NEXT has the best 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.
Workers' Comp Insurance in Connecticut
NEXT tops our analysis as Connecticut's top workers' comp insurance provider, with a 4.61 out of 5 overall score.
Compare top Connecticut workers' comp insurance providers and find your ideal coverage.
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Updated: October 1, 2025
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Key Takeaways
NEXT, Simply Business and The Hartford are Connecticut's top-rated workers' comp insurance providers based on comprehensive scoring.
Your business type, number of employees, past claims and available budget determine which workers' comp provider fits best in Connecticut.
Compare insurance quotes, evaluate industry expertise, review provider track records and assess coverage options to find the right workers' comp insurance in Connecticut.
Find Insurance for Your Business
Select your industry and state to get a customized quote.
Industry
State
Best Workers' Comp Insurance Companies in Connecticut
NEXT4.61 | $75 | |
The Hartford4.53 | $76 | |
Simply Business4.53 | $77 | |
Coverdash4.46 | $79 | |
biBERK4.44 | $81 | |
Nationwide4.44 | $88 | |
| $77 | ||
Hiscox4.38 | $77 | |
Thimble4.35 | $76 | |
Chubb4.28 | $92 | |
How Did We Determine These Rates and Rankings?
These rates are estimates based on MoneyGeek's analysis of small businesses with two employees across 79 major industries. Actual rates vary based on your business location, industry risk factors, claims history, coverage limits and individual insurer underwriting criteria. Contact insurers directly for personalized quotes.
LEARN MORE ABOUT BUSINESS INSURANCE IN CONNECTICUT
Here are resources to help you find out about other types of coverage:
Best Connecticut Workers’ Comp Insurance Reviews
NEXT and Simply Business are Connecticut's top providers for small business owners with workers' comp requirements.
NEXT
Best Overall Provider
MoneyGeek Rating
4.6/ 5
4.4/5Affordability
4.7/5Customer Experience
4.8/5Coverage Options
Average monthly premium
$75Based on average costs for Connecticut businessesOur survey: Claims process
3.9/5Based on customer satisfaction surveysOur survey: Recommend to others
4.8/5Percentage of customers who would recommend NEXT
The Hartford
Runner-Up Best Provider
MoneyGeek Rating
4.5/ 5
4.4/5Affordability
4.6/5Customer Experience
4.7/5Coverage Options
Average monthly premium
$76Based on our analysis of Connecticut workers' compensation insurance ratesOur survey: Claims process
4.5/5Rating based on customer satisfaction with claims handling experienceOur survey: Recommend to others
4.5/5Percentage of current customers who would recommend The Hartford to others
Cheapest Workers' Comp Insurance Companies in Connecticut
Connecticut businesses can find cheap workers' comp 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:
| NEXT | $75 | $895 |
| The Hartford | $76 | $917 |
| Thimble | $76 | $917 |
| Simply Business | $77 | $919 |
| Hiscox | $77 | $926 |
| Progressive Commercial | $77 | $929 |
| Coverdash | $79 | $945 |
| biBERK | $81 | $975 |
| Nationwide | $88 | $1,054 |
| Chubb | $92 | $1,104 |
How Did We Determine These Rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on workers’ comp policies. Your actual premium depends on where your business is located, what industry you're in, how many employees you have, and other factors insurers consider.
Average Cost of Workers’ Comp Insurance in Connecticut
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.
Average Cost of Workers' Comp in Connecticut by Industry
In Connecticut, workers' comp insurance cost varies by industry risk level. Speech therapists pay the lowest premiums at $6 per month, while roofing businesses pay $899 monthly.
| Accountants | $22 | $267 |
| Ad Agency | $17 | $209 |
| Auto Repair | $165 | $1,981 |
| Automotive | $128 | $1,539 |
| Bakery | $59 | $702 |
| Barber | $15 | $184 |
| Beauty Salon | $16 | $188 |
| Bounce House | $44 | $527 |
| Candle | $43 | $521 |
| Cannabis | $91 | $1,092 |
| Catering | $79 | $952 |
| Cleaning | $53 | $638 |
| Coffee Shop | $51 | $611 |
| Computer Programming | $31 | $367 |
| Computer Repair | $26 | $313 |
| Construction | $195 | $2,342 |
| Consulting | $33 | $392 |
| Contractor | $179 | $2,148 |
| Courier | $245 | $2,940 |
| DJ | $15 | $183 |
| Daycare | $15 | $176 |
| Dental | $12 | $146 |
| Dog Grooming | $71 | $848 |
| Drone | $29 | $350 |
| Ecommerce | $23 | $282 |
| Electrical | $62 | $748 |
| Engineering | $41 | $498 |
| Excavation | $116 | $1,392 |
| Florist | $67 | $800 |
| Food | $46 | $551 |
| Food Truck | $49 | $594 |
| Funeral Home | $29 | $352 |
| Gardening | $52 | $619 |
| HVAC | $68 | $810 |
| Handyman | $101 | $1,215 |
| Home-based | $11 | $131 |
| Hospitality | $76 | $907 |
| Janitorial | $53 | $634 |
| Jewelry | $33 | $393 |
| Junk Removal | $152 | $1,829 |
| Lawn/Landscaping | $41 | $492 |
| Lawyers | $58 | $691 |
| Manufacturing | $64 | $769 |
| Marine | $163 | $1,961 |
| Massage | $16 | $190 |
| Mortgage Broker | $15 | $181 |
| Moving | $281 | $3,373 |
| Nonprofit | $34 | $414 |
| Painting | $154 | $1,846 |
| Party Rental | $40 | $482 |
| Personal Training | $27 | $326 |
| Pest Control | $76 | $907 |
| Pet | $34 | $404 |
| Pharmacy | $7 | $83 |
| Photography | $18 | $222 |
| Physical Therapy | $7 | $89 |
| Plumbing | $70 | $840 |
| Pressure Washing | $91 | $1,094 |
| Real Estate | $32 | $390 |
| Restaurant | $69 | $830 |
| Retail | $38 | $461 |
| Roofing | $899 | $10,791 |
| Security | $57 | $681 |
| Snack Bars | $48 | $572 |
| Software | $29 | $346 |
| Spa/Wellness | $19 | $225 |
| Speech Therapist | $6 | $78 |
| Startup | $14 | $171 |
| Tech/IT | $30 | $356 |
| Transportation | $249 | $2,993 |
| Travel | $8 | $92 |
| Tree Service | $240 | $2,880 |
| Trucking | $295 | $3,537 |
| Tutoring | $11 | $130 |
| Veterinary | $21 | $254 |
| Wedding Planning | $31 | $370 |
| Welding | $127 | $1,525 |
| Wholesale | $44 | $531 |
| Window Cleaning | $229 | $2,750 |
How Much Workers' Comp Insurance Do I Need in Connecticut?
Connecticut requires businesses with one or more employees to get 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 don't qualify for an exemption and 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.
How to Get the Best Workers' Comp Insurance in Connecticut
Affordable coverage options can be found while keeping business insurance costs in check. Start by comparing insurance rates from multiple providers, understanding their claims handling process, examining you coverage options to get business insurance that fits your needs.
- 1Check coverage requirements
Connecticut law requires most businesses with employees (even only one employee) to carry workers' compensation insurance.
- 2Collect business details
Prepare accurate payroll records, employee count and job classifications before asking quotes for business insurance in Connecticut.
- 3Get multiple insurance quotes
Contact at least three different insurance carriers for quotes to see which providers offer cheap small business insurance.
- 4Find industry-specific expertise
Select insurers who understand your industry's risks and regulations. They're more likely to have personalized business insurance coverage types, which is important for high-risk sectors like construction or manufacturing.
- 5Review provider performance
Check each insurer's claim processing speed, benefits and complaint history.
- 6Understand policy details
Review coverage limits and exclusions carefully. Consider pay-as-you-go workers' comp.
- 7Schedule annual reviews
Review your coverage yearly because business changes affect your premium costs.
Connecticut Workers’ Comp: Bottom Line
Our analysis shows NEXT, Simply Business and The Hartford are top-rated workers' comp carriers. Consider getting quotes from these providers.
Connecticut Workers' Comp Insurance: FAQ
Find clear answers to the most common questions about coverage and costs below.
Is workers' comp insurance required for all Connecticut businesses?
Connecticut law requires businesses with one or more employees to carry workers' compensation insurance.
How much does workers' comp insurance cost in Connecticut?
NEXT offers the lowest-priced workers' comp insurance in Connecticut: $75 per month ($895 annually).
What does workers' comp insurance cover in Connecticut?
Connecticut workers' comp insurance covers medical expenses and lost wages for work-related injuries or illnesses. Benefits include unlimited medical care, partial wage replacement during recovery and permanent disability compensation.
Which workers' comp insurance company is best in Connecticut?
NEXT leads Connecticut workers' comp providers with a 4.61 overall score, excelling in customer service (4.7) and coverage options (4.8). Simply Business follows at 4.53, offering the most comprehensive coverage choices (4.9). The Hartford (4.53) provides good customer service.
What happens if I don't have workers' comp insurance in Connecticut?
Operating without workers' compensation insurance in Connecticut is illegal. Employers face fines up to $50,000, criminal penalties and potential business closure. The Connecticut Workers' Compensation Commission enforces compliance.
Do sole proprietors need workers' comp insurance in Connecticut?
Sole proprietors in Connecticut don't have to meet workers' compensation insurance requirements. But those in construction or roofing must carry coverage.
How do I choose the right workers' comp insurance company in Connecticut?
Ask for quotes from at least three workers' comp insurance providers. Look for carriers with expertise in your specific industry. Review each company's claims handling process, customer satisfaction ratings and complaint records.
How We Scored the Best Workers' Comp Insurance Companies in Connecticut
- 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.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.