the Connecticut Workers’ Compensation Commission, which helps to assure that any employees injured at work receive prompt payment for medical expenses and lost wages.
If you’re an employer in Connecticut, workers’ compensation protects your business financially if one of your employees is hurt on the job. It’s also beneficial when working with clients since some may require proof of coverage before signing a contract to work with you.
Workers’ comp can save a business from potentially large financial losses after an employee injury or illness. After a work-related injury, Connecticut small business owners can generally expect for their employees to be covered for:
Employers who are required to have workers’ comp insurance must post a notice in the workplace that informs employees of the availability of compensation.5 The notice must be posted in a conspicuous location and feature the following information:
Additionally, let your employees know that they must report any work-related injury or illness to the Connecticut Workers’ Compensation Commission office in a timely manner immediately. If they suffer a medical emergency that prohibits them from making an immediate report, you or their supervisor can make a report directly.3
In addition to medical treatment coverage, workers’ compensation insurance can provide workers with coverage for lost earnings and temporary or permanent disability, also called wage-loss and indemnity benefits. These benefits are categorized as follows:
If an employee dies due to work-related injury or illness, the surviving spouse or eligible dependent may receive death benefits based on the employee’s average weekly wage. In some cases, burial benefits may also be included.4
Any Connecticut business that fails to obtain the required workers’ compensation insurance is subject to penalty fees of $100 per day.
Failure to comply in extreme cases could lead to class D felony charges. Additional penalties may be imposed for delay in compensation.1
Workers’ compensation costs vary across industries. Factors that influence price include:
Get a free instant quote in about 10 minutes from NEXT to see your workers’ comp insurance costs.
Some groups are excluded from the mandate to carry CT workers’ compensation insurance.
One key exception in CT workers’ compensation law applies to household employees. Employers are only required to have workers’ comp coverage for a household or live-in employee if they work 26 or more hours a week.2
Partnerships with one or more employees must comply with the law to cover their workers. However, the partners themselves may choose to be excluded from coverage as long as they notify the Connecticut Workers’ Compensation Commission in writing.
Sole proprietors are exempt from the requirements for workman’s comp in CT. Any workers they employ must be covered, but coverage for themselves is optional.
While workers’ comp might not be required for your small business, it’s important to consider the financial risks.
Let’s say you own a cleaning business and you get injured on the job. If a back injury keeps you out of work for several weeks, workers’ compensation insurance could help cover your loss of income as well as the medical expenses.
Some employers prefer to self-insure their workers’ compensation liabilities instead of purchasing a workers’ compensation insurance policy.
These employers may apply to the Connecticut Workers’ Compensation Commission for permission to self-insure. If their application is approved, the business will receive a certificate of self-insurance from the commission.
NEXT strives to resolve every claim quickly. Learn more about our claims process and how our claims advocates will work with you after an employee injury.
General liability insurance protects your business from common mistakes or accidents, such as customer injury or damages to someone’s property.
If you or your employees drive vehicles for work, you probably need commercial auto insurance. This provides coverage for accident-related expenses in a business-owned vehicle or a personal vehicle being used for work purposes.
Commercial property insurance can provide financial help if your business structures, goods, gear or inventory are damaged or destroyed by a covered event.
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