Get Started

Employment practices liability in Connecticut

Connecticut’s Fair Employment Practices Act defines an employer to include any person or employer with one or more people in its employ. Separate sexual-harassment notice and training duties use workforce-size tiers. A CHRO complaint generally must be formally filed within 300 days for acts on or after October 1, 2021; earlier acts follow statutory transition deadlines. An online inquiry alone does not preserve the deadline. 1,2

What Is Employment Practices Liability?

EPLI can help pay covered defense costs and losses when applicants or workers allege discrimination, harassment, wrongful termination or other workplace wrongdoing. If you employ people, check the claim definition, defense costs and prior acts. Read the national Employment practices liability guide.

Connecticut Requirements

RequirementDetails
CFEPA employer definitionConnecticut defines an employer under CFEPA as any person or employer with one or more persons in its employ. 1
Harassment prevention notice and trainingEmployers with three or more employees have additional sexual-harassment notice and training duties; employers with fewer than three have specified supervisor training duties. 1

What to Watch for in Connecticut

  • Check the one-employee CFEPA definition

    Connecticut’s current statute defines an employer to include any person or employer with one or more people in its employ. Ask whether the quote schedules every employing entity and how its insured-person terms address Connecticut claims at small businesses. 1

  • Confirm which harassment training tier applies

    Connecticut’s statute requires employers with three or more employees to post and distribute sexual-harassment information and provide training to employees; it sets different supervisor training duties for employers with fewer than three employees. Ask whether the application’s risk-control answers match the current headcount and policy requirements. 1

  • An inquiry is not the formal CHRO filing

    CHRO says a phone call, letter, visit, or online inquiry begins intake, but does not count as filing the formal complaint. For alleged acts on or after October 1, 2021, the signed and sworn formal complaint must be filed within 300 days. For earlier acts, § 46a-82(f) provides transition rules: generally 180 days before October 1, 2019, and 300 days for specified claims from October 1, 2019 through September 30, 2021; a separate 30-day period applies to specified former § 46a-80 claims. Ask who will coordinate policy notice while intake is underway. 2,1

  • Plan for mandatory mediation after assessment

    CHRO describes mandatory mediation for cases retained after its case assessment review. Identify who can gather records, attend with counsel, and discuss settlement under the policy’s consent and claims-handling terms. 2

Who Regulates Insurance in Connecticut

Connecticut Insurance Department

The Connecticut Insurance Department licenses insurance producers and companies, oversees insurers and regulated insurance activity, and investigates insurance complaints. Its complaint and license-search services let you raise an issue or check an insurance professional or company. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate: 4% of gross premium when Connecticut is the home state When Connecticut is the insured’s home state, surplus-lines tax is 4% of gross premium; certain state and local government insureds are exempt, and broker or policy fees are not part of the premium-tax base. Connecticut’s required notice says these policies are outside the state guaranty association. Most placements require three declinations or an export-list qualification; an exempt commercial purchaser may qualify for the federal § 8205 search exception after disclosure and a written request. 6,7,8

Providers With Documented State Licenses

These providers publish a national listing for Employment practices liability; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Connecticut. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • CoalitionCoalition Insurance Solutions, Inc.Insurance producer, Surplus-lines broker · checked 2026-09-28Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only. 10
  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. 11
  • TechInsuranceSpecialty Program Group LLCInsurance producer · checked 2026-09-28TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. 14
  • VouchVouch Specialty Insurance Services, LLCInsurance producer, Surplus-lines broker · checked 2026-09-28Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability. 15

Questions to Ask Before You Buy in Connecticut

  1. Does the quote schedule each Connecticut employing entity even if it has only one employee?
  2. Who is responsible for notifying the insurer while a CHRO inquiry is being prepared into a formal complaint?
  3. Who can respond to mandatory mediation and approve a proposed settlement?

Employment Practices Liability in Connecticut: FAQ

What is Connecticut’s CFEPA employer threshold? 1

The current statute defines an employer to include any person or employer with one or more persons in its employ. 1

Does contacting CHRO within 300 days file the complaint? 2,1

No. CHRO says initial contact and an online inquiry begin intake but are not the formal complaint. A signed and sworn complaint is due within 300 days for acts on or after October 1, 2021. Earlier acts use § 46a-82(f)’s transition deadlines, generally 180 days before October 1, 2019 and 300 days for specified claims from October 1, 2019 through September 30, 2021, with a separate 30-day rule for specified former § 46a-80 claims. 2,1

Employment Practices Liability in Other States

Other Coverage in Connecticut

Sources

  1. Connecticut General Statutes, Chapter 814c — Human Rights and Opportunities. Connecticut General Assembly; Current codification: § 46a-51(10) defines employer as any person or employer with one or more persons employed; § 46a-54(15) sets separate sexual-harassment notice/training duties by headcount; § 46a-60 protected employment grounds; § 46a-82(f) sets a 300-day period for acts on or after 2021-10-01. Accessed 2026-09-28.
  2. Complaint Processing. Connecticut Commission on Human Rights and Opportunities; Formal complaint deadline and procedure: initial contact/online inquiry starts intake but is not a formal filing; signed, sworn complaint; response, assessment, and mandatory mediation. Accessed 2026-09-28.
  3. Connecticut Insurance Department. Connecticut Insurance Department; Official Department homepage; mission and department resources. Accessed 2026-09-28.
  4. Licensing. Connecticut Insurance Department; Department licensing resource landing page; links to state agent and company license lookup. Accessed 2026-09-28.
  5. Ask a Question or File a Complaint. Connecticut Insurance Department; Online complaint form and consumer affairs helpline. Accessed 2026-09-28.
  6. FAQs: Surplus Lines Brokers. Connecticut Insurance Department; Current tax rate, tax base and exemptions, diligent-search rules, guaranty-fund notice. Accessed 2026-09-28.
  7. FAQs: Surplus Lines Brokers. Connecticut Insurance Department; Question on surplus-lines notice states Connecticut Insurance Guaranty Association does not cover these policies. Accessed 2026-09-28.
  8. 15 U.S.C. § 8205: Streamlined application for commercial purchasers. U.S. House of Representatives, Office of the Law Revision Counsel; Broker's due-diligence search exception for an exempt commercial purchaser requires prior disclosure that admitted-market insurance may offer greater protection/regulatory oversight and the purchaser's subsequent written request for nonadmitted placement. Accessed 2026-09-28.
  9. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  10. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  11. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  12. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  13. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  14. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
  15. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

Get Help With Insurance Buying and Renewals.

Get help buying coverage and managing renewals, with less paperwork for your team. Start with a free consultation.

Talk to Spot