Connecticut workers' compensation rates improve in 2025.
Connecticut has the tenth highest average rates in the country for Workers' Compensation Insurance. The rates are about 27% higher than the national average. While Connecticut suffers from some of the highest workers' comp rates in the country, we have relationships with more than 35 insurance companies doing business in the state. This helps us find business owners the lowest rates for their industry and workers' comp class codes.
Connecticut is an NCCI state like most other states. This means that NCCI oversees employers' experience modifiers and collects all data for the state including claims, class codes, premiums, and payroll. They analyze this data and make annual recommendations to carriers and to the CT Department of Insurance. Every Insurance company is required to file their rates with the state for approval each year. NCCI has proposed a 9.8% reduction, on average, in voluntary loss costs for CT in 2024.
Workers' compensation rates may still vary for the same class codes in Connecticut because insurance companies can apply policy credits and debits up to 25% to adjust their filed rates. More discounts may also be added to a policy depending on the size of payroll and overall claims experience.
Don't pay too much for your workers' comp coverage in Connecticut. Our agents know how to get you the lowest rates for your business. Call us today to find out how knowledgeable agents, expert advice and more choices lead to the best workers' comp quote.
Ask about our Pay As You Go plans designed to improve cashflow and bullet-proof your audits.
Workers Comp Rates are an Art & Science
What influences my workers comp insurance cost?
Your State & Class Codes
Insurance companies file their "base manual rates" for approval with each state for all class codes. Rate recommendations are generally made to the state and carriers annually by the National Council on Compensation Insurance.
Your Claims or Losses
Employee claims are reported to NCCI and statistically compared with all other similar type businesses using the same class code in each state. An Experience Modification Rate may apply to your business after a few years of coverage.
Prior Experience & Coverage
Insurance company underwriters are permitted to make premium rate adjustments based on unique factors about your business, safety practices, and management experience in most states.
Policy Credits and Debits
Insurance companies may apply policy credits and debits to the base manual rates. Additional discounts can be applied to premium as the total payroll & premium increases.
Smart Agents with expertise in workers' compensation insurance utilize this information to negotiate your insurance rates with underwriters. A good narrative about your business helps insurance companies justify a better price.
CT Rates for Select Work Comp Class Codes
Rates for State Class Codes. Select Codes Listed:
CT Workers' compensation rates listed below for Connecticut represent the current insurance rates we've found for 2024. Insurance rates are set by the Connecticut Insurance Department and the CT Workers' Compensation Commission. Insurance companies may be able to offer discounts and credits on workers' comp coverage in CT. We also offer Pay As You Go workers' compensation in Connecticut. Not all employers will qualify for the lowest rates or maximum policy credits. Our agency helps Connecticut employers buy workers' compensation coverage at the lowest rates available.
| Class Code & Description | Low Rate | High Rate |
|---|---|---|
| 0035 Farm Planting & Harvesting-Cannabis Growers | $2.61 | $4.26 |
| 0042 Landscaping Service | $6.53 | $10.64 |
| 0106 Tree Trimming-Pruning-Removal | $8.66 | $14.12 |
| 0917 Residential Cleaning Service-Housekeepers | $5.02 | $8.19 |
| 2121 Breweries-Craft Beers | $1.38 | $2.25 |
| 2143 Winery-Wine Makers | $2.38 | $3.88 |
| 2585 Carpet Cleaning | $4.46 | $7.27 |
| 2589 dry Cleaning & Laundry Service | $1.90 | $3.10 |
| 3632 Machine Shop | $2.50 | $4.08 |
| 3724 Garage Door Installation | $4.49 | $7.33 |
| 3821 Salvage Yard-Automobile Recycling | $5.95 | $9.70 |
| 5022 Masonry Construction | $7.61 | $12.41 |
| 5102 Door & Window Installers | $6.46 | $10.53 |
| 5183 Plumbing Contractors | $3.77 | $6.16 |
| 5190 Electrical Work-Electricians | $2.46 | $4.01 |
| 5221 Concrete Work-Flat Work Cement | $5.96 | $9.71 |
| 5223 Pool Installation-Maintenance | $8.92 | $14.54 |
| 5348 Ceramic, Tile and Stone Work | $4.47 | $7.30 |
| 5437 Trim-Finish Carpenters-Cabinets-Countertops | $6.21 | $10.12 |
| 5445 Drywall Contractors | $5.46 | $8.90 |
| 5474 Painting Contractor | $6.07 | $9.89 |
| 5478 Floor Installers-Wood-Carpet-Laminate | $3.78 | $6.18 |
| 5535 Metal Building Construction | $6.30 | $10.27 |
| 5537 HVAC-Heating & Cooling Service/Repair | $3.89 | $6.35 |
| 5537* Solar Energy Contractors-Installation | $3.89 | $6.35 |
| 5551 Roofing Contractors | $16.69 | $27.71 |
| 5606 Asphalt & Paving Work | $1.31 | $3.14 |
| 5645 residential Construction-Home Builders-Remodelers-Siding | $11.78 | $19.22 |
| 6217 Excavation & Grading Work | $4.50 | $7.35 |
| 6400 Fence Installation & Repair | $7.64 | $12.45 |
| 7219 Trucking Short & Long Haul | $6.75 | $11.01 |
| 7225 Towing Company | $6.42 | $10.47 |
| 7228 Short Haul Trucking | $9.95 | $16.84 |
| 7230 Package & Parcel Delivery | $9.05 | $14.76 |
| 7370 Non-Emergency Medical Transport-Taxi-Limo-Airport Shuttle | $4.32 | $7.05 |
| 7605 Alarm Installation & Repair | $2.33 | $3.80 |
| 7720 Security Guards-Patrol Officers | $3.31 | $5.40 |
| 8006 Gas Stations-Convenience Stores | $2.63 | $4.29 |
| 8017 Retail Stores-Merchandise-Cannabis Dispensary | $1.61 | $2.63 |
| 8292 Warehousing & Storage Facility | $3.16 | $5.15 |
| 8380 Auto Service & Repair-Mechanic | $2.61 | $4.26 |
| 8742 Sales Professional | $0.25 | $0.41 |
| 8810 Clerical-Office Employee | $0.10 | $0.16 |
| 8829 Nursing Homes and Assisted Living Facilities | $3.16 | $5.24 |
| 8831 Animal Shelters & Kennels-Veterinarian | $1.26 | $2.06 |
| 8832 Medical Office-Doctor-Dentist-Chiropractor, Optometrist | $0.34 | $0.55 |
| 8835 Home Healthcare Workers | $2.24 | $3.65 |
| 8842 Group Homes-Temporary Shelters-Disability Facility | $3.17 | $5.17 |
| 8864 Social Service Organizations--Counseling-Family Services | $2.16 | $3.52 |
| 8868 Religious Organizations-Church- Temple | $0.37 | $0.60 |
| 8869 child Care Center-Daycare Providers | $0.94 | $1.53 |
| 9012 Property Management-Leasing Agent | $0.78 | $1.27 |
| 9014 Janitorial Service Contractors-Pest Control-Exterminating-Chimney | $2.77 | $4.52 |
| 9015 Building Maintenance-Campgrounds-Camps-RV Parks | $3.01 | $4.91 |
| 9052 Hotels & Motles | $2.21 | $3.60 |
| 9060 Golf Courses & Country Clubs | $1.22 | $1.99 |
| 9063 Fitness Center-Health Clubs-YMCA Programs | $0.71 | $1.16 |
| 9082 Restaurants-Catering | $1.03 | $1.68 |
| 9083 Mobile Food Truck-Food Cart | $1.13 | $1.84 |
| 9083* Fast Food Restaurant-Concessions-Doughnut Shop | $1.13 | $1.84 |
| 9084 Bars-Taverns-Nightclubs | $1.44 | $2.35 |
| 9102 Lawn Service & Maintenance | $2.55 | $4.16 |
| 9180 Shooting Range-Amusement Park | $5.51 | $8.99 |
| 9402 Septic Tank Cleaning-Portable Toilets | $4.61 | $7.52 |
| 9403 Refuse Collection-Garbage-Trash Services | $8.44 | $13.77 |
| 9516 electrical Equipment Repair & Service | $3.46 | $5.46 |
There is not a State Fund in Connecticut. Instead, NCCI manages the assigned risk plan with select insurance carries. Connecticut rates vary by workers' compensation class codes and insurance company underwriting guidelines. Employers' who have an Experience Modification Factor (EMR Rating) assigned to their business may have additional credits or debits applied to their insurance rates based on prior premiums and workers' compensation losses. Get better workers' comp rates for your businesses.
Get a Quote or Learn More
- What is Workers Compensation?
- The Basics of Workers Comp
- Workers Compensation Q and A?
- Insurance Laws for Work Comp
- Managing Policy Claims
- Getting Work Comp Benefits
- NCCI Classification Codes
- Experience Modifiers and Ratings
- State Fund Insurance
- Workers Compensation Forms
- Handling Workers Comp Audits
- Understanding an Employer Liability Policy
- Excluding Owners and Officers
- Other States Coverage
State Resources for Connecticut
State Resources for Connecticut
Connecticut Department Of Insurance
P.O. Box 816
Hartford, CT 06142-0816
800-203-3447
http://www.ct.gov/cid/site/default.asp
Connecticut Workers' Compensation Commission
21 Oak Street, Fourth Floor
Hartford, Connecticut 06106
860-493-1500
http://wcc.state.ct.us/
Connecticut is under the Jurisdiction of the National Council for Compensation Insurance (NCCI) and contracts with Travelers as the state fund carrier.
Our agency helps employers find guaranteed state fund workers' comp in CT. If we can't find more affordable coverage with a private insurance company, we can help you buy a state fund policy.
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