Workers' Compensation by state

Workers' compensation requirements in Connecticut

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Does Connecticut require workers' compensation insurance?

Yes. Connecticut requires workers' compensation coverage once a business has one or more employees, under the Connecticut Workers' Compensation Act. Connecticut requires employers to provide workers' compensation coverage for their employees, including part-time and seasonal workers. Coverage is obtained through private insurers or an approved self-insurance arrangement.

Reviewed by Cornerstone Staff28 years of financial services state licensing experienceLast verified July 29, 2026

How the mandate works

Connecticut requires employers to provide workers' compensation coverage for their employees, including part-time and seasonal workers. Coverage is obtained through private insurers or an approved self-insurance arrangement.

Coverage trigger: One or more employees
If you go without coverage: Failing to carry required coverage can bring stop-work orders, civil penalties, and personal liability for an injured worker's benefits.

Notable exemptions

Exemptions are narrow and fact-specific; confirm your situation with the regulator or an agent before relying on one.

Sole proprietors and business partners, who may elect to be covered
Certain corporate officers who elect to exclude themselves
Some casual domestic workers below statutory hour thresholds

Statutes and sources

Connecticut Workers' Compensation Act

Conn. Gen. Stat. sect. 31-275 et seq.

Regulator: Connecticut Workers' Compensation Commission . Last verified 2026-07-29 from the official source .

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