--- title: "Fiduciary Liability Insurance in Connecticut" description: "See how Connecticut continuation rules for fully insured plans affect benefit administration and fiduciary-liability quote questions." canonical: "https://spot.insure/coverage/fiduciary/connecticut" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/fiduciary/connecticut) # Fiduciary Liability Insurance in Connecticut Connecticut § 38a-512a applies only to group health policies providing a coverage type listed in § 38a-469(1), (2), (3), (4), (11) or (12). For covered policies, specified layoff, reduced-hours, leave or termination events generally allow up to 30 months, but other group coverage and event-specific exceptions can shorten or change that period; Connecticut Insurance Department guidance says the expanded period reaches fully insured employer plans of any size.[^1][^2][^3] **Coverage:** [Fiduciary liability](/coverage/fiduciary) · [Connecticut](/coverage/states/connecticut) ## What Is Fiduciary Liability? Fiduciary liability can protect your company and plan fiduciaries when participants claim mishandling of an employee benefit plan. If you sponsor a retirement or health plan, check who is insured and whether both administration errors and fiduciary-breach claims are addressed. [Read the national Fiduciary liability guide](/coverage/fiduciary). ## What to Watch for in Connecticut ### Confirm The Plan And Policy Scope Section 38a-512a applies to group health policies in Connecticut that provide a coverage type listed in § 38a-469(1), (2), (3), (4), (11) or (12). Separately, the Insurance Department says the 30-month expansion reaches fully insured employer plans of any size. Identify the policy, funding and listed coverage category before applying the state deadline.[^1][^2] ### Match The Event To The Right Period Section 38a-512a(a)(1)(A) generally provides up to 30 months after layoff, reduced hours, leave or termination, except death or gross misconduct, and ordinarily ends earlier when other group insurance becomes available. If reduced hours, leave or termination results from the employee's eligibility to receive Social Security income, continuation ends at midnight before Medicare eligibility; that special endpoint does not list layoff. Death and other events have separate periods. Existing collectively bargained group policies are not altered or impaired; the section applies at the next regular renewal and after the collective-bargaining agreement is complete.[^1] ### Track Other Coverage And Special Extensions The ordinary Connecticut continuation option ends when the person becomes eligible for other group insurance. The statute has exceptions for illness or injury (up to 12 months) and for total disability when a group policy ends (up to 12 calendar months, with a timely claim); map those dates separately.[^1] ## 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.[^4][^5][^6] - [Regulator website](https://portal.ct.gov/cid) - [License lookup](https://portal.ct.gov/cid/licensing) - [File a complaint](https://portal.ct.gov/cid/file-a-complaint) - Phone: (800) 203-3447 ### 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.[^7][^8][^9] ## Providers With Documented State Licenses These providers publish a national listing for Fiduciary 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 that the product is available in Connecticut; [check the regulator’s license lookup](https://portal.ct.gov/cid/licensing) and confirm state availability for your business when requesting a quote. - [Coalition](/insurance-providers/coalition) — **Entity:** Coalition Insurance Solutions, Inc.; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Coalition’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.[^11] - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** Corgi’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.[^12] ## Questions to Ask Before You Buy in Connecticut 1. Does this Connecticut group policy provide a coverage type listed in § 38a-469(1), (2), (3), (4), (11) or (12), and is it fully insured? 2. Who classifies an event as layoff, leave, termination, death or gross misconduct before the continuation period is entered? 3. Who tracks eligibility for other group insurance and the separate illness, injury or total-disability extension dates? 4. Does the fiduciary proposal identify the people who use discretion in administering this plan and its continuation decisions? ## Fiduciary Liability in Connecticut: FAQ ### Does Connecticut provide 30 months of state continuation coverage? Yes, for specified layoff, reduced-hours, leave or termination events under § 38a-512a(a)(1)(A), subject to earlier eligibility for other group insurance. If reduced hours, leave or termination results from eligibility to receive Social Security income, the period instead ends at midnight before Medicare eligibility. The Insurance Department says the expansion reaches fully insured employer plans of any size.[^1][^2] ### Does every Connecticut continuation event receive 30 months? No. Section 38a-512a limits coverage to group health policies providing one of the types listed in § 38a-469(1), (2), (3), (4), (11) or (12). It sets separate periods for death, illness or injury, and total disability after policy termination; the 30-month employment-event rule has an earlier Medicare-related endpoint in specified cases. Existing collectively bargained policies receive the statute's renewal-and-agreement timing qualification.[^1] ## Fiduciary Liability in Other States - [Alabama](/coverage/fiduciary/alabama) - [Alaska](/coverage/fiduciary/alaska) - [Arizona](/coverage/fiduciary/arizona) - [Arkansas](/coverage/fiduciary/arkansas) - [California](/coverage/fiduciary/california) - [Colorado](/coverage/fiduciary/colorado) - [Delaware](/coverage/fiduciary/delaware) - [District of Columbia](/coverage/fiduciary/district-of-columbia) - [Florida](/coverage/fiduciary/florida) - [Georgia](/coverage/fiduciary/georgia) - [Hawaii](/coverage/fiduciary/hawaii) - [Idaho](/coverage/fiduciary/idaho) - [Illinois](/coverage/fiduciary/illinois) - [Indiana](/coverage/fiduciary/indiana) - [Iowa](/coverage/fiduciary/iowa) - [Kansas](/coverage/fiduciary/kansas) - [Kentucky](/coverage/fiduciary/kentucky) - [Louisiana](/coverage/fiduciary/louisiana) - [Maine](/coverage/fiduciary/maine) - [Maryland](/coverage/fiduciary/maryland) - [Massachusetts](/coverage/fiduciary/massachusetts) - [Michigan](/coverage/fiduciary/michigan) - [Minnesota](/coverage/fiduciary/minnesota) - [Mississippi](/coverage/fiduciary/mississippi) - [Missouri](/coverage/fiduciary/missouri) - [Montana](/coverage/fiduciary/montana) - [Nebraska](/coverage/fiduciary/nebraska) - [Nevada](/coverage/fiduciary/nevada) - [New Hampshire](/coverage/fiduciary/new-hampshire) - [New Jersey](/coverage/fiduciary/new-jersey) - [New Mexico](/coverage/fiduciary/new-mexico) - [New York](/coverage/fiduciary/new-york) - [North Carolina](/coverage/fiduciary/north-carolina) - [North Dakota](/coverage/fiduciary/north-dakota) - [Ohio](/coverage/fiduciary/ohio) - [Oklahoma](/coverage/fiduciary/oklahoma) - [Oregon](/coverage/fiduciary/oregon) - [Pennsylvania](/coverage/fiduciary/pennsylvania) - [Rhode Island](/coverage/fiduciary/rhode-island) - [South Carolina](/coverage/fiduciary/south-carolina) - [South Dakota](/coverage/fiduciary/south-dakota) - [Tennessee](/coverage/fiduciary/tennessee) - [Texas](/coverage/fiduciary/texas) - [Utah](/coverage/fiduciary/utah) - [Vermont](/coverage/fiduciary/vermont) - [Virginia](/coverage/fiduciary/virginia) - [Washington](/coverage/fiduciary/washington) - [West Virginia](/coverage/fiduciary/west-virginia) - [Wisconsin](/coverage/fiduciary/wisconsin) - [Wyoming](/coverage/fiduciary/wyoming) [Other Coverage in Connecticut](/coverage/states/connecticut) ## Sources [^1]: [Connecticut General Statutes § 38a-512a — Continuation of Coverage](https://prdext3.cga.ct.gov/2025/pub/chap_700c.htm) — Connecticut General Assembly; Chapter 700c, Part III, § 38a-512a(a)(1)(A)–(F), (a)(2), (b): covered group-policy scope, event-specific periods, other-group eligibility, premium and collective-bargaining qualifications. Accessed 2026-09-28. [^2]: [Employee Rights to Continuation of Group Health Coverage Through Federal COBRA and Connecticut State Continuation](https://portal.ct.gov/cid/consumer-resource-library/health-insurance/cobra-connecticut-state-continuation-coverage) — Connecticut Insurance Department; “Connecticut State Continuation” and “Public Act 10-13”: fully insured employer groups under 20; 30-month expansion for Connecticut fully insured employer plans of any size effective May 5, 2010. Accessed 2026-09-28. [^3]: [2026 Supplement, Title 38a — Insurance](https://prdext3.cga.ct.gov/2026/sup/title_38a.htm) — Connecticut General Assembly; Chapter 700c section index: sections included in the supplement; § 38a-512a is not listed. The supplement is a limited codification, not a complete 2026-session law audit.. Accessed 2026-09-28. [^4]: [Connecticut Insurance Department](https://portal.ct.gov/cid) — Connecticut Insurance Department; Official Department homepage; mission and department resources. Accessed 2026-09-28. [^5]: [Licensing](https://portal.ct.gov/cid/licensing) — Connecticut Insurance Department; Department licensing resource landing page; links to state agent and company license lookup. Accessed 2026-09-28. [^6]: [Ask a Question or File a Complaint](https://portal.ct.gov/cid/file-a-complaint) — Connecticut Insurance Department; Online complaint form and consumer affairs helpline. Accessed 2026-09-28. [^7]: [FAQs: Surplus Lines Brokers](https://portal.ct.gov/cid/licensing/licensing-resource-library/faqs---surplus-lines-brokers) — Connecticut Insurance Department; Current tax rate, tax base and exemptions, diligent-search rules, guaranty-fund notice. Accessed 2026-09-28. [^8]: [FAQs: Surplus Lines Brokers](https://portal.ct.gov/cid/licensing/licensing-resource-library/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. [^9]: [15 U.S.C. § 8205: Streamlined application for commercial purchasers](https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A8205+edition%3Aprelim%29) — 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. [^10]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^11]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — 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. [^12]: [Insurance Producer Licenses](https://www.corgi.insure/broker-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. [^13]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-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. [^14]: [Licenses](https://www.nextinsurance.com/insurance-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. [^15]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — 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. [^16]: [Licenses](https://www.vouch.us/legal/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 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). To suggest a correction, [contact Spot](/contact) with a supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/fiduciary/connecticut.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)