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CT — Licensed & ActiveUpdated Mar 2026

Commercial Insurance in Connecticut.

Protecting businesses in the Constitution State, from Hartford to New Haven.

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From the financial hub of Stamford to the advanced manufacturing centers in Hartford and Groton, Connecticut businesses face unique risks. Whether you're in the insurance industry yourself or part of the state's burgeoning tech and life sciences sectors, RISKX provides tailored commercial insurance solutions. We are a nationwide agency ready to protect your Connecticut-based operations.

Key Industries in Connecticut

Finance & InsuranceAdvanced ManufacturingHealthcare & Life SciencesReal EstateTechnologyConstruction & Contractors

Workers' Compensation in Connecticut: Required

Connecticut requires workers' compensation for all employers with one or more employees, including part-time and seasonal workers. It is a competitive market, allowing for policies to be purchased from private insurance carriers.

Connecticut Regulatory Notes

Workers' comp is mandatory for all employers with 1+ employees.

Connecticut is an at-fault state for auto accidents, meaning the at-fault party's insurance pays for damages.

Uninsured/underinsured motorist coverage is required for all commercial auto policies.

Coastal properties may require separate windstorm or flood insurance policies, as these perils are often excluded from standard property coverage.

Workers' Comp Rate Details — Connecticut

Index Rate
$1.48
per $100 payroll
National Rank
#6
of 51 jurisdictions
vs. Median
36%
above national median
Required At
1 employee
High Cost State
  • •Required for all employers with 1 or more employees
  • •6th most expensive state for workers' comp
  • •No exemptions for small employers

Penalty for non-compliance: Fines up to $50,000; may be ordered to cease operations

Rate data: Oregon DCBS 2024 Premium Rate Ranking Study. Index rates represent the median rate per $100 of payroll across all classification codes.

Auto Insurance Minimums — Connecticut

Min. BI Liability
25/50
per person/accident ($K)
Min. Property Damage
$25,000
PIP Required
No
No-Fault State
No
  • •Uninsured/underinsured motorist coverage required

Regulatory Overview — Connecticut

Key Facts

  • •6th most expensive state for workers' comp — 36% above median
  • •UM/UIM auto coverage is mandatory
  • •Strong insurance industry presence (Hartford is the 'Insurance Capital')
Compare all 50 states

Connecticut Insurance FAQ

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