Workers' Comp Insurance in Connecticut

NEXT leads for workers' comp insurance in Connecticut, having good customer service and comprehensive coverage options. Connecticut's business owners can also count on Simply Business and The Hartford as alternatives, which both have nearly identical ratings.

NEXT and Simply Business are Connecticut's top workers' compensation insurance providers, offering coverage for business owners.

Connecticut businesses can find cheap workers' comp coverage from NEXT for $75 monthly ($895 annually). The Hartford and Thimble offer competitive rates at $76 per month each, with minimal price differences. The table below shows costs from all companies we analyzed:

Workers' compensation insurance in Connecticut costs businesses an average of $80 per month or $958 annually. Connecticut's rates run $6 above the national monthly average of $74. Your business's actual premium will vary based on industry risk level, number of employees, total payroll and previous claims experience.

In Connecticut, workers' comp costs vary by industry risk level. Speech therapists pay the lowest premiums at $6 per month, while roofing businesses pay $899 monthly.

Connecticut requires businesses with one or more employees to carry workers' compensation insurance. This coverage pays medical expenses and lost wages if a worker is injured or becomes ill due to their job.  

Employers who fail to maintain required workers' compensation may be fined up to $50,000 per violation. Connecticut treats willful non-compliance as a Class D felony.

Affordable coverage options can be found while keeping business insurance costs in check. Start by comparing insurance rates from multiple providers, examining their coverage options and understanding their claims handling process.

Our analysis shows NEXT, Simply Business and The Hartford are top-rated workers' comp carriers. Consider getting quotes from these providers.

Find clear answers to the most common questions about coverage and costs below.

• Affordability (50%): Cost drives every small business insurance decision in Connecticut's expensive market. We compared monthly premiums across all companies, since even comprehensive policies won't help if you can't afford them.
• Customer experience (30%): When your employee gets hurt, you'll need an insurer that handles claims quickly and treats injured workers fairly. We used J.D. Power ratings, Connecticut Department of Insurance complaint data and independent reviews.
• Coverage options (15%): We evaluated each company's policy flexibility, add-on options and coverage limitations for specific Connecticut industries and regulatory requirements.
• Financial strength (5%): Premium savings don't matter if your insurer struggles financially. We checked AM Best ratings to ensure recommended carriers can deliver on their promises.