Workers Compensation Insurance in Guilford, CT
Connecticut law requires every business with one or more employees — full-time, part-time, or seasonal — to carry workers’ compensation insurance. There is no minimum-payroll or minimum-hours exemption for standard employees.
Page Insurance, an independent agency based in Guilford, CT, helps shoreline businesses — from contractors and landscapers to restaurants and marine trades — get compliant coverage at a competitive rate by shopping your policy across multiple carriers instead of locking you into one insurer’s pricing.
Why Guilford Businesses Work With Us
Page Insurance has been placing commercial coverage for Guilford and shoreline businesses since 1943. We’re not a call center — we’re the agency local contractors and businesses handle their workers’ comp through, and we’ve helped local businesses get covered.
- Independent agency quoting multiple carriers
- Local Guilford office, not a remote call center
- Experience with shoreline contractors and marine trades
- Workers' comp paired with BOPs, builders risk, and commercial auto
Do You Need Workers' Comp Insurance in Connecticut?
Who is required to carry workers' comp in CT?
Any business with one or more employees — including part-time, seasonal, and temporary workers — must carry workers' compensation insurance under the Connecticut Workers' Compensation Act.
Who is exempt?
Sole proprietors, individual LLC members, corporate officers, and partners in a partnership are not required to carry coverage on themselves, though they can opt in. Household employees working fewer than 26 hours per week are also excluded.
What happens if I don't have coverage and I'm required to?
The Workers' Compensation Commission can issue a stop-work order, halting your business operations until coverage is in place, and the state can levy fines per employee per day of non-compliance.
How fast do I need to report an injury?
Employees should report an injury to their employer immediately; employers generally must notify their insurance carrier within 24 hours for serious injuries, and the carrier must begin payment or deny the claim within 28 days.
Can I get workers' comp for just one employee?
Yes, coverage is required starting at one employee, and most carriers write policies for very small payrolls.
- Set by your industry/job risk (office staff cost far less to insure than roofers or landscapers)
- your business's claims history relative to similar businesses
- your actual or estimated annual payroll for covered employees
What Does Workers' Comp Cost in Connecticut?
Connecticut is one of the more expensive states in the country for this coverage, so shopping matters more here than in most states. Your premium is calculated using:
Classification Rate × EMR × (Annual Payroll ÷ 100)
Because Connecticut’s rates run meaningfully above the national average, the difference between carriers for the same coverage can be significant — this is where working with an independent agency that quotes multiple carriers, rather than a single direct insurer, typically saves shoreline businesses the most.
Coverage for Guilford & Shoreline Industries
Workers’ comp needs look different depending on what your business does. We regularly place coverage for:
Contractors & Tradespeople
Roofing, landscaping, electrical, and general contracting carry higher-risk class codes, common along the shoreline building boom.
Restaurants & Hospitality
Seasonal staffing swings are common in shoreline towns, and coverage needs adjust with headcount.
Marine & Boatyards
Unique class codes specific to marine trades require a broker who understands the Connecticut shoreline economy.
Retail & Professional Offices
Lower-risk class codes, but still legally required once you hire your first employee.
How a Workers' Comp Claim Works With Page Insurance
Report the injury
Your employee reports to you immediately; you notify us and your carrier within 24 hours for serious injuries.
We coordinate with the carrier
We advocate on your behalf through the claims process, not just hand you a phone number.
Resolution
The Connecticut Workers' Compensation Commission oversees dispute resolution if needed; we help you understand your obligations throughout.
Workers' Comp Is Often Just One Piece of Small Business Coverage
For official state guidance and to verify existing coverage, see the Connecticut Workers’ Compensation Commission.
Workers’ comp is often just one piece of a small business’s coverage — see our Business Owners Policy page for property and liability coverage, and our Builders Risk Insurance page if you’re a contractor with an active job site.
Business insurance
Business Owners Policy
Business insurance
Builders Risk Insurance
Is workers' comp insurance mandatory in Connecticut?
Yes, for any business with one or more employees, regardless of whether they are full-time, part-time, or seasonal.
Do LLC owners need workers' comp in CT?
Individual LLC members are not required to carry coverage on themselves but may opt in; any employees they hire must still be covered.
How much does workers' comp insurance cost for a small business in CT?
Cost depends on your industry classification, payroll, and claims history; Connecticut’s rates run above the national average, making it worthwhile to compare quotes across carriers.
What industries pay the most for workers' comp in Connecticut?
Higher-risk trades — roofing, general contracting, landscaping, and marine trades — typically carry higher classification rates than office-based or retail businesses.
Can Page Insurance help if I already have a policy but want to compare rates?
Yes — we can review your current policy and shop it across our carrier network at renewal.
Get a Workers' Compensation Quote
Licensed Connecticut independent agents · Guilford, CT · (203) 453-5258