--- title: "Workers’ Compensation Insurance in Connecticut" description: "See when Connecticut employers need workers’ compensation and how owner elections, self-insurance, and out-of-state work affect a policy." canonical: "https://spot.insure/coverage/workers-compensation/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/workers-compensation/connecticut) # Workers’ Compensation Insurance in Connecticut Connecticut generally requires employers to cover employees, with a few statutory exceptions. Check whether your business needs to include an owner or member and confirm coverage for employees working in Connecticut.[^1] **Coverage:** [Workers’ compensation](/coverage/workers-compensation) · [Connecticut](/coverage/states/connecticut) ## What Is Workers’ Compensation? Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. [Read the national Workers’ compensation guide](/coverage/workers-compensation). ## Connecticut Requirements | Requirement | Details | | --- | --- | | Employer coverage | Required for employees, with statutory exceptions[^1][^2] | ## What to Watch for in Connecticut ### Owners May Need a Separate Coverage Election A sole proprietor must accept Connecticut’s Workers’ Compensation Act to count as an employer for insurance purposes; corporate officers, LLC members, and partnership members may elect exclusion. Tell your broker which owners work in the business and how each is treated.[^1] ### Connecticut Work Must Be Included An out-of-state employer must provide coverage for employees working in Connecticut and comply with Connecticut rules. If staff cross the state line, ask the broker to show the Connecticut exposure on the policy and quote.[^1][^2] ### Self-Insurance Has More Than One Route Connecticut recognizes individual self-insurance and licensed mutual or group self-insurance organizations alongside licensed insurance companies. Ask what approval and financial requirements apply before comparing these options with a policy.[^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.[^3][^4][^5] - [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.[^6][^7][^8] ## Providers With Documented State Licenses These providers publish a national listing for Workers’ compensation; 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. - [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.[^11] - [ERGO NEXT Insurance](/insurance-providers/next-insurance) — **Entity:** Next First Insurance Agency, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** ERGO NEXT’s current license table lists Next First Insurance Agency, Inc. in 50 jurisdictions, including Washington, DC; New York is excluded because its table rows name Next Insurance Services and AP Intego, not Next First. The table is company-reported; it does not establish product availability or provide state-regulator verification for each entry.[^13] - [Hiscox](/insurance-providers/hiscox) — **Entity:** Hiscox Insurance Company Inc.; **role:** Insurer; **checked:** 2026-09-28. **Scope:** Hiscox’s U.S. company information states that Hiscox Insurance Company Inc. is licensed in all 50 states and the District of Columbia. This is company-reported insurer authority for this entity and does not establish which company issues every Hiscox-branded product.[^12] - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** TechInsurance’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] - [Vouch](/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Vouch’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 this policy cover every employee who works in Connecticut, including staff who split time across state lines? 2. How should we list our sole proprietor, corporate officers, LLC members, or partners under Connecticut’s election rules? 3. If we consider self-insurance or a group arrangement, what Connecticut approval and financial requirements must we meet? ## Workers’ Compensation in Connecticut: FAQ ### Is workers’ compensation required for Connecticut employers? Yes. Connecticut says that, with few exceptions, all employers must cover employees under the Workers’ Compensation Act.[^1][^2] ### Do Connecticut business owners have to be covered by workers’ compensation? Not always. Sole proprietors must accept the Act to be treated as an employer for insurance purposes, while corporate officers, LLC members, and partnership members may elect exclusion.[^1] ## Workers’ Compensation in Other States - [Alabama](/coverage/workers-compensation/alabama) - [Alaska](/coverage/workers-compensation/alaska) - [Arizona](/coverage/workers-compensation/arizona) - [Arkansas](/coverage/workers-compensation/arkansas) - [California](/coverage/workers-compensation/california) - [Colorado](/coverage/workers-compensation/colorado) - [Delaware](/coverage/workers-compensation/delaware) - [District of Columbia](/coverage/workers-compensation/district-of-columbia) - [Florida](/coverage/workers-compensation/florida) - [Georgia](/coverage/workers-compensation/georgia) - [Hawaii](/coverage/workers-compensation/hawaii) - [Idaho](/coverage/workers-compensation/idaho) - [Illinois](/coverage/workers-compensation/illinois) - [Indiana](/coverage/workers-compensation/indiana) - [Iowa](/coverage/workers-compensation/iowa) - [Kansas](/coverage/workers-compensation/kansas) - [Kentucky](/coverage/workers-compensation/kentucky) - [Louisiana](/coverage/workers-compensation/louisiana) - [Maine](/coverage/workers-compensation/maine) - [Maryland](/coverage/workers-compensation/maryland) - [Massachusetts](/coverage/workers-compensation/massachusetts) - [Michigan](/coverage/workers-compensation/michigan) - [Minnesota](/coverage/workers-compensation/minnesota) - [Mississippi](/coverage/workers-compensation/mississippi) - [Missouri](/coverage/workers-compensation/missouri) - [Montana](/coverage/workers-compensation/montana) - [Nebraska](/coverage/workers-compensation/nebraska) - [Nevada](/coverage/workers-compensation/nevada) - [New Hampshire](/coverage/workers-compensation/new-hampshire) - [New Jersey](/coverage/workers-compensation/new-jersey) - [New Mexico](/coverage/workers-compensation/new-mexico) - [New York](/coverage/workers-compensation/new-york) - [North Carolina](/coverage/workers-compensation/north-carolina) - [North Dakota](/coverage/workers-compensation/north-dakota) - [Ohio](/coverage/workers-compensation/ohio) - [Oklahoma](/coverage/workers-compensation/oklahoma) - [Oregon](/coverage/workers-compensation/oregon) - [Pennsylvania](/coverage/workers-compensation/pennsylvania) - [Rhode Island](/coverage/workers-compensation/rhode-island) - [South Carolina](/coverage/workers-compensation/south-carolina) - [South Dakota](/coverage/workers-compensation/south-dakota) - [Tennessee](/coverage/workers-compensation/tennessee) - [Texas](/coverage/workers-compensation/texas) - [Utah](/coverage/workers-compensation/utah) - [Vermont](/coverage/workers-compensation/vermont) - [Virginia](/coverage/workers-compensation/virginia) - [Washington](/coverage/workers-compensation/washington) - [West Virginia](/coverage/workers-compensation/west-virginia) - [Wisconsin](/coverage/workers-compensation/wisconsin) - [Wyoming](/coverage/workers-compensation/wyoming) [Other Coverage in Connecticut](/coverage/states/connecticut) ## Sources [^1]: [About workers’ compensation insurance](https://portal.ct.gov/wcc/knowledge-base/articles/employers/workers-compensation-insurance) — Connecticut Workers’ Compensation Commission; Insurance requirements; Where to get workers’ compensation insurance (page dated July 29, 2025). Accessed 2026-09-28. [^2]: [Chapter 568: Workers’ Compensation Act](https://cga.ct.gov/Current/pub/chap_568.htm) — Connecticut General Assembly; C.G.S. §§31-275, 31-284; current chapter page notes 2026 Supplement revised January 1, 2026. Accessed 2026-09-28. [^3]: [Connecticut Insurance Department](https://portal.ct.gov/cid) — Connecticut Insurance Department; Official Department homepage; mission and department resources. Accessed 2026-09-28. [^4]: [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. [^5]: [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. [^6]: [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. [^7]: [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. [^8]: [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. [^9]: [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. [^10]: [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. [^11]: [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. [^12]: [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. [^13]: [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. [^14]: [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. [^15]: [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/workers-compensation/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)