Connecticut workers' comp rates depend on your industry and team size. Find answers to common coverage questions below.
Best Workers' Comp Insurance in Connecticut
With rates starting at $6 monthly, NEXT, The Hartford and Simply Business offer the cheapest and best workers' comp insurance in Connecticut.
Compare top Connecticut workers’ comp insurance providers and find your ideal coverage.
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Updated: November 19, 2025
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Best Connecticut Workers' Comp Insurance: Fast Answers
What are the best and cheapest workers' comp insurance providers in Connecticut?
NEXT offers the top cheap workers' compensation insurance in Connecticut. The following are the state's cheapest and best workers' comp insurance providers and their average monthly rates:
- NEXT: $75
- The Hartford: $76
- Simply Business: $77
- Coverdash: $79
- biBerk: $81
Is workers' comp insurance required in Connecticut?
Connecticut mandates workers' comp insurance for most employers with one or more employees, including part-time and seasonal workers. Key exemptions include sole proprietors without employees, some agricultural workers and domestic workers in private homes. Non-compliance results in fines up to $300 per employee per day, plus potential criminal charges.
How much does workers' comp insurance cost in Connecticut?
Workers' compensation insurance costs in Connecticut average around $80 per month for a two-person business, or roughly $40 per employee. Costs vary dramatically based on industry and payroll size. Speech therapists pay as little as $6 monthly ($3 per employee), while roofers face rates of $899 monthly ($450 per employee).
How do you get workers' comp insurance in Connecticut?
You can get workers' comp insurance coverage in Connecticut by:
- Purchasing coverage from licensed private insurance companies operating in the state
- Joining a group self-insurance fund with other qualifying employers
- Becoming individually self-insured if your business meets Connecticut's strict financial requirements
Many business owners compare quotes online or through brokers to get the best rate and compliance support.
What does Connecticut workers' comp insurance cover?
Workers' compensation in Connecticut covers:
- All medical expenses for work-related injuries and occupational illnesses
- Partial wage replacement during recovery periods from workplace accidents
- Permanent disability compensation for lasting impairments affecting earning capacity
- Survivor benefits for families when workplace fatalities occur
Best Workers' Comp Insurance Companies in Connecticut
NEXT tops our research for workers' comp insurance in Connecticut, delivering outstanding customer support and comprehensive policy options. The Hartford and Simply Business rank second and third for small business owners seeking quality coverage.
| NEXT Insurance | 4.61 | $75 | 1 | 2 |
| The Hartford | 4.53 | $76 | 2 | 3 |
| Simply Business | 4.53 | $77 | 5 | 1 |
| Coverdash | 4.46 | $79 | 6 | 2 |
| biBERK | 4.44 | $81 | 2 | 5 |
| Nationwide | 4.44 | $88 | 2 | 4 |
| Progressive Commercial | 4.40 | $77 | 7 | 5 |
| Hiscox | 4.38 | $77 | 4 | 6 |
| Thimble | 4.35 | $76 | 8 | 5 |
| Chubb | 4.28 | $92 | 3 | 4 |
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.
Get Matched to Top Workers' Comp Insurers in Connecticut
Select your industry and state to get a customized Connecticut workers' comp quote from your top provider match.
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LEARN MORE ABOUT THE BEST BUSINESS INSURANCE IN CONNECTICUT
Explore the best business insurance providers in Connecticut through our guides:
Best Connecticut Workers’ Comp Insurance Company Reviews
Connecticut has several workers' comp insurers, but these companies rank highest for their coverage options, affordability and customer service.
NEXT
Best Workers' Comp Insurance in Connecticut
MoneyGeek Rating
4.6/ 5
4.4/5Affordability
4.7/5Customer Experience
4.8/5Coverage Points
Average Monthly Workers' Comp Premium
$75Based on average costs for Connecticut businessesWorkers' Comp Claims Processing Score
3.9/5 (4th)Based on customer satisfaction surveysWorkers' Comp Customer Likelihood to Be Recommended to Others Score
4.8/5 (1st)Percentage of customers who would recommend NEXT
The Hartford
Best Connecticut Workers' Comp Insurance: Runner-Up
MoneyGeek Rating
4.5/ 5
4.4/5Affordability
4.6/5Customer Experience
4.7/5Coverage Points
Average Monthly Workers' Comp Premium
$76Based on our analysis of Connecticut workers' compensation insurance ratesWorker's Comp Claims Process Score
4.5/5 (1st)Rating based on customer satisfaction with claims handling experienceWorkers' Comp Customer Likelihood to Be Recommended to Others Score
4.5/5 (2nd)Percentage of current customers who would recommend The Hartford to others
Cheapest Workers' Comp Insurance Companies in Connecticut
NEXT delivers the most affordable workers' comp coverage in Connecticut at $75 monthly or $895 annually, below the state average of $80 monthly. The Hartford and Thimble rank second for affordability, both offering monthly premiums of $76.
The table below shows costs from all companies we analyzed.
| NEXT Insurance | $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 represent small businesses with two employees across 79 major industries and focus solely on workers' comp policies. Your actual premium depends on your business location, industry, employee count, claims history, coverage limits and other factors insurers consider.
Cheapest Workers' Comp in Connecticut by Industry
Thimble offers the most affordable workers' comp coverage, with rates starting at $10 monthly for home-based businesses. Thimble leads in nine industries, excelling in accounting, retail and consulting sectors. As the second-most affordable option, Thimble also delivers competitive rates across manufacturing, health care and professional services.
| Automotive | NEXT Insurance | $122 | $1,464 |
| Accountants | Thimble | $21 | $251 |
| Ad Agency | NEXT Insurance | $16 | $197 |
| Auto Repair | Simply Business | $155 | $1,861 |
| Bakery | NEXT Insurance | $55 | $656 |
| Barber | NEXT Insurance | $14 | $165 |
| Bounce House | NEXT Insurance | $41 | $496 |
| Beauty Salon | Simply Business | $14 | $174 |
| Cannabis | Simply Business | $85 | $1,026 |
| Candle | NEXT Insurance | $41 | $486 |
| Cleaning | NEXT Insurance | $49 | $593 |
| Catering | Nationwide | $87 | $1,038 |
| Computer Programming | NEXT Insurance | $28 | $340 |
| Coffee Shop | Progressive Commercial | $48 | $574 |
| Computer Repair | NEXT Insurance | $24 | $290 |
| Courier | NEXT Insurance | $225 | $2,704 |
| Construction | NEXT Insurance | $179 | $2,154 |
| Consulting | The Hartford | $30 | $364 |
| Contractor | Progressive Commercial | $165 | $1,985 |
| Daycare | NEXT Insurance | $14 | $162 |
| Dental | Thimble | $11 | $135 |
| Dog Grooming | The Hartford | $66 | $787 |
| DJ | NEXT Insurance | $14 | $167 |
| Electrical | The Hartford | $58 | $701 |
| Drone | NEXT Insurance | $27 | $327 |
| Ecommerce | Simply Business | $22 | $263 |
| Excavation | NEXT Insurance | $110 | $1,322 |
| Engineering | NEXT Insurance | $39 | $463 |
| Florist | The Hartford | $62 | $741 |
| Food Truck | NEXT Insurance | $46 | $548 |
| Food | Thimble | $42 | $507 |
| Gardening | NEXT Insurance | $49 | $584 |
| Funeral Home | Progressive Commercial | $27 | $327 |
| Home-based | Thimble | $10 | $120 |
| Handyman | Thimble | $93 | $1,114 |
| HVAC | Progressive Commercial | $63 | $756 |
| Hospitality | Chubb | $87 | $1,044 |
| Jewelry | NEXT Insurance | $30 | $362 |
| Janitorial | NEXT Insurance | $50 | $597 |
| Lawn/Landscaping | Progressive Commercial | $38 | $455 |
| Junk Removal | NEXT Insurance | $140 | $1,685 |
| Lawyers | NEXT Insurance | $53 | $640 |
| Massage | Simply Business | $15 | $175 |
| Manufacturing | Progressive Commercial | $60 | $720 |
| Marine | NEXT Insurance | $149 | $1,793 |
| Mortgage Broker | NEXT Insurance | $14 | $164 |
| Painting | NEXT Insurance | $140 | $1,678 |
| Moving | Thimble | $259 | $3,105 |
| Nonprofit | NEXT Insurance | $32 | $380 |
| Party Rental | Thimble | $38 | $450 |
| Pet | NEXT Insurance | $31 | $370 |
| Personal Training | Simply Business | $25 | $304 |
| Pest Control | Nationwide | $84 | $1,013 |
| Pharmacy | NEXT Insurance | $6 | $77 |
| Physical Therapy | Chubb | $9 | $102 |
| Photography | Simply Business | $17 | $208 |
| Photography | NEXT Insurance | $17 | $208 |
| Pressure Washing | NEXT Insurance | $86 | $1,026 |
| Plumbing | NEXT Insurance | $66 | $787 |
| Real Estate | NEXT Insurance | $30 | $362 |
| Retail | NEXT Insurance | $36 | $431 |
| Restaurant | NEXT Insurance | $63 | $752 |
| Security | Simply Business | $53 | $635 |
| Roofing | NEXT Insurance | $840 | $10,084 |
| Software | Thimble | $27 | $320 |
| Snack Bars | NEXT Insurance | $44 | $528 |
| Speech Therapist | NEXT Insurance | $6 | $71 |
| Spa/Wellness | NEXT Insurance | $17 | $203 |
| Tech/IT | NEXT Insurance | $26 | $317 |
| Startup | Simply Business | $13 | $160 |
| Travel | Nationwide | $8 | $100 |
| Transportation | Progressive Commercial | $229 | $2,754 |
| Tree Service | NEXT Insurance | $217 | $2,602 |
| Veterinary | NEXT Insurance | $20 | $236 |
| Trucking | NEXT Insurance | $277 | $3,321 |
| Tutoring | Thimble | $10 | $121 |
| Wedding Planning | NEXT Insurance | $28 | $342 |
| Wholesale | NEXT Insurance | $42 | $504 |
| Welding | NEXT Insurance | $119 | $1,427 |
| Window Cleaning | Hiscox | $218 | $2,613 |
How Much Is Workers' Comp Insurance in Connecticut?
Connecticut's workers' comp insurance costs average $80 monthly ($958 yearly), or $6 above the national average of $74. Industry rates vary, with speech therapists paying just $6 monthly ($3 per employee) while roofers pay $899 monthly ($450 per employee).
| 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 |
Connecticut Workers' Comp Insurance Cost Factors
These cost factors affect workers' compensation insurance rates in Connecticut:
2025 Rate Decrease
Connecticut workers' comp premiums dropped 6% starting January 1, 2025, marking the 11th straight year of rate decreases. The Connecticut Insurance Department approved a 6.1% cut in voluntary market loss costs and a 6.2% reduction in assigned risk plan rates. Connecticut employers collectively saved over $400 million during this decade-long trend due to decreased workplace injuries statewide.
Connecticut Second Injury Fund Assessment
Connecticut employers pay a mandatory Second Injury Fund assessment on top of regular premiums. The State Treasurer sets this rate each May 1st. In fiscal year 2024, Connecticut businesses paid $27.9 million combined into this fund. Insurers calculate the surcharge as a percentage of direct written premiums and add it to your bill. Self-insured businesses pay based on actual paid losses from the previous year. Higher premiums mean higher fund costs.
Connecticut Rates Among Highest in Nation
Connecticut ranks tenth nationally for workers' comp costs. Connecticut businesses pay about 27% more than the national average for the same coverage. Connecticut's elevated rates stem from the state's claims history and medical costs. Even with excellent safety records, Connecticut small businesses pay more than similar operations in other states.
NCCI State with Annual Rate Filings
The National Council on Compensation Insurance manages Connecticut's workers' comp data. NCCI collects claims information, class codes, premiums and payroll from every Connecticut insurer. NCCI analyzes this statewide data and recommends rates to the Connecticut Insurance Department each year. Insurance companies must get state approval before adjusting rates. Statewide claim trends from two years ago influence current premiums.
Connecticut Assigned Risk Pool (WCIP)
NCCI runs Connecticut's assigned risk pool. Businesses can apply for assigned risk coverage if they're eligible for workers' comp insurance and have been rejected by voluntary market insurers. NCCI distributes applications among insurance companies based on Connecticut market share. About 12% of Connecticut employers get coverage through the assigned risk pool. Assigned risk premiums cost substantially more than voluntary market rates because insurers must accept these high-risk businesses.
Experience Modification Rate (EMR) Threshold
Connecticut EMR affects rates only after annual premiums reach $5,000. Most small Connecticut businesses stay below this threshold. Premiums under $5,000 remain at manual rates without claim-based adjustments. Premiums exceeding $5,000 trigger modifications to claims history for three to five years.
Connecticut Workers' Compensation Commission Oversight
The Connecticut Workers' Compensation Commission runs the state's workers' comp system. The Commission ensures injured workers get proper benefits and handles disputes between employers and insurers. Connecticut pays injured workers 75% of their after-tax average weekly wage. Commission operations add administrative costs to premiums. Connecticut's 75% wage replacement rate exceeds many states, forcing insurers to pay more per claim.
How Much Workers' Comp Insurance Do I Need in Connecticut?
Connecticut requires workers' comp insurance if you have one or more employees, covering all full-time, part-time, seasonal and contract workers. Your policy must provide unlimited medical benefits, wage replacement at 75% of after-tax average weekly wages, permanent disability compensation and death benefits up to $4,000 for funeral expenses.
Coverage amounts are calculated based on your payroll and employee classification codes rather than fixed dollar limits. Operating without the required workers' comp coverage results in $300 per employee per day in fines, stop-work orders and potential criminal charges as a class D felony.
Connecticut Workers' Comp Insurance Exemptions
While coverage is often required in Connecticut, some business categories are exempt from workers' comp requirements:
- Domestic Workers Under 26 Hours Per Week: You don't need to cover household employees who work fewer than 26 hours weekly.
- Corporate Officers: You're automatically covered but can opt out with written notice to your employer and the Connecticut Workers' Compensation Commission.
- Single-Member LLC Owners: Single-member LLC owners are automatically excluded but can opt in using a minimum salary of $83,200. Multi-member LLC owners are automatically covered but can opt out.
- Sole Proprietors and Business Partners: You're automatically excluded but can opt in using a salary of $81,900.
- Family Members Living in Your Home: You don't need coverage for family members in your household unless you include their wages in your premium payroll.
- Independent Contractors: Workers who qualify as independent contractors don't need coverage (the Connecticut Workers' Compensation Commission reviews each case).
- Casual Workers: You don't need to cover temporary workers hired for tasks outside your regular business.
- Federal Workers: Maritime workers, federal employees and railroad workers are covered by federal programs instead of Connecticut workers' comp.
FEDERAL WORKERS' COMP PROGRAMS OVERRIDE STATE REQUIREMENTS
Federal civilian employees receive benefits through the Federal Employees' Compensation Act instead of Connecticut workers' comp. Railroad workers can sue under the Federal Employers' Liability Act. Maritime workers like longshoremen and harbor workers get coverage through the Longshore and Harbor Workers' Compensation Act.
The Connecticut Workers' Compensation Commission reviews each situation individually to determine if someone qualifies as an independent contractor.
How to Get the Best Workers' Comp Insurance in Connecticut
Finding the right workers' comp insurance means matching coverage to your specific business risks while securing competitive rates.
- 1Determine if you need workers' comp coverage in Connecticut
Workers' comp exemptions apply to certain business structures and employee types. A sole proprietor running a consulting business doesn't need coverage, but hiring one employee triggers Connecticut's requirement. Connecticut classifies some 1099 contractors as employees, so verify worker status with the Connecticut Workers' Compensation Commission.
- 2Gather your business information
Connecticut workers' comp quotes require employee count, annual payroll and NCCI classification codes. Connecticut uses the National Council on Compensation Insurance system with hundreds of industry classifications. Getting your payroll or classification code wrong leads to surprise audit bills or coverage gaps when you file a claim.
- 3Request workers' comp quotes from multiple carriers
Get quotes from at least three insurers to compare business insurance costs. Connecticut doesn't have a state fund, so NCCI manages the assigned risk pool. Connecticut approved an 11th consecutive year of rate decreases for 2025, with voluntary market rates dropping 6.1%. Private insurers can apply credits up to 25%.
- 4Research providers with industry experience
Focus on insurers who understand your business risks and classification codes beyond offering cheap business insurance rates. Construction companies should prioritize carriers specializing in high-risk industries who understand CONN-OSHA (Connecticut Occupational Safety and Health Administration) requirements.
- 5Evaluate your top provider options
Review each insurer's track record to determine who offers the best business insurance:
- Check claim processing times, customer service ratings and complaint history with Connecticut's Insurance Department.
- Verify the insurer's experience handling Connecticut claims and appeals processes.
- Ask about return-to-work programs and safety consultations that help reduce future claims.
- Choose carriers offering valuable extras like safety training resources and workplace safety assessments.
- 6Review and purchase your workers' compensation policy
Read policy terms carefully, focusing on coverage limits, exclusions and renewal conditions specific to Connecticut regulations. Choose payment options that work for your cash flow, such as pay-as-you-go structures for seasonal businesses.
- 7Reassess before annual renewal
Check your employee count, review filed claims and verify your experience modification rate before policy renewal. Update your insurer about business changes to maintain proper coverage. Connecticut's workers' comp rates dropped 6% for 2025, continuing a decade-long trend.
Best Connecticut Workers' Compensation Insurance: Bottom Line
NEXT, The Hartford and Simply Business top our rankings for workers' comp insurers, but the right pick depends on your industry, team size and budget. Get quotes first, then look at how each insurer handles businesses like yours.
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.
sources
- Connecticut Office of the Governor. "Governor Lamont Announces Businesses Will Receive a 6% Decrease in Workers' Compensation Rates in 2025." Accessed November 23, 2025.
- Connecticut Office of Legislative Research. "Workers' Compensation Assigned Risk Pool." Accessed November 23, 2025.
- Connecticut Office of the State Treasurer. "Employer Assessment." Accessed November 23, 2025.
- Connecticut Office of the State Treasurer. "Frequently Asked Questions." Accessed November 23, 2025.
- Insurance Journal. "Connecticut Approves 6% Workers' Compensation Rate Decrease for 2025.." Accessed November 23, 2025.